<SEC-DOCUMENT>0000842180-19-000009.txt : 20190625
<SEC-HEADER>0000842180-19-000009.hdr.sgml : 20190625
<ACCEPTANCE-DATETIME>20190625141331
ACCESSION NUMBER:		0000842180-19-000009
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		338
CONFORMED PERIOD OF REPORT:	20181231
FILED AS OF DATE:		20190625
DATE AS OF CHANGE:		20190625

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
		CENTRAL INDEX KEY:			0000842180
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			U3
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10110
		FILM NUMBER:		19918116

	BUSINESS ADDRESS:	
		STREET 1:		CIUDAD BBVA C/. SAUCEDA, 28.
		STREET 2:		EDIFICIO AFRICA
		CITY:			MADRID
		STATE:			U3
		ZIP:			28050
		BUSINESS PHONE:		011 34 91 537 8172

	MAIL ADDRESS:	
		STREET 1:		CIUDAD BBVA C/. SAUCEDA, 28.
		STREET 2:		EDIFICIO AFRICA
		CITY:			MADRID
		STATE:			U3
		ZIP:			28050

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANCO BILBAO VIZCAYA ARGENTARIA S A
		DATE OF NAME CHANGE:	20000505

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANCO BILBAO VIZCAYA S A
		DATE OF NAME CHANGE:	19991103
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>d20f2018recast.htm
<DESCRIPTION>DOCUMENT 6K
<TEXT>

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<p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;mso-bidi-font-size:12.0pt;mso-font-kerning:16.0pt;mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>


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<div style="border:none;border-top:solid black 1.0pt;padding:0cm 31.0pt 31.0pt 31.0pt;"><p style="border:none;margin-bottom:0cm;margin-left:45.0pt;margin-right:0cm;margin-top:1.0pt;padding:0cm;text-align:center;text-indent:-45.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:4.0pt;line-height:1.0pt;">&#160;&nbsp;</font></font></p>

</div>


<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:2.25pt;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:18.0pt;">UNITED STATES SECURITIES AND
EXCHANGE COMMISSION </font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">WASHINGTON, D.C. 20549 </font></b></font></p>

<div style="border:none;border-bottom:solid black 1.0pt;margin-left:216.0pt;margin-right:216.0pt;padding:31.0pt 31.0pt 0cm 31.0pt;">

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;padding:0cm;text-align:center;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:4.0pt;">&nbsp;</font></font></p>

</div>


<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:18.0pt;">FORM 6-K </font></b></font></p>

<div style="border:none;border-bottom:solid black 1.0pt;margin-left:216.0pt;margin-right:216.0pt;padding:31.0pt 31.0pt 0cm 31.0pt;">

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;padding:0cm;text-align:center;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:4.0pt;">&nbsp;</font></font></p>

</div>


<p align=center style="border:none;margin-bottom:.0001pt;margin-left:30.6pt;margin-right:0cm;margin-top:9.0pt;text-align:center;text-indent:-30.6pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">REPORT OF FOREIGN ISSUER
PURSUANT TO RULE 13a-16 OR 15d-16</font></b></font></p>

<p align=center style="border:none;margin-bottom:.0001pt;margin-left:30.6pt;margin-right:0cm;margin-top:9.0pt;text-align:center;text-indent:-30.6pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">UNDER THE SECURITIES
EXCHANGE ACT OF 1934</font></b></font></p>

<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">For the fiscal year ended
December 31, 2018</font></font></p>

<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Commission file number:
1-10110 </font></font></p>

<div style="border:none;border-bottom:solid black 1.0pt;margin-left:216.0pt;margin-right:216.0pt;padding:31.0pt 31.0pt 0cm 31.0pt;">

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;padding:0cm;text-align:center;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:4.0pt;">&nbsp;</font></font></p>

</div>


<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:22.0pt;">BANCO BILBAO VIZCAYA
ARGENTARIA, S.A. </font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.5pt;">(Exact
name of Registrant as specified in its charter) </font></b></font></p>

<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:22.0pt;">BANK BILBAO VIZCAYA
ARGENTARIA, S.A. </font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.5pt;">(Translation
of Registrant&#8217;s name into English) </font></b></font></p>

<div style="border:none;border-bottom:solid black 1.0pt;margin-left:216.0pt;margin-right:216.0pt;padding:31.0pt 31.0pt 0cm 31.0pt;">

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;padding:0cm;text-align:center;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:4.0pt;">&nbsp;</font></font></p>

</div>


<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Calle
Azul, 4</font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">28050
Madrid</font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Spain
</font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.5pt;">(Address
of principal executive offices) </font></b></font></p>

<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:10.0pt;">Ricardo G&#243;mez Barredo</font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:10.0pt;">Calle
Azul, 4</font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">28050
Madrid</font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Spain
</font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Telephone
number +34 91 537 7000</font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fax
number +34 91 537 6766</font></b></font></p>

<div style="border:none;border-bottom:solid windowtext 1.0pt;padding:31.0pt 31.0pt 1.0pt 31.0pt;">

<p style="border:none;margin:0cm;margin-bottom:.0001pt;padding:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.5pt;">(Name,
Telephone, E-mail and /or Facsimile Number and Address of Company Contact
Person)</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;padding:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></font></p>

</div>


<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;margin-top:12.0pt;text-align:center;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Indicate by
check mark whether the registrant files or will file annual reports under cover
of Form 20-F or Form 40-F:</font></font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border:none;border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=52% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0pt;margin-right:0cm;margin-top:9.0pt;text-align:right;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Form 20-F [X]</font></font></p>
  </td>
 <td valign=top width=48% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:9.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Form 40-F [&nbsp;&nbsp;]</font></font></p>
  </td>
 </tr>
</table>


</div>


<p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Indicate by check mark if the
registrant is submitting the Form 6-K in paper as permitted by Regulation S-T
Rule 101(b)(1):</font></font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border:none;border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=52% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0pt;margin-right:0cm;margin-top:9.0pt;text-align:right;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Yes [&#160; ]</font></font></p>
  </td>
 <td valign=top width=48% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:9.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">No [X]</font></font></p>
  </td>
 </tr>
</table>


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<p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Indicate by check mark if the
registrant is submitting the Form 6-K in paper as permitted by Regulation S-T
Rule 101(b)(7):</font></font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border:none;border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=52% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0pt;margin-right:0cm;margin-top:9.0pt;text-align:right;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Yes [&#160; ]</font></font></p>
  </td>
 <td valign=top width=48% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:9.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">No [X]</font></font></p>
  </td>
 </tr>
</table>


</div>


<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#160;&nbsp;</font></p>



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<p style="margin:0cm;margin-bottom:.0001pt;tab-stops:center 212.6pt right 425.2pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>


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<p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font face=Calibri,sans-serif style="border:none;mso-fareast-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p align=center style="border:none;margin:0cm;margin-bottom:3.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=ES style="font-size:10.0pt;">BANCO BILBAO VIZCAYA ARGENTARIA, S.A.</font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;margin-top:9.0pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">TABLE
OF CONTENTS </font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;margin-top:9.0pt;page-break-after:avoid;text-align:center;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=14% style="padding:0cm 0cm 0cm 7.2pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Exhibit 99.1</font></font></p>
  </td>
 <td valign=top width=86% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><a href="d20frecastex991.htm"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Certain information required by Form 20-F, to give
  retrospective effect to certain changes in our operating segments</font></u></a></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 0cm 0cm 7.2pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Exhibit 99.2</font></font></p>
  </td>
 <td valign=top width=86% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><a href="d20f2018recastex992.htm"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Recast Consolidated Financial Statements for
  the three years ended December 31, 2018, 2017 and 2016, to give retrospective
  effect to certain changes in our operating segments</font></u></a></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 0cm 0cm 7.2pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Exhibit 23.1</font></font></p>
  </td>
 <td valign=top width=86% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><a href="d20frecastex231.htm"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Consent of Independent Registered Public
  Accounting Firm</font></u></a></font></p>
  </td>
 </tr>
<tr>
  <td width=14% style="padding:0cm 0cm 0cm 7.2pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Exhibit 23.2</font></font></p>
  </td>
 <td width=86% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><a href="d20frecastex232.htm"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Consent of Independent Registered Public
  Accounting Firm</font></u></a></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 0cm 0cm 7.2pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Exhibit 101</font></font></p>
  </td>
 <td valign=top width=86% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Interactive Data File</font></font></p>
  </td>
 </tr>
</table>


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<p style="border:none;margin:0cm;margin-bottom:12.0pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<font face="Times New Roman,serif" style="border:none;">
&nbsp;</font>

<p style="border:none;margin:0cm;margin-bottom:12.0pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>


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<p align=center style="border:none;margin:0cm;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">1</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_3"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font face=Calibri,sans-serif style="border:none;mso-fareast-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Pursuant to the requirements of the
Securities Exchange Act of 1934, the Registrant has duly caused this report to
be signed on its behalf by the undersigned, thereunto duly authorized.</font></font></p>

<div align=right>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:1.0pt;">
  <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=28% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=36% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">BANCO BILBAO VIZCAYA
  ARGENTARIA, S.A.</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=28% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:11.0pt;line-height:115%;">By:</font></font></p>
  </td>
 <td width=28% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:11.0pt;line-height:115%;">/s/ Jaime S&#225;enz de
  Tejada Pulido</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Name:</font></font></p>
  </td>
 <td width=28% style="border:none;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:11.0pt;line-height:115%;">Jaime S&#225;enz de Tejada
  Pulido</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-left:12.0pt;margin-right:0cm;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:12.0pt;margin-right:0cm;margin-top:12.0pt;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Title:</font></font></p>
  </td>
 <td width=28% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-top:12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Chief
  Financial Officer</font></font></p>
  </td>
 </tr>
</table>


</div>


<p style="border:none;margin:0cm;margin-bottom:12.0pt;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">Date: June 25, 2019</font></font></p>




<DIV bclFooter>


<p align=center style="border:none;margin:0cm;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">2</font></font></p>


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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d20frecastex991.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>

<html>

<head>
<meta content="text/html; charset=utf-8" />




&nbsp;</head>

<body link=blue vlink=purple><a name="page_1"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=center style="border:none;margin-bottom:3.0pt;margin-left:0pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CERTAIN INFORMATION REQUIRED BY FORM 20-F, TO GIVE RETROSPECTIVE
EFFECT TO CERTAIN CHANGES IN THE OPERATING SEGMENTS</font></b></font></p>

<p align=center style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=ES style="font-size:10.0pt;line-height:normal;">BANCO BILBAO VIZCAYA
ARGENTARIA, S.A.</font></b></font></p>

<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">TABLE
OF CONTENTS </font></b></font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:1.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
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<tr>
  <td valign=bottom width=13% style="padding:0cm 0cm 0cm 7.2pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:4.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 7.2pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:4.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.5pt;line-height:normal;">PAGE</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;"> &nbsp;</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:1.0pt;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:4.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
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<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">PART&nbsp;I</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 7.2pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:4.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:4.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;1.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_3"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">3</font></font></p>
  </td>
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<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;2.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_3"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">OFFER STATISTICS AND EXPECTED TIMETABLE</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">3</font></font></p>
  </td>
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<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;3.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_3"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">KEY INFORMATION</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;4.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_3"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">INFORMATION ON THE COMPANY</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">A.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_3"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">History and Development of the Company</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">3</font></font></p>
  </td>
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<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">B.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_3"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Business Overview</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">C.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_14"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Organizational Structure</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">D.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_14"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Property, Plants and Equipment</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">E.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_15"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Selected Statistical Information</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_15"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Competition</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">G.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_15"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Cybersecurity and Fraud Management</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;4A.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_16"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">UNRESOLVED STAFF COMMENTS</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">16</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;5.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_16"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">OPERATING AND FINANCIAL REVIEW AND PROSPECTS</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">16</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">A.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_16"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating Results</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">16</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">B.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Liquidity and Capital Resources</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">C.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Research and Development, Patents and Licenses, etc.</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
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<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">D.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Trend Information</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">E.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Off-Balance Sheet Arrangements</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tabular Disclosure of Contractual Obligations</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;6.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;7.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;8.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">FINANCIAL INFORMATION</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;9.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">THE OFFER AND LISTING</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;10.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ADDITIONAL INFORMATION</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;11.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;12.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">PART II</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;13.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_53"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;14.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS
  AND USE OF PROCEEDS</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;15.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CONTROLS AND PROCEDURES</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;16.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">[RESERVED]</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;16A.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">AUDIT COMMITTEE FINANCIAL EXPERT</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;16B.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CODE OF ETHICS</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;16C.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">PRINCIPAL ACCOUNTANT FEES AND SERVICES</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;16D.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;16E.</font></font></p>
  </td>
 <td valign=bottom width=77% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">PURCHASES OF EQUITY SECURITIES BY THE ISSUER AND
  AFFILIATED PURCHASERS</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=13% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 16F.</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CHANGE IN REGISTRANT&#8217;S CERTIFYING ACCOUNTANT</font></u></a></font></p>
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  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 16G.</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CORPORATE GOVERNANCE</font></u></a></font></p>
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  <p align=right style="border:none;margin-bottom:.75pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 16H.</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">MINE SAFETY DISCLOSURE</font></u></a></font></p>
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  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">PART III</font></font></p>
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  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;text-decoration:none;">&nbsp;</font></font></p>
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 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 17.</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">FINANCIAL STATEMENTS</font></u></a></font></p>
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  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 18.</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">FINANCIAL STATEMENTS</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="padding:0cm 0cm 0cm 7.2pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM
  19.</font></font></p>
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  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><a href="#page_54"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">EXHIBITS</font></u></a></font></p>
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><a name="page_6"></a><a name="page_6_bclEnd"></a><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">EXPLANATORY NOTE</font></b></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:24.4pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">We are filing this report on
Form 6-K to give retrospective effect to certain changes in our operating
segments that became effective during the first quarter of 2019 and present the
resulting recast financial information by operating segment as of and for the
years ended December 31, 2018, 2017 and 2016. In particular, during the first
quarter of 2019, we changed the reporting structure of the BBVA Group's
business areas compared with that presented as of December 31, 2018, as a
result of the integration of the Non-Core Real Estate business area into
Banking Activity in Spain, which has been renamed &#8220;Spain&#8221;. Additionally,
balance sheet intra-group adjustments between the Corporate Center and the operating
segments have been reallocated to the corresponding operating segments as of
ended December 31, 2018, 2017 and 2016. In addition, certain expenses related
to global projects and activities between the Corporate Center and the business
areas have been reallocated as of and for the years ended December 31, 2018,
2017 and 2016. In order to make the information comparable, as required by IFRS
8 &#8220;Information by business segments&#8221;, we have recast our segment financial
information as of and for the years ended December 31, 2018, 2017 and 2016.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:24.5pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">In this report we have
included only such disclosure as was impacted by the change in our operating
segments described above. This report does not, and does not purport to, recast
or update the information in any other part of our annual report on Form 20-F
for the year ended December&nbsp;31, 2018 (the &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">2018 Form 20-F</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;) or
reflect any events that have occurred after the 2018 Form 20-F was filed on
March&nbsp;28, 2019. The filing of this report should not be understood to mean
that any other statements contained in the 2018 Form&nbsp;20-F are true and
complete as of any date subsequent to March&nbsp;28, 2019. This 6-K should be
read in conjunction with the 2018 Form&nbsp;20-F and our other filings with the
SEC. </font></font></p>

<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:24.0pt;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:200%;">CERTAIN TERMS AND CONVENTIONS</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:200%;">The
terms below are used as follows throughout this report:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">BBVA</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;, the &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Bank</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;, the &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Company</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;, the &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Group</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;,
the &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">BBVA Group</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221; or first person personal pronouns, such as &#8220;we&#8221;, &#8220;us&#8221;,
or &#8220;our&#8221;, mean Banco Bilbao Vizcaya Argentaria, S.A. and its consolidated
subsidiaries unless otherwise indicated or the context otherwise requires.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">BBVA Bancomer</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221; means Grupo Financiero BBVA Bancomer, S.A.
de C.V. and its consolidated subsidiaries, unless otherwise indicated or the
context otherwise requires.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">BBVA Compass</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221; means BBVA Compass Bancshares, Inc. and its
consolidated subsidiaries, unless otherwise indicated or the context otherwise
requires.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Consolidated Financial Statements</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221; means our audited
consolidated financial statements as of and for the years ended December 31,
2018, 2017 and 2016 prepared in compliance with International Financial
Reporting Standards as issued by the International Accounting Standards Board
(&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">IFRS-IASB</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;) and in accordance with the International Financial
Reporting Standards adopted by the European Union (&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">EU-IFRS</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;) required
to be applied under the Bank of Spain&#8217;s Circular 4/2004 and Circular 4/2017
(each as defined in the 2018 Form 20-F) included in the 2018 Form 20-F. The
recast Consolidated Financial Statements are included as Exhibit 99.2 to this
report on Form 6-K.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Garanti</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221; means T&#252;rkiye Garanti Bankas&#305; A.&#350;., and
its consolidated subsidiaries, unless otherwise indicated or the context
otherwise requires.</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Latin America</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221; refers to Mexico and the countries in which
we operate in South America and Central America.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">In this report, &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">$</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;, &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">U.S. dollars</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;, and &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">dollars</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;
refer to United States Dollars and &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8364;</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221; and &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">euro</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221; refer to Euro.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Capitalized terms used and not defined herein have the meanings
assigned to them in the 2018 Form 20-F.</font></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CAUTIONARY
STATEMENT REGARDING FORWARD-LOOKING STATEMENTS </font></b></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:24.4pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note.</font></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">PRESENTATION
OF FINANCIAL INFORMATION</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Changes in Operating Segments</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As described in the introductory note, during
the first quarter of 2019, we changed the reporting structure of the BBVA
Group&#8217;s business areas compared with that presented as of December 31, 2018, as
a result of the integration of the Non-Core Real Estate business area into
Banking Activity in Spain, which has been renamed &#8220;Spain&#8221;. Additionally,
balance sheet intra-group adjustments between the Corporate Center and the
operating segments have been reallocated to the corresponding operating
segments as of December 31, 2018, 2017 and 2016. In addition, certain expenses
related to global projects and activities between the Corporate Center and the
business areas have been reallocated as of and for the years ended December 31,
2018, 2017 and 2016</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">. </font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In order to make the information comparable, as
required by IFRS 8 &#8220;Information by business segments&#8221;, we have recast our
segment financial information as of and for the years ended December 31, 2018,
2017 and 2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Moreover, as described in the 2018 Form 20-F,
since 2018 the BBVA Group&#8217;s Mexico segment includes BBVA Bancomer&#8217;s branch in
Houston (which was part of the United States segment in previous years). The
financial information for 2017 and 2016 relating to such segments included in
the Consolidated Financial Statements and in this report on Form 6-K has been
prepared on the same basis to improve its comparability with financial
information for 2018.</font></font></p>

<p align=center style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">PART I</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=10% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;1.</font></b></font></p>
  </td>
 <td valign=top width=90% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">IDENTITY
  OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS </font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:18.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There
are no changes derived from the recast described in the introductory
explanatory note. </font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=10% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;2.</font></b></font></p>
  </td>
 <td valign=top width=90% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">OFFER
  STATISTICS AND EXPECTED TIMETABLE </font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:18.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There
are no changes derived from the recast described in the introductory
explanatory note. </font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=10% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM&nbsp;3.</font></b></font></p>
  </td>
 <td valign=top width=90% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">KEY
  INFORMATION </font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:18.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There
are no changes derived from the recast described in the introductory
explanatory note. </font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=10% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 4.</font></b></font></p>
  </td>
 <td valign=top width=90% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">INFORMATION
  ON THE COMPANY</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">A.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#160;&#160;&#160; </font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">History and Development of the
Company</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the introductory
explanatory note.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">B.&#160;&#160;&#160; Business
Overview</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Except as described below, there are no changes derived from the
recast described in the introductory explanatory note.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">3</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_4"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">BBVA is a highly
diversified international financial group, with strengths in the traditional
banking businesses of retail banking, asset management, private banking and
wholesale banking. </font><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">We also have investments in some
of Spain&#8217;s leading companies.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The Group is committed to offering a compelling
digital proposition and is focused on increasingly offering products online and
through mobile channels, improving the functionality of its digital offerings
and refining the customer experience. In 2018, the number of digital and mobile
customers and the volume of digital sales continued to increase.</font></font><a name="page_30"></a><a name="page_30_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating Segments</font></b></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Set
forth below are the Group&#8217;s current six operating segments:</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:35.45pt;margin-right:0cm;margin-top:6.0pt;text-indent:-21.25pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Spain;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:35.45pt;margin-right:0cm;margin-top:6.0pt;text-indent:-21.25pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The United States;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:35.45pt;margin-right:0cm;margin-top:6.0pt;text-indent:-21.25pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Mexico;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:35.45pt;margin-right:0cm;margin-top:6.0pt;text-indent:-21.25pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Turkey;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:35.45pt;margin-right:0cm;margin-top:6.0pt;text-indent:-21.25pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">South America; and</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:6.0pt;text-indent:-21.25pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Rest of Eurasia.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In addition to the operating segments referred
to above, the Group has a Corporate Center which includes those items that have
not been allocated to an operating segment. It includes the Group&#8217;s general
management functions, including </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">costs</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> from central units
that have a strictly corporate function; management of structural exchange rate
positions carried out by the Financial Planning unit; specific issues of
capital instruments to ensure adequate management of the Group&#8217;s overall
capital position; certain proprietary portfolios; certain tax assets and
liabilities; certain provisions related to commitments with employees; and goodwill
and other intangibles. As of December 31, 2018, BBVA&#8217;s 20% stake in Divarian
was included in this unit.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The breakdown of the Group&#8217;s total assets by operating segments as
of December 31, 2018, 2017 and 2016 is as follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td nowrap valign=bottom width=39% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=61% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">As of December 31, </font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=39% style="border:none;border-right:solid white 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=21% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=39% style="border:none;border-bottom:solid white 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=61% style="border:none;border-bottom:solid white 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=39% style="border:none;border-bottom:solid white 1.0pt;border-left:solid white 1.0pt;border-right:solid white 1.0pt;border-top:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td width=21% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.6pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">354,901</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.6pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">350,520</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.6pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">368,398</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=39% style="border:none;border-bottom:solid white 1.0pt;border-left:solid white 1.0pt;border-right:solid white 1.0pt;border-top:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">The United States</font></font></p>
  </td>
 <td width=21% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:18.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">82,057</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:18.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">75,775</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:18.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">84,726</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=39% style="border:none;border-bottom:solid white 1.0pt;border-left:solid white 1.0pt;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td width=21% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">97,432</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">90,214</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">94,229</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=39% style="border:none;border-bottom:solid white 1.0pt;border-left:solid white 1.0pt;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td width=21% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">66,250</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">78,789</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">84,990</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=39% style="border-bottom:solid white 1.0pt;border-left:solid white 1.0pt;border-right:none;border-top:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td width=21% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">54,373</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">75,320</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">77,989</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=39% style="border:none;border-bottom:solid white 1.0pt;border-left:solid white 1.0pt;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Rest of Eurasia</font></font></p>
  </td>
 <td width=21% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">18,834</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">17,265</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">19,586</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=39% style="border:none;border-bottom:solid white 1.0pt;border-left:solid white 1.0pt;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Subtotal Assets by Operating
  Segment</font></b></font></p>
  </td>
 <td width=21% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">673,848</font></b></font></p>
  </td>
 <td width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">687,884</font></b></font></p>
  </td>
 <td width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">729,918</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=39% style="border:none;border-bottom:solid white 1.0pt;border-left:solid white 1.0pt;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Corporate Center and other adjustments</font></font></p>
  </td>
 <td width=21% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,841</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,175</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,938</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Total Assets BBVA Group</font></b></font></p>
  </td>
 <td width=21% style="border-bottom:double black 2.25pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">676,689</font></b></font></p>
  </td>
 <td width=20% style="border-bottom:double black 2.25pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">690,059</font></b></font></p>
  </td>
 <td width=20% style="border-bottom:double black 2.25pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">731,856</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=39% style="border:none;border-bottom:solid white 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=21% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=20% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>




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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The following table sets forth information relating to the profit
(loss) attributable to parent company by each of BBVA&#8217;s operating segments and
Corporate Center for the years ended December 31, 2018, 2017 and 2016:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:36.0pt;">
  <td nowrap valign=bottom width=45% style="height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 valign=bottom width=31% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Profit/(Loss) Attributable to Parent Company</font></b></font></p>
  </td>
 <td colspan=3 valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">% of Profit/(Loss) Attributable to Parent Company</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=45% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=6 nowrap valign=bottom width=55% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31, </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=45% style="border:none;border-right:solid white 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 <td width=5% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=45% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 valign=bottom width=31% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td colspan=3 valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Percentage)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=top width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,400</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">877</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">305</font></font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=top width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">The United
  States</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">736</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">486</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">442</font></font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=top width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,367</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,170</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,980</font></font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">47</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=top width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Turkey </font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">567</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">823</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">596</font></font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=top width=45% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">South
  America</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">578</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">847</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">757</font></font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap valign=bottom width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">18</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=top width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Rest of
  Eurasia</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">128</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">154</font></font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=top width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Subtotal operating segments</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,743</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,331</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,235</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=5% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">100</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">100</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">100</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=top width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Corporate
  Center</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(419)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,812)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(760)</font></font></p>
  </td>
 <td nowrap valign=bottom width=5% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,324</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,519</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,475</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=5% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=8% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=5% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">5</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_6"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The following table sets forth information relating to the income
of each operating segment, the Corporate Center and BBVA Group for the years
ended December 31, 2018, 2017 and 2016:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=8 nowrap width=87% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Operating Segments</font></b></font></p>
  </td>
 <td nowrap width=1% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.75pt;">
  <td nowrap valign=bottom width=12% style="height:33.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;Spain&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:normal;">The United States</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:normal;">South America</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:normal;">Rest of Eurasia</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:normal;">Corporate Center</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:6.0pt;line-height:normal;">BBVA Group</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=8 nowrap valign=bottom width=87% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest
  income</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,698</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,276</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">5,568</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,135</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,009</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">175</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(269)</font></font></p>
  </td>
 <td valign=bottom width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">17,591</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross
  income</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">5,968</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,989</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">7,193</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,901</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,701</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">414</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(420)</font></font></p>
  </td>
 <td valign=bottom width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">23,747</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:25.5pt;">
  <td valign=bottom width=12% style="height:25.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin
  before provisions<sup>(1)</sup></font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,634</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,129</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">4,800</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,654</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,992</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">127</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(1,291)</font></font></p>
  </td>
 <td valign=bottom width=17% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">12,045</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:29.45pt;">
  <td valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:29.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating
  profit/(loss) before tax<sup>(2)</sup></font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,840</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">920</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,269</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,444</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,288</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">148</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(1,329)</font></font></p>
  </td>
 <td valign=bottom width=17% style="border:none;border-bottom:solid black 1.0pt;height:29.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">7,580</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:25.5pt;">
  <td valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,400</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">736</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,367</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">567</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">578</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">96</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(419)</font></b></font></p>
  </td>
 <td valign=bottom width=17% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">5,324</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net
  interest income</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,810</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,119</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">5,476</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,331</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,200</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">180</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(357)</font></font></p>
  </td>
 <td valign=bottom width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">17,758</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross
  income</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">6,162</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,876</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">7,122</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">4,115</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">4,451</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">468</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">74</font></font></p>
  </td>
 <td valign=bottom width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">25,270</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:25.5pt;">
  <td valign=bottom width=12% style="height:25.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin
  before provisions<sup>(1)</sup></font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,665</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,026</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">4,646</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,608</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,424</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">164</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(764)</font></font></p>
  </td>
 <td valign=bottom width=17% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">12,770</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating
  profit/(loss) before tax</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,189</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">749</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,960</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,143</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,671</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">181</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(1,962)</font></font></p>
  </td>
 <td valign=bottom width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">6,931</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:25.5pt;">
  <td valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">877</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">486</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,170</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">823</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">847</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(1,812)</font></b></font></p>
  </td>
 <td valign=bottom width=17% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,519</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net
  interest income</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,937</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,923</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">5,155</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,404</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,930</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">166</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(456)</font></font></p>
  </td>
 <td valign=bottom width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">17,059</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross
  income</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">6,410</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,673</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">6,799</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">4,257</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">4,054</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">491</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(31)</font></font></p>
  </td>
 <td valign=bottom width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">24,653</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:26.25pt;">
  <td valign=bottom width=12% style="height:26.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin
  before provisions<sup>(1)</sup></font></font></p>
  </td>
 <td valign=bottom width=10% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,699</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">840</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">4,371</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,515</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,141</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">153</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(857)</font></font></p>
  </td>
 <td valign=bottom width=17% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">11,862</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating
  profit/(loss) before tax</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">519</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">589</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">2,678</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,902</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,533</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">207</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(1,035)</font></font></p>
  </td>
 <td valign=bottom width=17% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">6,392</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">305</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">442</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">1,980</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">596</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">757</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">154</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">(760)</font></b></font></p>
  </td>
 <td valign=bottom width=17% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;line-height:normal;">3,475</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=9 nowrap valign=bottom width=99% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=10 valign=bottom width=100% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">&#160;(1) &#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross
  income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;. </font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2) The
  information relating to our Corporate Center segment has been presented under
  management criteria pursuant to which &#8220;Operating
  profit/(loss) before tax&#8221; excludes the capital gain from the sale of our
  stake in BBVA Chile. For additional information on this adjustment, see</font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">
  &#8220;Item 5. Operating and Financial Review and Prospects&#8212;Operating
  Results&#8212;Results of Operations by Operating Segment&#8221;</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"> in this report on
  Form 6-K</font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">.&nbsp;</font></i></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">6</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The following tables
set forth information relating to the balance sheet of the main operating
segments as of December 31, 2018, 2017 and 2016:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=33% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face="Times New Roman,serif" style="border:none;"><font color=navy face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face="Times New Roman,serif" style="border:none;"><font color=navy face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=12% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=33% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face="Times New Roman,serif" style="border:none;"><font color=navy face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=6 valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">As of December 31, 2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:32.25pt;">
  <td valign=bottom width=33% style="height:32.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">The United States</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Turkey </font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">South America</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Rest of Eurasia</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=33% style="border:none;border-right:solid white 1.5pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=6 nowrap width=67% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:19.35pt;">
  <td nowrap valign=bottom width=33% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Total Assets</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">354,901</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">82,057</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">97,432</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">66,250</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">54,373</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">18,834</font></b></font></p>
  </td>
 </tr>
<tr style="height:26.45pt;">
  <td valign=bottom width=33% style="height:26.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Cash, cash
  balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">28,545</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,835</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">8,274</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7,853</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">8,987</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:26.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">238</font></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td valign=bottom width=33% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Financial
  assets designated at fair value (1)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">107,320</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10,481</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">26,022</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,506</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,634</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">504</font></font></p>
  </td>
 </tr>
<tr style="height:17.45pt;">
  <td nowrap valign=bottom width=33% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Financial
  assets at amortized cost</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">195,467</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">63,539</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">57,709</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">50,315</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">36,649</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">17,799</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=33% style="height:18.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans and
  advances to customers</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">170,438</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">60,808</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">51,101</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">41,478</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">34,469</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">16,598</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td valign=bottom width=33% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td valign=bottom width=33% style="height:20.1pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Residential
  mortgages</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">74,543</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10,990</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9,197</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,530</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,629</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,821</font></font></p>
  </td>
 </tr>
<tr style="height:16.35pt;">
  <td valign=bottom width=33% style="height:16.35pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Consumer
  finance</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,749</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9,187</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">12,145</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9,145</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9,431</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">420</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=33% style="height:15.0pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9,665</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">8,467</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7,347</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,265</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7,374</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">410</font></i></font></p>
  </td>
 </tr>
<tr style="height:16.35pt;">
  <td valign=bottom width=33% style="height:16.35pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Credit cards</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,083</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">720</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,798</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,880</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,058</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10</font></i></font></p>
  </td>
 </tr>
<tr style="height:17.45pt;">
  <td valign=bottom width=33% style="height:17.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans to
  enterprises</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">52,514</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">32,862</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">20,493</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">27,657</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">16,975</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13,685</font></font></p>
  </td>
 </tr>
<tr style="height:19.35pt;">
  <td valign=bottom width=33% style="height:19.35pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans to
  public sector</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">17,070</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,400</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,726</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">95</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,078</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">414</font></font></p>
  </td>
 </tr>
<tr style="height:18.6pt;">
  <td nowrap valign=bottom width=33% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Total Liabilities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">345,592</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">77,976</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">90,961</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">63,657</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">52,683</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">18,052</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td valign=bottom width=33% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Financial
  liabilities held for trading and designated at fair value through profit or
  loss</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">71,033</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">234</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">18,028</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,852</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,357</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">42</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td valign=bottom width=33% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Financial
  liabilities at amortized cost - Customer deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">183,414</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">63,891</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">50,530</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">39,905</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">35,842</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,876</font></font></p>
  </td>
 </tr>
<tr style="height:19.35pt;">
  <td valign=bottom width=33% style="height:19.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:19.35pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:19.35pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.6pt;">
  <td valign=bottom width=33% style="height:18.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Current
  and savings accounts</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">142,912</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">41,213</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">38,167</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">12,530</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">22,959</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,544</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=33% style="height:18.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Time
  deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">40,072</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">16,856</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,593</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">27,367</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">12,829</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,333</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=33% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Total Equity</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9,309</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,082</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,471</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,593</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,690</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">782</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td nowrap valign=bottom width=33% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Assets Under Management</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">62,559</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">20,647</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,894</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,662</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">388</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=33% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Mutual
  funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">39,250</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">17,733</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">669</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,741</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=33% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Pension
  funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">23,274</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,225</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7,921</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">388</font></font></p>
  </td>
 </tr>
<tr style="height:16.35pt;">
  <td valign=bottom width=33% style="height:16.35pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  placements</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,914</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:16.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=33% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 valign=bottom width=100% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1) Financial assets designated at fair value
  includes: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets
  mandatorily at fair value through profit or loss&#8221;, &#8220;Financial assets
  designated at fair value through profit or loss&#8221; and &#8220;Financial assets at
  fair value through other comprehensive income&#8221;.</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">7</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_8"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td valign=bottom width=33% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=6 valign=bottom width=67% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">As of December 31, 2017</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td valign=bottom width=33% style="height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Spain </font></b></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">The United States</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Turkey </font></b></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">South America</font></b></font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Rest of Eurasia</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=33% style="border:none;border-right:solid white 1.5pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=6 nowrap width=67% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td nowrap valign=bottom width=33% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Total Assets</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">350,520</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">75,775</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">90,214</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">78,789</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">75,320</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">17,265</font></b></font></p>
  </td>
 </tr>
<tr style="height:26.25pt;">
  <td valign=bottom width=33% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Cash, cash
  balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13,636</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7,138</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">8,833</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,036</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9,039</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:26.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">877</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=33% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Financial
  assets designated at fair value (1)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">86,912</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,068</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">28,458</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,419</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,627</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">991</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=33% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Financial
  assets at amortized cost</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">230,228</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">54,705</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">47,691</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">65,083</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">51,207</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">15,533</font></font></p>
  </td>
 </tr>
<tr style="height:16.35pt;">
  <td valign=bottom width=33% style="height:16.35pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans and
  advances to customers</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">187,884</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">53,718</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">45,768</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">51,378</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:16.35pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">48,272</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:16.35pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">15,388</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=33% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:14.1pt;">
  <td valign=bottom width=33% style="height:14.1pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Residential
  mortgages</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">77,449</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13,298</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">8,081</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,147</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,681</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,112</font></font></p>
  </td>
 </tr>
<tr style="height:17.1pt;">
  <td valign=bottom width=33% style="height:17.1pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Consumer
  finance</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9,642</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,432</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10,820</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,185</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10,474</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">297</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td valign=bottom width=33% style="height:21.0pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7,752</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,894</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,422</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,760</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7.760</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">282</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=33% style="height:15.0pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Credit cards</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,890</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">538</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,397</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,425</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,715</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">15</font></i></font></p>
  </td>
 </tr>
<tr style="height:17.1pt;">
  <td valign=bottom width=33% style="height:17.1pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans to
  enterprises</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">50,878</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">30,261</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">20,977</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">34,371</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">23,567</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,801</font></font></p>
  </td>
 </tr>
<tr style="height:15.6pt;">
  <td valign=bottom width=33% style="height:15.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans to
  public sector</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">18,562</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,999</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,262</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">148</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,114</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">511</font></font></p>
  </td>
 </tr>
<tr style="height:21.6pt;">
  <td nowrap valign=bottom width=33% style="height:21.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Total Liabilities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">338,612</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">72,653</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">86,700</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">70,348</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:21.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">70,569</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:21.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">16,330</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td valign=bottom width=33% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Financial
  liabilities held for trading and designated at fair value through profit or
  loss</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">43,793</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">139</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9,405</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">648</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,823</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:27.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">45</font></font></p>
  </td>
 </tr>
<tr style="height:28.9pt;">
  <td valign=bottom width=33% style="height:28.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Financial
  liabilities at amortized cost - Customer deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:28.9pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">180,840</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:28.9pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">60,806</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:28.9pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">49,964</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:28.9pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">44,691</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:28.9pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">45,705</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:28.9pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,700</font></font></p>
  </td>
 </tr>
<tr style="height:17.1pt;">
  <td valign=bottom width=33% style="height:17.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:17.1pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:17.1pt;">
  <td valign=bottom width=33% style="height:17.1pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Current
  and savings accounts</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">126,801</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">44,039</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">34,855</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">14,240</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">25,871</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,279</font></font></p>
  </td>
 </tr>
<tr style="height:17.1pt;">
  <td valign=bottom width=33% style="height:17.1pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Time
  deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">48,014</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">16,762</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10,237</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">30,300</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">20,099</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:17.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,416</font></font></p>
  </td>
 </tr>
<tr style="height:23.1pt;">
  <td nowrap valign=bottom width=33% style="height:23.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Total Equity</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:23.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,909</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:23.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,123</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:23.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,515</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:23.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">8,441</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:23.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,751</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:23.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">935</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.6pt;">
  <td nowrap valign=bottom width=33% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Assets Under Management</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">62,018</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">19,472</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,902</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:18.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">12,197</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:18.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">376</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.6pt;">
  <td valign=bottom width=33% style="height:15.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Mutual
  funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">37,996</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">16,430</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,265</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,248</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.6pt;">
  <td valign=bottom width=33% style="height:15.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Pension
  funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">24,023</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,637</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,949</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">376</font></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td valign=bottom width=33% style="height:14.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  placements</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,041</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:14.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td valign=bottom width=33% style="height:14.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:14.45pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 valign=bottom width=100% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1)&nbsp;Financial assets designated at fair value
  includes: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets
  mandatorily at fair value through profit or loss&#8221;, &#8220;Financial assets
  designated at fair value through profit or loss&#8221; and &#8220;Financial assets at
  fair value through other comprehensive income&#8221;.</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">8</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_9"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td valign=bottom width=27% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=6 valign=bottom width=73% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">As of December 31, 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td valign=bottom width=27% style="height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">The United States</font></b></font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Turkey </font></b></font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">South America</font></b></font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Rest of Eurasia</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=27% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=6 nowrap width=73% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Total Assets</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">368,398</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">84,726</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">94,229</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">84,990</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">77,989</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">19,586</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans and advances to customers</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">187,082</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">60,365</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">47,268</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">55,612</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">48,718</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">15,325</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Residential
  mortgages</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">81,636</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">15,063</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">8,410</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,801</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,441</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,432</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Consumer
  finance</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7,141</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,119</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,286</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">15,819</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10,527</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">231</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,375</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,547</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,630</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10,734</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7,781</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">217</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Credit cards</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,766</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">572</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,656</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,085</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,745</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">15</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans to
  enterprises</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">50,580</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">35,727</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">22,617</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">33,992</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">25,948</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">12,604</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Loans to
  public sector</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">20,606</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,457</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,862</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">685</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">57</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Total Liabilities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">354,890</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">80,703</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">90,007</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">75,921</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">73,496</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">18,208</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=27% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Financial liabilities at amortized cost - Customer deposits</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">186,251</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">65,241</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">51,090</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">47,244</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">47,927</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9,396</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Current
  and savings accounts</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">103,610</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">49,466</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">34,506</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">12,013</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">25,578</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,549</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Time
  deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">71,199</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">15,766</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">8,003</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">35,231</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">22,349</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,774</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Total Equity</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13,508</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,024</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,222</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9,068</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,493</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,378</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.45pt;">
  <td nowrap valign=bottom width=27% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Assets Under Management</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:20.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">56,096</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:20.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:20.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">19,111</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:20.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,753</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:20.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11,902</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:20.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">366</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Mutual
  funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">32,648</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">16,331</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,192</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,859</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Pension
  funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">23,448</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,561</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7,043</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">366</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  placements</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,780</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Spain</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The Spain operating segment
includes all of BBVA&#8217;s banking and non-banking businesses in Spain, other than
those included in the Corporate Center. The main business units included in
this operating segment are:</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:35.45pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-21.25pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Spanish Retail Network</font></i></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">:
including individual customers, private banking, small companies and businesses
in the domestic market;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:35.45pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-21.25pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Corporate and Business Banking (CBB)</font></i></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">: which manages small and medium sized enterprises (&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">SMEs</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;),
companies and corporations, public institutions and developer segments;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:35.45pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-21.25pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Corporate and Investment Banking (C&amp;IB)</font></i></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">: responsible for business with large corporations and
multinational groups and the trading floor and distribution business in Spain;
and</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:35.45pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-21.25pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other units</font></i></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">: which includes the insurance
business unit in Spain (BBVA Seguros) and the Asset Management unit, which
manages Spanish mutual funds and pension funds, and includes lending to real
estate developers and foreclosed real estate assets (including assets from the
previous Non-Core Real Estate operating segment), as well as certain
proprietary portfolios and certain funding and structural interest-rate
positions of the euro balance sheet which are not included in the Corporate
Center.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">9</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial
assets designated at fair value of this operating segment (which includes the
following portfolios: &#8220;Financial assets held for trading&#8221;, &#8220;Non-trading
financial assets mandatorily at fair value through profit or loss&#8221;, &#8220;Financial
assets designated at fair value through profit or loss&#8221; and &#8220;Financial assets
at fair value through other comprehensive income&#8221;) as of December 31, 2018
amounted to &#8364;107,320 million, a 23.5% increase from the &#8364;86,912 million
recorded as of December 31, 2017, mainly as a result of the initial
implementation of IFRS 9 as of January 1, 2018, which resulted in the
reclassification of certain financial assets previously accounted for as &#8220;Loans
and receivables&#8221; (and shown as &#8220;Financial assets at amortized cost&#8221; as of
December 31, 2017 in this report on Form 6-K (see &#8220;Presentation of Financial
Information&#8212;Application of IFRS 9&#8221; in the 2018 Form 20-F))&#160; to &#8220;Financial
assets held for trading&#8221;. See Note 2.4 to our Consolidated Financial Statements
for further information regarding the classification and measurement of
financial instruments.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial assets at amortized
cost of this operating segment as of December 31, 2018 amounted to &#8364;195,467
million, a 15.1% decrease compared with the &#8364;230,228 million recorded as of
December 31, 2017. Within this heading, loans and advances to customers
amounted to &#8364;170,438 million as of December 31, 2018, a 9.3% decrease from the
&#8364;187,884 million recorded as of December 31, 2017, mainly as a result of the
decrease in the mortgage portfolio, and to a lesser extent, the decrease in
other commercial and public sector portfolios. These decreases were partially
offset by the increase in consumer loans, credit card balances and loans to
small enterprises and self-employed individuals.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial liabilities held for
trading and designated at fair value through profit or loss of this operating
segment as of December 31, 2018 amounted to &#8364;71,033 million, an 62.2% increase
compared with the &#8364;43,793 million recorded as of December 31, 2017, mainly as a
result of the initial implementation of IFRS 9 as of January 1, 2018, which
resulted in the reclassification of certain deposits previously accounted at
amortized cost to the held for trading portfolio (see Note 2.4 to our
Consolidated Financial Statements for further information regarding the
classification and measurement of financial instruments).</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Customer deposits at amortized
cost of this operating segment as of December 31, 2018 amounted to &#8364;183,414
million, a 1.4% increase compared with the &#8364;180,840 million recorded as of
December 31, 2017, mainly a result of the increase in demand deposits,
partially offset by the initial implementation of IFRS 9 as of January 1, 2018,
which resulted in the reclassification of certain deposits previously accounted
at amortized cost to the held for trading portfolio (see Note 2.4 to our
Consolidated Financial Statements for further information regarding the
classification and measurement of financial instruments) and the decrease in
time deposits.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Mutual funds of this operating
segment as of December 31, 2018 amounted to &#8364;39,250 million, a 3.3% increase
from the &#8364;37,996 million recorded as of December 31, 2017, mainly due to new
net contributions.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Pension funds of this
operating segment as of December 31, 2018 amounted to &#8364;23,274 million, a 3.1%
decrease compared with the &#8364;24,023 million recorded as of December 31, 2017,
mainly due to the unfavorable evolution of the markets.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">This operating segment&#8217;s
non-performing loan ratio decreased to 5.1% as of December 31, 2018, from 5.5%
as of December 31, 2017, mainly due to a decrease in the balance of
non-performing loans in the period. This operating segment&#8217;s non-performing
loan coverage ratio increased to 57% as of December 31, 2018, from 50% as of
December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The United States</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">This operating segment encompasses the Group&#8217;s business in the
United States. BBVA Compass accounted for 91.9% of this operating segment&#8217;s
balance sheet as of December 31, 2018. Given the importance of BBVA Compass in
this segment, most of the comments below refer to BBVA Compass. This operating
segment also includes the assets and liabilities of the BBVA branch in New
York, which specializes in transactions with large corporations.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The U.S. dollar appreciated 4.7% against the euro as of December
31, 2018 compared with December 31, 2017, positively affecting the business
activity of the United States operating segment as of December 31, 2018
expressed in euros.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">10</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial assets designated at
fair value of this operating segment as of December 31, 2018 amounted to
&#8364;10,481 million, a 5.3% decrease from the &#8364;11,068 million recorded as of
December 31, 2017, mainly as a result of the initial implementation of IFRS 9
as of January 1, 2018, which resulted in the reclassification of certain
financial assets previously accounted for as &#8220;Available for sale financial
assets&#8221; (and shown as &#8220;Financial assets at fair value through other
comprehensive income&#8221; as of December 31, 2017 in this report on Form 6-K (see
&#8220;Presentation of Financial Information&#8212;Application of IFRS 9&#8221; in the 2018 Form
20-F))&#160; to &#8220;Financial assets at amortized cost&#8221; as of December 31, 2018. See
Note 2.4 to our Consolidated Financial Statements for further information
regarding the classification and measurement of financial instruments.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial assets at amortized cost of this operating segment as of
December 31, 2018 amounted to &#8364;63,539 million, a 16.1% increase compared with
the &#8364;54,705 million recorded as of December 31, 2017. Within this heading,
loans and advances to customers of this operating segment as of December 31,
2018 amounted to &#8364;60,808 million, a 13.2% increase compared with the &#8364;53,718
million recorded as of December 31, 2017, mainly due to the appreciation of the
U.S. dollar against the euro and to the increase in the other commercial
portfolio (which was the most significant part of the total portfolio in 2018),
and to a lesser extent, to increases in the consumer and corporate portfolios,
partially offset by the weaker performance of mortgage loans and loans to real
estate developers (which were adversely affected by the increase in interest
rates).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Customer deposits of this operating segment as of December 31,
2018 amounted to &#8364;63,891 million, a 5.1% increase compared with the &#8364;60,806
million recorded as of December 31, 2017, mainly due to the appreciation of the
U.S. dollar against the euro and the increase in demand deposits, in a context
of increased competition for deposits during the year.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The non-performing loan ratio of this operating segment as of
December 31, 2018 was 1.3%, compared with 1.2% as of December 31, 2017. This
operating segment&#8217;s non-performing loan coverage ratio decreased to 85% as of
December 31, 2018, from 104% as of December 31, 2017, mainly due to the
increase in non-performing loans and the release in 2018 of provisions
associated with retail portfolios affected by hurricanes in 2017.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Mexico</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The Mexico operating segment comprises the banking and insurance
businesses conducted in Mexico by BBVA Bancomer. Since 2018, it also includes
BBVA Bancomer&#8217;s branch in Houston (which was part of our United States segment
in previous years).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The Mexican peso appreciated 5.2% against the euro as of December
31, 2018 compared with December 31, 2017, positively affecting the business
activity of the Mexico operating segment as of December 31, 2018 expressed in
euros.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial assets designated at fair value of this operating
segment as of December 31, 2018 amounted to &#8364;26,022 million, an 8.6% decrease
from the &#8364;28,458 million recorded as of December 31, 2017, attributable in part
to the initial implementation of IFRS 9 as of January 1, 2018, which resulted
in the reclassification of certain financial assets previously accounted for as
&#8220;Available for sale financial assets&#8221; (and shown as &#8220;Financial assets at fair
value through other comprehensive income&#8221; as of December 31, 2017 in this report
on Form 6-K (see &#8220;Presentation of Financial Information&#8212;Application of IFRS 9&#8221;
in the 2018 Form 20-F)) to &#8220;Financial assets at amortized cost&#8221; as of December
31, 2018. See Note 2.4 to our Consolidated Financial Statements for further
information regarding the classification and measurement of financial
instruments.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial assets at amortized cost of this operating segment as of
December 31, 2018 amounted to &#8364;57,709 million, a 21.0% increase compared with
the &#8364;47,691 million recorded as of December 31, 2017. Within this heading,
loans and advances to customers of this operating segment as of December 31,
2018 amounted to &#8364;51,101 million, a 11.7% increase compared with the &#8364;45,768 million
recorded as of December 31, 2017, primarily due to the appreciation of the
Mexican peso against the euro and to the increase in loans to enterprises, and
to a lesser extent, the increase in the consumer portfolios and residential
mortgages.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial liabilities held for trading and designated at fair
value through profit or loss of this operating segment as of December 31, 2018
amounted to &#8364;18,028 million, a 91.7% increase compared with the &#8364;9,405 million
recorded as of December 31, 2017, mainly as a result of the initial
implementation of IFRS 9 as of January 1, 2018, which resulted in the
reclassification of certain deposits at amortized cost to the held for trading
portfolio.</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Customer deposits of this
operating segment as of December 31, 2018 amounted to &#8364;50,530 million, a 1.1%
increase compared with the &#8364;49,964 million recorded as of December 31, 2017,
primarily due to the appreciation of the Mexican peso against the euro.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Mutual funds of this operating segment as of December 31, 2018
amounted to &#8364;17,733 million, a 7.9% increase compared with the &#8364;16,430 million
recorded as of December 31, 2017, primarily due to the appreciation of the
Mexican peso against the euro.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">This operating segment&#8217;s non-performing loan ratio was 2.1% as of
December 31, 2018 and 2.3% as of December 31, 2017. This operating segment&#8217;s
non-performing loan coverage ratio increased to 154% as of December 31, 2018,
from 123% as of December 31, 2017 due to an increase of 26.6% in the provisions
mainly as a result of the first implementation of IFRS 9.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Turkey</font></b></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">This operating segment
comprises the banking and insurance businesses conducted by Garanti and its
consolidated subsidiaries.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The Turkish lira depreciated 25.0% against the euro as of December
31, 2018 compared to December 31, 2017, negatively affecting the business
activity of the Turkey operating segment as of December 31, 2018 expressed in
euros.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial assets designated at fair value of this operating
segment as of December 31, 2018 amounted to &#8364;5,506 million, a 14.2% decrease
from the &#8364;6,419 million recorded as of December 31, 2017, mainly as a result of
the depreciation of the Turkish lira. See Note 2.4 to our Consolidated
Financial Statements for further information regarding the classification and
measurement of financial instruments.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial assets at amortized cost of this operating segment as of
December 31, 2018 amounted to &#8364;50,315, a 22.7% decrease compared with the
&#8364;65,083 recorded as of December 31, 2017. Within this heading, loans and
advances to customers of this operating segment as of December 31, 2018
amounted to &#8364;41,478 million, a 19.3% decrease compared with the &#8364;51,378 million
recorded as of December 31, 2017 principally due to the depreciation of the
Turkish lira and, to a lesser extent, the decrease in mortgage loans and loans
to enterprises denominated in Turkish lira, offset in part by an increase in
credit card lending and car loans.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial liabilities held for trading and designated at fair
value through profit or loss of this operating segment as of December 31, 2018
amounted to &#8364;1,852 million, a 185.9% increase compared with the &#8364;648 million
recorded as of December 31, 2017, mainly as a result of the initial
implementation of IFRS 9 as of January 1, 2018 (see Note 2.4 to our Consolidated
Financial Statements for further information regarding the classification and
measurement of financial instruments), which resulted in the reclassification
of certain deposits at amortized cost to the held for trading portfolio, which
more than offset the impact of the depreciation of the Turkish lira.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Customer deposits of this operating segment as of December 31,
2018 amounted to &#8364;39,905 million, a 10.7% decrease compared with the &#8364;44,691
million recorded as of December 31, 2017, mainly as a result of the
depreciation of the Turkish lira, the increased relative weight of deposits
held in Turkish lira and the decrease in deposits held in U.S. dollars,
partially offset by the increase in deposits held in Turkish lira. The increase
in deposits held in Turkish lira and the decrease in deposits held in U.S.
dollars was mainly attributable to the higher interest rates paid on deposits
held in Turkish lira.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Mutual funds in this operating segment as of December 31, 2018
amounted to &#8364;669 million, a 47.1% decrease compared with the &#8364;1,265 million as
of December 31, 2017, mainly as a result of the depreciation of the Turkish
lira against the euro and the market evolution.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Pension funds in this operating segment as of December 31, 2018
amounted to &#8364;2,225 million, a 15.6% decrease compared with the &#8364;2,637 million
recorded as of December 31, 2017, mainly as a result of the depreciation of the
Turkish lira against the euro. </font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">12</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The non-performing loan ratio
of this operating segment as of December 31, 2018 was 5.3% compared with 3.9%
as of December 31, 2017 </font><font color=black face="Times New Roman,serif" lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">mainly as a
result </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">of increased impairments of wholesale loans affected by </font><font color=black face="Times New Roman,serif" lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">the deteriorating macroeconomic scenario</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">.
This operating segment&#8217;s non-performing loan coverage ratio decreased to 81% as
of December 31, 2018, from 85% as of December 31, 2017, mainly due to the 12.7%
increase in the balance of non-performing loans as of December 31, 2018 in
comparison with the balance recorded as of December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">South America</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The South America operating segment includes the Group&#8217;s banking
and insurance businesses in the region.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The business units included in
the South America operating segment are: </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Retail and Corporate Banking</font></i></b></font><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">: </font></i></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">includes banks in Argentina, Colombia, Paraguay, Peru, Uruguay and
Venezuela.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:12.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Insurance: </font></i></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">includes insurance businesses
in Argentina, Colombia and Venezuela.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:18.0pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">In November 2017, BBVA reached an agreement for the sale of BBVA&#8217;s
68.2% direct and indirect stake in BBVA Chile. The sale was completed on July
6, 2018. For additional information, see &#8220;Item 4. Information on the
Company&#8212;History and Development of the Company&#8212;Capital Divestitures&#8212;2018&#8212;Sale
of BBVA&#8217;s stake in BBVA Chile&#8221; in the 2018 Form 20-F. The Group keeps an
automobile financing business in Chile, mainly carried out by Forum Servicios
Financieros, S.A. BBVA has decided to initiate a strategic review of
alternatives for its automobile financing business in this country.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:18.0pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As of December 31, 2018, the currencies of certain of the
countries in which BBVA operates in South America (mainly the Argentine peso,
which depreciated significantly, and the Colombian peso) depreciated against
the euro compared to December 31, 2017, negatively affecting the business
activity of the South America operating segment expressed in euros.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:18.0pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial assets designated at fair value for this operating
segment as of December 31, 2018 amounted to &#8364;5,634 million, a 51.5% decrease
compared with the &#8364;11,627 million recorded as of December 31, 2017, mainly
attributable to the depreciation of certain local currencies, the sale of BBVA
Chile and the initial implementation of IFRS 9 as of January 1, 2018. The
initial implementation of IFRS 9 resulted in the reclassification of certain
financial assets previously accounted for as &#8220;Available for sale financial
assets&#8221; (and shown as &#8220;Financial assets at fair value through other
comprehensive income&#8221; as of December 31, 2017 in this report on Form 6-K (see
&#8220;Presentation of Financial Information&#8212;Application of IFRS 9&#8221; in the 2018 Form
20-F)) to &#8220;Financial assets at amortized cost&#8221; as of December 31, 2018. See
Note 2.4 to our Consolidated Financial Statements for further information
regarding the classification and measurement of financial instruments.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:18.0pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial assets at amortized cost of this operating segment as of
December 31, 2018 amounted to &#8364;36,649 million, a 28.4% decrease compared with
the &#8364;51,207 recorded as of December 31, 2017. Within this heading, loans and
advances to customers of this operating segment as of December 31, 2018
amounted to &#8364;34,469 million, a 28.6% decrease compared with the &#8364;48,272 million
recorded as of December 31, 2017, mainly as a result of the sale of BBVA Chile
and, to a lesser extent, the impact of the depreciation of certain currencies
in the region, in particular the Argentine peso. By country, financial assets
at amortized cost increased in Argentina (excluding the impact of currency
depreciation), Colombia and Peru. At constant exchange rates, there were
increases in residential mortgages, consumer finance and loans to enterprises.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:18.0pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Customer deposits of this operating segment as of December 31,
2018 amounted to &#8364;35,842 million, a 21.6% decrease compared with the &#8364;45,705
million recorded as of December 31, 2017 mainly as a result of the sale of BBVA
Chile and, to a lesser extent, the impact of the depreciation of certain
currencies in the region, in particular the Argentine peso. By country,
customer deposits increased in Argentina (excluding the impact of currency
depreciation), Colombia and Peru. </font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Mutual funds in this
operating segment as of December 31, 2018 amounted to &#8364;3,741 million, a 28.7%
decrease compared with the &#8364;5,248 million as of December 31, 2017, mainly due
to the sale of BBVA Chile, and, to a lesser extent, the depreciation of certain
currencies in the region, in particular the Argentine peso.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Pension funds in this operating segment as of December 31, 2018
amounted to &#8364;7,921 million, a 14.0% increase compared with the &#8364;6,949 million
recorded as of December 31, 2017, mainly as a result of an increase in pension
funds in Bolivia.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The non-performing loan ratio of this operating segment as of December
31, 2018 increased to 4.3% compared with 3.4% as of December 31, 2017,
primarily due to the sale of BBVA Chile, which had better risk indicators than
the other the countries where the Group operates in the region. This operating
segment&#8217;s non-performing loan coverage ratio increased to 97% as of December
31, 2018, from 89% as of December 31, 2017, mainly due to the 7.3% decrease in
the balance of non-performing loans as of December 31, 2018 compared to the
balance recorded as of December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Rest of Eurasia</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">This operating segment includes the retail and wholesale banking
businesses carried out by the Group in Europe (primarily Portugal) and Asia,
excluding Spain and Turkey.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial assets designated at fair value for this operating
segment as of December 31, 2018 amounted to &#8364;504 million, a 49.1% decrease
compared with the &#8364;991 million recorded as of December 31, 2017, mainly as a
result of the initial implementation of IFRS 9 as of January 1, 2018, which
resulted in the reclassification of certain financial assets previously
accounted for as &#8220;Available for sale financial assets&#8221; (and shown as &#8220;Financial
assets at fair value through other comprehensive income&#8221; as of December 31,
2017 in this report on Form 6-K (see &#8220;Presentation of Financial
Information&#8212;Application of IFRS 9&#8221; in the 2018 Form 20-F)) to &#8220;Financial assets
at amortized cost&#8221; as of December 31, 2018. See Note 2.4 to our Consolidated
Financial Statements for further information regarding the classification and
measurement of financial instruments.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial assets at amortized cost of this operating segment as of
December 31, 2018 amounted to &#8364;17,799 million, a 14.6% increase compared with
the &#8364;15,533 recorded as of December 31, 2017. Within this heading, loans and
advances to customers of this operating segment as of December 31, 2018
amounted to &#8364;16,598 million, a 7.9% increase compared with the &#8364;15,388 million
recorded as of December 31, 2017, mainly as a result of an increase in enterprise
loans.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Customer deposits of this operating segment as of December 31,
2018 amounted to &#8364;4,876 million, a 27.2% decrease compared with the &#8364;6,700
million recorded as of December 31, 2017, mainly as a result of the decrease in
time deposits, as the low interest rate environment has caused certain larger
clients not to renew their deposit contracts.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Pension funds in this operating segment as of December 31, 2018
amounted to &#8364;388 million, a 3.2% increase compared with the &#8364;376 million
recorded as of December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The non-performing loan ratio
of this operating segment as of December 31, 2018 was 1.7% compared with 2.4%
as of December 31, 2017. This operating segment&#8217;s non-performing loan coverage
ratio increased to 83% as of December 31, 2018, from 74% as of December 31,
2017, mainly due to the decrease in the balance of non-performing loans as of
December 31, 2018, compared to the balance recorded as of December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Insurance Activity</font></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">See Note 23 to our Consolidated
Financial Statements for information on our insurance activity.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">C.&nbsp;&nbsp; Organizational Structure</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">D.&nbsp;&nbsp; Property, Plants and
Equipment</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note.</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">E. &nbsp;&nbsp; Selected
Statistical Information</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F.&nbsp;&nbsp; Competition</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:150%;">G.&nbsp;&nbsp;
Cybersecurity and Fraud Management</font></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:150%;">There are no
changes derived from the recast described in the introductory explanatory note.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:0cm;margin-top:18.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM
4A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; UNRESOLVED STAFF COMMENTS</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:150%;">ITEM
5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OPERATING AND FINANCIAL REVIEW AND PROSPECTS</font></b></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:7.1pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:150%;">A.&#160;&#160; Operating Results</font></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:21.25pt;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Except
as described below, there are no changes derived from the recast described in
the introductory explanatory note.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-26.1pt;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Results of Operations
by Operating Segment</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The information contained in this section is presented under
management criteria.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The tables set forth below reconcile the income statement of our
operating segments presented in this section to the consolidated income statement
of the Group. The &#8220;Adjustments&#8221; column reflects the differences between the
Group income statement and the income statement calculated in accordance with
the management operating segment reporting criteria for 2018, which is set
forth in the immediately succeeding paragraph.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">On July 6, 2018, we completed the sale of our 68.19% stake in BBVA
Chile, whose results were consolidated in our South America operating segment
for the period from January 1 until its sale. For additional information on
this sale, see &#8220;Item 4. Information on the Company&#8212;History and Development of
the Company&#8212;Capital Divestitures&#8212;2018&#8221; in the 2018 Form 20-F. This transaction
resulted in a capital gain, net of taxes, of &#8364;633 million, which was recorded
in our Corporate Center segment. In this section, information relating to our
Corporate Center segment for 2018 has been presented under management criteria
pursuant to which the capital gain resulting from the sale of our stake in BBVA
Chile has been recorded under &#8220;Profit from corporate operations, net&#8221;. However,
for purposes of the Group financial statements, the capital gain from such sale
has been recorded under the heading &#8220;Profit (loss) from non-current assets and
disposal groups classified as held for sale not qualifying as discontinued
operations&#8221;.</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:1.0pt;">
  <td valign=bottom width=15% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=12 width=78% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">For the year ended December 31, 2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td valign=bottom width=15% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">United States</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">South America</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Rest of Eurasia</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Corporate Center</font></b></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Adjustments</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">(1)</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Group Income</font></b></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=13 valign=top width=85% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Net interest </font></b></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">income</font></b></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;3,698 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;2,276 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;5,568 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;3,135 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;3,009 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;175 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(269)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=1% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;17,591 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;17,591 &nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,682 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;596 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,205 &nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;686 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;631 &nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;138 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(59)&nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-top:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;4,879 &nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&nbsp;</font></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;4,879 &nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net <sup>(2)</sup></font></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;529 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;109 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;223 &nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;11 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;405 &nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;101 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(155)&nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,223 &nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,223 &nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Other
  operating income and expense, net <sup>(3)</sup></font></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;59 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;9 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;197 &nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;70 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(344)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;- &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;63 &nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;54 &nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;54 &nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;5,968 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;2,989 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;7,193 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;3,901 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;3,701 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;414 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(420)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;23,747 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;23,747 &nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(3,027)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,683)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(2,139)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,109)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,584)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(281)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(672)&nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(10,494)&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;- &nbsp;</font></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(10,494)&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(308)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(178)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(253)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(138)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;text-indent:24.5pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(125)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(6)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(200)&nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,208)&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,208)&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Net margin before provisions <sup>(4)</sup></font></b></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;2,634 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,129 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;4,800 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;2,654 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,992 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;127 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,291)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;12,045 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;- &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;12,045 &nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(383)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(225)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,555)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,202)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(638)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;24 &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(2)&nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(3,981)&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;- &nbsp;</font></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(3,981)&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(410)</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(65)</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(36)</font></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(483)</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">866</font></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">382</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Operating&nbsp; profit/ (loss) before tax</font></b></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,840 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;920 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;3,269 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,444 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,288 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;148 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,329)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;7,580 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;866&#160;&#160; &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;8,446 &nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(437)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(185)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(901)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(293)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(469)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(52)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;274 &nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(2,062)&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(233)&nbsp;</font></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(2,295)&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Profit from continuing operations excluding corporate operations</font></b></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,403 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;736 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;2,368 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,151 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;819 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;96 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,055)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;5,518 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;633&#160; &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;6,151&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:8.75pt;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:8.75pt;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:8.75pt;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:8.75pt;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:8.75pt;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:8.75pt;">&#160;633&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:8.75pt;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:8.75pt;">&#160;633&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:8.75pt;">&#160;(633)&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:8.0pt;line-height:8.75pt;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:8.75pt;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,403 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;736 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;2,368 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,151 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;819 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;96 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(422)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;6,151&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;- &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;6,151 &nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.35pt;">Profit
  attributable to non-controlling interests </font></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(3)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;- &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:9.35pt;">&#160;-&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:9.35pt;">&#160;(585)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:9.35pt;">&#160;(241)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:9.35pt;">&#160;- &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:9.35pt;">&#160;3 &nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.35pt;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:9.35pt;">&#160;(827)&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:9.35pt;">&#160;-&nbsp;</font></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.35pt;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:9.35pt;">&#160;(827)&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=15% style="height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;border-bottom:double windowtext 2.25pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,400 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:double black 2.25pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;736 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:double black 2.25pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;2,367 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:double black 2.25pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;567 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:double black 2.25pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;578 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:double black 2.25pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;96 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:double windowtext 2.25pt;height:1.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(419)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:double windowtext 2.25pt;height:1.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double windowtext 2.25pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">5,324</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:double windowtext 2.25pt;height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">- </font></b></font></p>
  </td>
 <td valign=top width=3% style="height:1.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:double windowtext 2.25pt;height:1.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;5,324 &nbsp;</font></b></font></p>
  </td>
 </tr>
<tr height=0>
  <td width=15% style="border:none;">&nbsp;</td>
 <td width=7% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=8% style="border:none;">&nbsp;</td>
 <td width=8% style="border:none;">&nbsp;</td>
 <td width=7% style="border:none;">&nbsp;</td>
 <td width=8% style="border:none;">&nbsp;</td>
 <td width=7% style="border:none;">&nbsp;</td>
 <td width=8% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=10% style="border:none;">&nbsp;</td>
 <td width=3% style="border:none;">&nbsp;</td>
 <td width=8% style="border:none;">&nbsp;</td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;Adjustments in 2018 relate to the treatment of the capital gain derived
from the sale of our 68.19% stake in BBVA Chile. In particular, information
relating to our Corporate Center segment for 2018 has been presented under
management criteria pursuant to which such capital gain has been recorded under
&#8220;Profit from corporate operations, net&#8221;. However, for purposes of the Group
Income, the capital gain from the sale of our stake in BBVA Chile has been
recorded under the heading &#8220;Profit (loss) from non-current assets and disposal
groups classified as held for sale not qualifying as discontinued operations&#8221;
(which is included in &#8220;Provisions or reversal of provisions and other results&#8221;
in the table above).</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;Includes the
following income statement line items contained in the Consolidated Financial
Statements: &#8220;Gains (losses) on derecognition of financial assets and
liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains
(losses) on non-trading financial assets mandatorily at fair value through
profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities
designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from
hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;Includes the
following income statement line items contained in the Consolidated Financial
Statements: &#8220;Dividend income&#8221;, &#8220;Share of profit or loss of entities accounted
for using the equity method&#8221; and &#8220;Income/Expense on insurance and reinsurance
contracts&#8221; and &#8220;Other operating income/expense&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221; less
&#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.2pt;">
  <td valign=bottom width=22% style="height:12.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=9 valign=bottom width=76% style="height:12.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31, 2017 </font></b></font></p>
  </td>
 <td valign=bottom width=2% style="height:12.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:17.05pt;">
  <td valign=bottom width=22% style="height:17.05pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:17.05pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:17.05pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">United States</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:17.05pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:17.05pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Turkey </font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:17.05pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">South America</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:17.05pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Rest of Eurasia</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:17.05pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Corporate Center</font></b></font></p>
  </td>
 <td width=3% style="height:17.05pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:17.05pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Group Income</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:9.7pt;">
  <td width=22% style="height:9.7pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td colspan=9 width=76% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:9.35pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=2% style="height:9.7pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.7pt;">
  <td valign=bottom width=22% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;3,810 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,119</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">5,476</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">3,331</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">3,200</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">180</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(357)</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:9.7pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">17,758</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:9.7pt;">
  <td valign=bottom width=22% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">Net fees
  and commissions</font></font></p>
  </td>
 <td valign=top width=12% style="height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,563&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">644</font></font></p>
  </td>
 <td valign=top width=8% style="height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,219</font></font></p>
  </td>
 <td valign=top width=8% style="height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">703</font></font></p>
  </td>
 <td valign=top width=9% style="height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">713</font></font></p>
  </td>
 <td valign=top width=8% style="height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">164</font></font></p>
  </td>
 <td valign=top width=9% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(86)</font></font></p>
  </td>
 <td valign=top width=3% style="height:9.7pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">4,921</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:20.75pt;">
  <td width=22% style="height:20.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net <sup>(1)</sup></font></font></p>
  </td>
 <td valign=top width=12% style="height:20.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;555 &nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:20.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">111</font></font></p>
  </td>
 <td valign=top width=8% style="height:20.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">249</font></font></p>
  </td>
 <td valign=top width=8% style="height:20.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td valign=top width=9% style="height:20.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">480</font></font></p>
  </td>
 <td valign=top width=8% style="height:20.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">123</font></font></p>
  </td>
 <td valign=top width=9% style="height:20.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">436</font></font></p>
  </td>
 <td valign=top width=3% style="height:20.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="height:20.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,968</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:14.4pt;">
  <td width=22% style="height:14.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Other
  operating income and expense, net <sup>(2)</sup></font></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;234 &nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">177</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">82</font></font></p>
  </td>
 <td valign=top width=3% style="height:14.4pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">622</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:9.7pt;">
  <td valign=bottom width=22% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;6,162 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,876</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">7,122</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">4,115</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">4,451</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">468</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">74</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:9.7pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">25,270</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:9.7pt;">
  <td valign=bottom width=22% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">Administration
  costs</font></font></p>
  </td>
 <td valign=top width=12% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(3,145)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,664)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(2,220)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,329)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,906)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(293)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(556)&nbsp;</font></font></p>
  </td>
 <td valign=top width=3% style="height:9.7pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(11,112)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:9.7pt;">
  <td valign=bottom width=22% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">Depreciation
  and amortization</font></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(352)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(187)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(256)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(178)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(121)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(11)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(282)&nbsp;</font></font></p>
  </td>
 <td valign=top width=3% style="height:9.7pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,387)&nbsp;</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:9.7pt;">
  <td valign=bottom width=22% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">Net margin before provisions<sup>(3)</sup></font></b></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;2,665&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;1,026 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">4,646</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;2,608&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;2,424 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;164&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(764)</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:9.7pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">12,770</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:29.4pt;">
  <td valign=bottom width=22% style="height:29.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification </font></font></p>
  </td>
 <td valign=top width=12% style="height:29.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(705)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:29.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(241)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:29.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,651)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:29.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(453)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:29.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(650)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="height:29.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;23&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:29.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,125)&nbsp;</font></font></p>
  </td>
 <td valign=top width=3% style="height:29.4pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="height:29.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(4,803)&nbsp;</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.85pt;">
  <td valign=bottom width=22% style="height:12.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(771)</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(36)</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(35)</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(103)</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(73)</font></font></p>
  </td>
 <td valign=top width=3% style="height:12.85pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1,036)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:9.7pt;">
  <td valign=bottom width=22% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">Operating&nbsp; profit/ (loss) before tax</font></b></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,189</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">749</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,960</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,143</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,671</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">181</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1,962)</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:9.7pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">6,931</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:21.4pt;">
  <td valign=bottom width=22% style="height:21.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(309)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:21.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(263)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:21.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(789)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:21.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(425)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:21.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(480)&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:21.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(53)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:21.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;151&nbsp;</font></font></p>
  </td>
 <td valign=top width=3% style="height:21.4pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:21.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(2,169)&nbsp;</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:9.7pt;">
  <td valign=bottom width=22% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">Profit from continuing operations</font></b></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">879</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">486</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,170</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,718</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,192</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1,811)</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:9.7pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">4,762</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:19.5pt;">
  <td width=22% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Profit
  from discontinued operations /Profit from corporate operations, net</font></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=3% style="height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:9.7pt;">
  <td valign=bottom width=22% style="height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">Profit</font></b></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">879</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">486</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,170</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,718</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,192</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1,811)</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:9.7pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.7pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">4,762</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:14.4pt;">
  <td valign=bottom width=22% style="height:14.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Profit
  attributable to non-controlling interests </font></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(2)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(895)</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(345)</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">0</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td valign=top width=3% style="height:14.4pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.4pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1,243)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:10.3pt;">
  <td valign=bottom width=22% style="height:10.3pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=top width=12% style="border:none;border-bottom:double black 2.25pt;height:10.3pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;877 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:10.3pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">486</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:double black 2.25pt;height:10.3pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,170</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:double black 2.25pt;height:10.3pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">823</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:10.3pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">847</font></b></font></p>
  </td>
 <td valign=top width=8% style="border:none;border-bottom:double black 2.25pt;height:10.3pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:10.3pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1,812)</font></b></font></p>
  </td>
 <td valign=top width=3% style="height:10.3pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:double black 2.25pt;height:10.3pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">3,519</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1)&nbsp;Includes &#8220;Gains
(losses) on derecognition of financial assets and liabilities not measured at
fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets
and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains
(losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp;Includes &#8220;Dividend income&#8221;, &#8220;Share of profit or loss of
entities accounted for using the equity method&#8221; and &#8220;Income/Expense on
insurance and reinsurance contracts&#8221; and &#8220;Other operating income/expense&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3) &#8220;Net margin before
provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and
&#8220;Depreciation and amortization&#8221;.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">18</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:24.8pt;">
  <td valign=bottom width=24% style="height:24.8pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=9 width=76% style="height:24.8pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31, 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.8pt;">
  <td valign=bottom width=24% style="height:24.8pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:24.8pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid windowtext 1.0pt;height:24.8pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">United States</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:24.8pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:24.8pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Turkey </font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:24.8pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">South America</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid windowtext 1.0pt;height:24.8pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Rest of Eurasia</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:24.8pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Corporate Center</font></b></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:24.8pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:24.8pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Group Income</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.35pt;">
  <td valign=bottom width=24% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td colspan=9 valign=top width=76% style="height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.35pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid windowtext 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">&#160;3,937 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid windowtext 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">1,923</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">5,155</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">3,404</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">2,930</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid windowtext 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">166</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">(456)</font></b></font></p>
  </td>
 <td valign=top width=1% style="border:none;border-bottom:solid windowtext 1.0pt;height:9.35pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">17,059</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.35pt;">
  <td valign=bottom width=24% style="border:none;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">Net fees
  and commissions</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">&#160;1,482&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">635</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">1,152</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">731</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">634</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">194</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">(110)</font></font></p>
  </td>
 <td valign=top width=1% style="border:none;height:9.35pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.7pt;">4,718</font></font></p>
  </td>
 </tr>
<tr style="height:18.8pt;">
  <td width=24% style="height:18.8pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net <sup>(1)</sup></font></font></p>
  </td>
 <td valign=top width=9% style="height:18.8pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;783 &nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:18.8pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">141</font></font></p>
  </td>
 <td valign=top width=9% style="height:18.8pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">222</font></font></p>
  </td>
 <td valign=top width=9% style="height:18.8pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">77</font></font></p>
  </td>
 <td valign=top width=10% style="height:18.8pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">464</font></font></p>
  </td>
 <td valign=top width=7% style="height:18.8pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">87</font></font></p>
  </td>
 <td valign=top width=9% style="height:18.8pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">358</font></font></p>
  </td>
 <td valign=top width=1% style="height:18.8pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:18.8pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,132</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=24% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:11.25pt;">Other operating income and expense, net <sup>(2)</sup></font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;208 &nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">270</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">177</font></font></p>
  </td>
 <td valign=top width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">744</font></font></p>
  </td>
 </tr>
<tr style="height:9.35pt;">
  <td valign=bottom width=24% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.35pt;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;6,410 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,673</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">6,799</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">4,257</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">4,054</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">491</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(31)</font></b></font></p>
  </td>
 <td valign=top width=1% style="height:9.35pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">24,653</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.35pt;">
  <td valign=bottom width=24% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.35pt;">Administration
  costs</font></font></p>
  </td>
 <td valign=top width=9% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(3,342)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,643)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(2,181)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,528)&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,812)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(326)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(533)&nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="height:9.35pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(11,366)</font></font></p>
  </td>
 </tr>
<tr style="height:9.35pt;">
  <td valign=bottom width=24% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.35pt;">Depreciation
  and amortization</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(369)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(190)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(247)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(214)&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(100)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(12)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(293)&nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="height:9.35pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,426)&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.35pt;">
  <td valign=bottom width=24% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.35pt;">Net margin before provisions<sup>(3)</sup></font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;2,699&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">840</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">4,371</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,515</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,141</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">153</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(857)</font></b></font></p>
  </td>
 <td valign=top width=1% style="height:9.35pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">11,862</font></b></font></p>
  </td>
 </tr>
<tr style="height:37.75pt;">
  <td valign=bottom width=24% style="height:37.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification </font></font></p>
  </td>
 <td valign=top width=9% style="height:37.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(901)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:37.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(221)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:37.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,626)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="height:37.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(520)&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="height:37.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(526)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="height:37.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">30</font></font></p>
  </td>
 <td valign=top width=9% style="height:37.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(37)&nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="height:37.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:37.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(3,801)&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:13.2pt;">
  <td valign=bottom width=24% style="height:13.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:13.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1,279)</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:13.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(30)</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:13.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(67)</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:13.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(93)</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(82)</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:13.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:13.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(141)</font></font></p>
  </td>
 <td valign=top width=1% style="height:13.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1,669)</font></font></p>
  </td>
 </tr>
<tr style="height:9.35pt;">
  <td valign=bottom width=24% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.35pt;">Operating&nbsp; profit/ (loss) before tax</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">519</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">589</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2,678</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,902</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,533</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">207</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1,035)</font></b></font></p>
  </td>
 <td valign=top width=1% style="height:9.35pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">6,392</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.65pt;">
  <td valign=bottom width=24% style="height:20.65pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.65pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(211)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:20.65pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(146)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.65pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(697)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.65pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(389)&nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:20.65pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(481)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:20.65pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(53)&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.65pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">279</font></font></p>
  </td>
 <td valign=top width=1% style="height:20.65pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:20.65pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(1,699)&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.35pt;">
  <td valign=bottom width=24% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.35pt;">Profit from continuing operations</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">308</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">442</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,981</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,512</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,052</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">154</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(757)</font></b></font></p>
  </td>
 <td valign=top width=1% style="height:9.35pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">4,693</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.05pt;">
  <td width=24% style="height:20.05pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Profit
  from discontinued operations /Profit from corporate operations, net </font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.05pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:20.05pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.05pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.05pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:20.05pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:20.05pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.05pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=1% style="height:20.05pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:20.05pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.35pt;">
  <td valign=bottom width=24% style="height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:9.35pt;">Profit</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">308</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">442</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,981</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,512</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,052</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">154</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(757)</font></b></font></p>
  </td>
 <td valign=top width=1% style="height:9.35pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:9.35pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">4,693</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.85pt;">
  <td valign=bottom width=24% style="height:16.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:normal;">Profit
  attributable to non-controlling interests </font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:16.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;(3)&nbsp;</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:16.85pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:16.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:16.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(917)</font></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(294)</font></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:solid black 1.0pt;height:16.85pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:solid black 1.0pt;height:16.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td valign=top width=1% style="height:16.85pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:16.85pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(1,218)</font></font></p>
  </td>
 </tr>
<tr style="height:10.0pt;">
  <td valign=bottom width=24% style="height:10.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:8.0pt;line-height:10.0pt;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:10.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">305</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:double black 2.25pt;height:10.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">442</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:10.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">1,980</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:10.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">596</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:double black 2.25pt;height:10.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">757</font></b></font></p>
  </td>
 <td valign=top width=7% style="border:none;border-bottom:double black 2.25pt;height:10.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">154</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:10.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(760)</font></b></font></p>
  </td>
 <td valign=top width=1% style="height:10.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:double black 2.25pt;height:10.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">3,475</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1) &nbsp;Includes &#8220;Gains
(losses) on derecognition of financial assets and liabilities not measured at
fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets
and liabilities designated at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains
(losses) from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp; Includes &#8220;Dividend income&#8221;, &#8220;Share of profit or loss of
entities accounted for using the equity method&#8221; and &#8220;Income/Expense on
insurance and reinsurance contracts&#8221; and &#8220;Other operating income/expense&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3) &#8220;Net margin before
provisions&#8221; is calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and
&#8220;Depreciation and amortization&#8221;.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">19</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_20"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:18.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Results
of operations by operating segment for 2018 Compared with 2017</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">SPAIN</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31, </font></b></font></p>
  </td>
 <td width=11% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">&nbsp;</td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=58% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">&nbsp;</td>
 <td width=15% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2018</font></u></b></font></p>
  </td>
 <td width=16% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:36.75pt;">
  <td width=58% style="height:36.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=11% style="height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,698 </font></b></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,810 </font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2.9)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,682 </font></font></p>
  </td>
 <td nowrap valign=top width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,563 </font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7.6</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains (losses)
  on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">529 </font></font></p>
  </td>
 <td nowrap valign=top width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">555 </font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(4.7)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net </font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(425)</font></font></p>
  </td>
 <td nowrap valign=top width=16% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(204)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">108.5</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">485 </font></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">438 </font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10.7</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,968 </font></b></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,162 </font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3.2)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3,027)</font></font></p>
  </td>
 <td nowrap valign=top width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3,145)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3.8)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(308)</font></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(352)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(12.6)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (2)</font></b></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,634 </font></b></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,665 </font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1.2)</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=58% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(383)</font></font></p>
  </td>
 <td nowrap valign=top width=16% style="height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(705)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(45.6)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(410)</font></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(771)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(46.8)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,840 </font></b></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,189 </font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">54.8</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(437)</font></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(309)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">41.2</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,403 </font></b></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">879 </font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">59.6</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;&#160;&#160; -</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,403 </font></b></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">879 </font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">59.6</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable
  to non-controlling interests</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">65.5</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,400 </font></b></font></p>
  </td>
 <td nowrap valign=top width=16% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">877 </font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">59.6</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1) Comprises the following
income statement line items contained in the Consolidated Financial Statements:
&#8220;Gains (losses) on derecognition of financial assets and liabilities not measured
at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets
and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading
financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities designated at fair value through
profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221; and &#8220;Exchange
differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp;Calculated as &#8220;Gross income&#8221; less &#8220;Administration costs&#8221;
and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:9.35pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this operating segment for the year ended
December 31, 2018 amounted to &#8364;3,698 million, a 2.9% decrease compared with the
&#8364;3,810 million recorded for the year ended December 31, 2017, mainly as a
result of the decrease in the average volume of interest-earning assets and the
increase in the costs of wholesale funding due to the fact that targeted
longer-term refinancing operations (TLTRO) were partially replaced by other
types of funding which bear higher interest rates. The net interest margin over
total average assets of this operating segment amounted to 1.06% for the year
ended December 31, 2018.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of
this operating segment for the year ended December 31, 2018 amounted to &#8364;1,682
million, a 7.6% increase compared with the &#8364;1,563 million recorded for the year
ended December 31, 2017, mainly as a result of the significant contribution
from asset management fees and banking commissions, particularly those
associated with account maintenance. </font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">20</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains (losses) on
financial assets and liabilities and exchange differences, net</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets
and liabilities and exchange differences of this operating segment for the year
ended December 31, 2018 was a net gain of &#8364;529 million, a 4.7% decrease
compared with the &#8364;555 million net gain recorded for the year ended December 31,
2017, mainly as a result of lower sales of ALCO (Assets and Liabilities
Committee) portfolios.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other net operating expense of
this operating segment for the year ended December 31, 2018 amounted to &#8364;425 million,
compared with the &#8364;204 million net operating expense recorded for the year
ended December 31, 2017, mainly as a result of the greater contributions made
to the Deposit Guarantee Fund of Credit Institutions and to the ECB&#8217;s Single
Resolution Fund as compared with 2017.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Income and expense on insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net income on insurance and reinsurance contracts of this
operating segment for the year ended December 31, 2018 was &#8364;485 million, a
10.7% increase compared with the &#8364;438 million recorded for the year ended
December 31, 2017, mainly as a result of a lower claims ratio and new contract
origination.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this operating segment for the year ended
December 31, 2018 amounted to &#8364;3,027 million, a 3.8% decrease compared with the
&#8364;3,145 million recorded for the year ended December 31, 2017, mainly as a
result of a decline in both personnel expense and other administrative expense
driven by the evolution of efficiency plans (which generated savings of &#8364;19
million on communications, rent and legal expense). </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification of
this operating segment for the year ended December 31, 2018 amounted to a &#8364;383
million expense, a 45.6% decrease compared with the &#8364;705 million expense
recorded for the year ended December 31, 2017, mainly as a result of lower
gross additions to non-performing loans and loan-loss provisions for large
customers and decreased impaired assets due to the reduction of the size of the
real-estate portfolio.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions or reversal of provisions and other results</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions or reversal of provisions and other results of this
operating segment for the year ended December 31, 2018 were a &#8364;410 million
expense, a 46.8% decrease compared with the &#8364;771 million expense recorded for
the year ended December 31, 2017, mainly as a result of lower provisions due to
the Cerberus Transaction, including the transfer of certain employees to
Divarian and the decrease in provisions related to early retirements and
contributions to pension funds.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating profit/ (loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing, operating profit before tax of this
operating segment for the year ended December 31, 2018 was &#8364;1,840 million, a 54.8%
increase compared with the &#8364;1,189 million recorded for the year ended December
31, 2017.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense or income related to profit or loss from continuing
operations</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit from continuing operations of this
operating segment for the year ended December 31, 2018 was an expense of &#8364;437
million, a 41.2% increase compared with the &#8364;309 million expense recorded for
the year ended December 31, 2017 mainly as a result of the higher operating
profit before tax. Tax expense amounted to 23.7% of operating profit before tax
for the year ended December 31, 2018 and 26.0% for the year ended December 31,
2017.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">21</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit attributable to
parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing, profit attributable to parent
company of this operating segment for the year ended December 31, 2018 amounted
to &#8364;1,400 million, a 59.6% increase compared with the &#8364;877 million recorded for
the year ended December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:18.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">UNITED STATES</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2018</font></u></b></font></p>
  </td>
 <td valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=11% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;2,276 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,119</font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7.4</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;596 &nbsp;</font></font></p>
  </td>
 <td valign=top width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">644</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(7.5)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;109 &nbsp;</font></font></p>
  </td>
 <td valign=top width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">111</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1.9)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;9 &nbsp;</font></font></p>
  </td>
 <td valign=top width=16% style="height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m.(2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;- &nbsp;</font></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;2,989 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,876</font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3.9</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1,683)&nbsp;</font></font></p>
  </td>
 <td valign=top width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,664)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1.2</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(178)&nbsp;</font></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(187)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(4.6)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (3)</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;1,129 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,026</font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10.0</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td valign=top width=15% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(225)&nbsp;</font></font></p>
  </td>
 <td valign=top width=16% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(241)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(6.8)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;16 &nbsp;</font></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(36)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m.(2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;920 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">749</font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">22.8</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(185)&nbsp;</font></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(263)</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(29.8)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;736 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">486</font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">51.2</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;736 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">486</font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">51.2</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;- &nbsp;</font></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;736 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">486</font></b></font></p>
  </td>
 <td nowrap valign=top width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">51.2</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1) &#160;Comprises the following
income statement line items contained in the Consolidated Financial Statements:
&#8220;Gains (losses) on derecognition of financial assets and liabilities not
measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on
financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on
non-trading financial assets mandatorily at fair value through profit or loss,
net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair
value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221;
and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp; &nbsp;Not meaningful.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3) &#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221;
less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;. </font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">In the year ended December 31,
2018 the U.S. dollar depreciated 4.3% against the euro in average terms,
resulting in a negative exchange rate effect on our consolidated income
statement for the year ended December 31, 2017 and in the results of operations
of the United States operating segment for such period expressed in euros.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">22</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this operating segment for the year ended
December 31, 2018 amounted to &#8364;2,276 million, a 7.4% increase compared with the
&#8364;2,119 million recorded for the year ended December 31, 2017, due mainly to
higher interest rates (as a result of the Federal Reserve Board benchmark
interest rate increases) and to measures adopted by BBVA Compass to improve
loan yields and contain the increase in the cost of deposits (including an
improved deposit mix and wholesale funding), partially offset by the depreciation
of the U.S. dollar against the euro and the higher levels of interest on
deposits and interest on FHLB and other borrowings. The net interest margin
over total average assets of this operating segment amounted to 2.96% for the
year ended December 31, 2018.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of this operating segment for the year
ended December 31, 2018 amounted to &#8364;596 million, a 7.5% decrease compared with
the &#8364;644 million recorded for the year ended December 31, 2017, mainly as a
result of the depreciation of the U.S. dollar against the euro and the decrease
in investment banking and advisory fees.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains (losses) on financial assets and liabilities and
exchange differences, net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains (losses) on financial assets and liabilities and
exchange differences of this operating segment for the year ended December 31,
2018 was a net gain of &#8364;109 million, a 1.9% decrease compared with the &#8364;111
million gain recorded for the year ended December 31, 2017, mainly as a result
of the depreciation of the U.S. dollar against the euro, which was partially
offset by trading gains from bonds and foreign exchange transactions.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other net operating income of this operating segment for the year
ended December 31, 2018 was &#8364;9 million, compared with the &#8364;2 million net
expense recorded for the year ended December 31, 2017. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this operating segment for the year ended
December 31, 2018 amounted to &#8364;1,683 million, a 1.2% increase compared with the
&#8364;1,664 million recorded for the year ended December 31, 2017, mainly due to an
increase in technology and systems expense and advertising expense, partially
offset by the depreciation of the U.S. dollar against the euro.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification of
this operating segment for the year ended December 31, 2018 was a &#8364;225 million
expense, a 6.8% decrease compared with the &#8364;241 million expense recorded for
the year ended December 31, 2017, mainly as a result of the lower allowances
for loan losses in those portfolios affected by the 2017 hurricanes and, to a
lesser extent, the depreciation of the U.S. dollar against the euro.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating profit/ (loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing, operating profit before tax of this
operating segment for the year ended December 31, 2018 was &#8364;920 million, a 22.8%
increase compared with the &#8364;749 million of operating profit recorded for the
year ended December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense or income related to profit or loss from continuing
operations</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit
from continuing operations of this operating segment for the year ended
December 31, 2018 was &#8364;185 million, a 29.8% decrease compared with the &#8364;263
million expense recorded for the year ended December 31, 2017. Tax expense
amounted to 20.1% of operating profit before tax for the year ended December
31, 2018, compared with 35.1% for the year ended December 31, 2017, due to the
reduction in the effective tax rate following the tax reform approved in 2017.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">23</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit attributable to
parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
profit attributable to parent company of this operating segment for the year
ended December 31, 2018 amounted to &#8364;736 million, a 51.2% increase compared
with the &#8364;486 million recorded for the year ended December 31, 2017.</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=ES style="font-size:10.0pt;line-height:normal;">MEXICO</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=29% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2018</font></u></b></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=29% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=13% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;5,568 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,476</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1.7</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;1,205 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,219</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1.2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;223 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">249</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(10.4)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(236)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(239)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1.2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;433 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">416</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4.1</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;7,193 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7,122</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1.0</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(2,139)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2,220)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3.6)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(253)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(256)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1.3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (2)</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;4,800 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,646</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3.3</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td valign=top width=14% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1,555)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,651)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(5.8)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;24 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(35)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m(3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;3,269 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,960</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10.5</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(901)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(789)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">14.2</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;2,368 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,170</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.1</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;2,368&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,170</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.1</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;2,367 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,170</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.1</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&nbsp;&nbsp; Comprises the
following income statement line items contained in the Consolidated Financial Statements:
&#8220;Gains (losses) on derecognition of financial assets and liabilities not
measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on
financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on
non-trading financial assets mandatorily at fair value through profit or loss,
net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair
value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221;
and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2) &nbsp;&nbsp;&#8220;Net margin before provisions&#8221; is calculated as
&#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3)&nbsp;&nbsp; Not meaningful.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">In the year ended December 31, 2018, the Mexican peso depreciated
6.1% against the euro in average terms, resulting in a negative exchange rate
effect on our consolidated income statement for the year ended December 31,
2018 and in the results of operations of the Mexico operating segment for such
period expressed in euros.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this operating segment for the year ended
December 31, 2018 amounted to &#8364;5,568 million, a 1.7% increase compared with the
&#8364;5,476 million recorded for the year ended December 31, 2017, and an 8.2%
increase excluding the negative exchange rate effect, which was mainly as a
result of an increase in the average volume of loans and advances to customers.
The net interest margin over total average assets of this operating segment
amounted to 5.81% for 2018.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">24</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of this operating segment for the year
ended December 31, 2018 amounted to &#8364;1,205 million, a 1.2% decrease compared
with the &#8364;1,219 million recorded for the year ended December 31, 2017, mainly
as a result of the depreciation of the Mexican peso against the euro. At a
constant exchange rate, there was a 5.1% increase mainly as a result of
increased activity in mutual funds, as well as a higher volume of transactions
with on-line banking and credit card customers.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
gains (losses) on financial assets and liabilities and exchange differences,
net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets and liabilities and exchange
differences of this operating segment for the year ended December 31, 2018 were
&#8364;223 million, a 10.4% decrease compared with the &#8364;249 million gain recorded for
the year ended December 31, 2017, mainly as a result of the weaker performance
of the Global Markets unit during 2018.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other
operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other operating income and expense, net of this operating segment
for the year ended December 31, 2018 was a net expense of &#8364;236 million, a 1.2%
decrease compared with the &#8364;239 million net expense recorded for the year ended
December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Income
and expense on insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net income on insurance and reinsurance contracts of this
operating segment for the year ended December 31, 2018 was &#8364;433 million, a 4.1%
increase compared with the &#8364;416 million net income recorded for the year ended
December 31, 2017, mainly as a result of the income derived from collective
insurance policies.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration
costs</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this operating segment for the year ended
December 31, 2018 were &#8364;2,139 million, a 3.6% decrease compared with the &#8364;2,220
million recorded for the year ended December 31, 2017, mainly as a result of
the depreciation of the Mexican peso against the euro. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment
or reversal of impairment on financial assets not measured at fair value
through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification of
this operating segment for the year ended December 31, 2018 was a &#8364;1,555
million expense, a 5.8% decrease compared with the &#8364;1,651 million expense
recorded for the year ended December 31, 2017. At a constant exchange rate,
there was a 0.2% increase in impairment losses on financial assets.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating
profit/ (loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the
foregoing, operating profit before tax of this operating segment for the year
ended December 31, 2018 was &#8364;3,269 million, a 10.5% increase compared with the
&#8364;2,960 million of operating profit recorded for the year ended December 31,
2017. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax
expense or income related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit from continuing operations of this
operating segment for the year ended December 31, 2018 was &#8364;901 million, a 14.2%
increase compared with the &#8364;789 million expense recorded for the year ended
December 31, 2017, mainly as a result of the higher operating profit before
tax. Consequently, the tax expense amounted to 27.6% of operating profit before
tax for the year ended December 31, 2018, and 26.7% for the year ended December
31, 2017.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">25</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_26"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit attributable to parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
profit attributable to parent company of this operating segment for the year
ended December 31, 2018 amounted to &#8364;2,367 million, a 9.1% increase compared
with the &#8364;2,170 million recorded for the year ended December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">TURKEY</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">From July 2015 to March 2017, we held 39.90% of Garanti&#8217;s share
capital and, on March 22, 2017, we completed the acquisition of an additional
9.95% stake in Garanti, increasing our total holding of Garanti&#8217;s share capital
to 49.85%. See &#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Item 4. Information on the Company&#8212;History and Development
of the Company&#8212;Capital expenditures&#8212;2017&#8221; in the 2018 Form 20-F.</font></i></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=29% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2018</font></u></b></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=29% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=13% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;3,135 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,331</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(5.9)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees and
  commissions</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;686 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">703</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2.4)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;11 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(24.2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;23 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m.(2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;46 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(25.9)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;3,901 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,115</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(5.2)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1,109)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,329)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(16.6)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(138)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(178)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(22.4)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (3)</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;2,654 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,608</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1.8</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td valign=top width=14% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1,202)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(453)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m.(2)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(8)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(33.7)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;1,444 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,143</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(32.6)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(293)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(425)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(31.1)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;1,151 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,718</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(33.0)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from
  corporate operations, net</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;1,151 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,718</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(33.0)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(585)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(895)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(34.6)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;567 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">823</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(31.1)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&nbsp; Comprises the
following income statement line items contained in the Consolidated Financial
Statements: &#8220;Gains (losses) on derecognition of financial assets and
liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains
(losses) on non-trading financial assets mandatorily at fair value through
profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities
designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from
hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp;&nbsp; Not meaningful.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3)&nbsp; &#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross
income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:9.35pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The Turkish lira depreciated 27.8% against the euro in average
terms the year ended December 31, 2018, resulting in a negative exchange rate
effect on our consolidated income statement for the year ended December 31,
2018 and in the results of operations of the Turkey operating segment for such
period expressed in euros.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">26</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this operating segment for the year ended
December 31, 2018 amounted to &#8364;3,135 million, a 5.9% decrease compared with the
&#8364;3,331 million recorded for the year ended December 31, 2017, mainly as a
result of the depreciation of the Turkish lira. At a constant exchange rate,
there was a 30.3% increase in net interest income, mainly as a result of higher
income from inflation-linked bonds. The net interest margin over total average
assets of this operating segment amounted to 4.35% for the year ended December
31, 2018.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of this operating segment for the year
ended December 31, 2018 amounted to &#8364;686 million, a 2.4% decrease compared with
the &#8364;703 million recorded for the year ended December 31, 2017, mainly as a
result of the depreciation of the Turkish lira which more than offset the
overall growth in net fees and commissions, on a constant exchange rate basis,
mainly related to payment systems, advances, money transfers and other commissions.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
gains (losses) on financial assets and liabilities and exchange differences,
net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets and liabilities and exchange
differences of this operating segment for the year ended December 31, 2018 were
&#8364;11 million, a 24.2% decrease compared with the &#8364;14 million gain recorded for
the year ended December 31, 2017, mainly as a result of the depreciation of the
Turkish lira against the euro, which offset the positive performance of global
markets, asset and liabilities management and derivatives.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other
operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other net operating income of this operating segment for the year
ended December 31, 2018 was &#8364;23 million, compared with the &#8364;5 million of net
expense recorded for the year ended December 31, 2017, mainly as a result of
the lower contribution to the Deposit Guarantee Fund.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Income
and expense on insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net income on insurance and
reinsurance contracts of this operating segment for the year ended December 31,
2018 was &#8364;46 million, a 25.9% decrease compared with the &#8364;62 million income
recorded for the year ended December 31, 2017, mainly as a result of the depreciation
of the Turkish lira.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration
costs</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this operating segment for the year ended
December 31, 2018 amounted to &#8364;1,109 million, a 16.6% decrease compared with
the &#8364;1,329 million recorded for the year ended December 31, 2017, mainly as a
result of the depreciation of the Turkish lira, partially offset by the impact
of inflation in 2018. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment
or reversal of impairment on financial assets not measured at fair value
through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification of
this operating segment for the year ended December 31, 2018 was a &#8364;1,202
million expense, compared with the &#8364;453 million expense recorded for the year
ended December 31, 2017, mainly as a result of the deterioration of the
wholesale-customer portfolio and the adverse macroeconomic scenario. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating
profit/(loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing, operating profit before tax of this
operating segment for the year ended December 31, 2018 was &#8364;1,444 million, a 32.6%
decrease compared with the &#8364;2,143 million of operating profit recorded for the
year ended December 31, 2017.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">27</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense or income related to profit or loss from continuing
operations</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit from continuing operations of this
operating segment for the year ended December 31, 2018 was &#8364;293 million, a 31.1%
decrease compared with the &#8364;425 million expense recorded for the year ended
December 31, 2017. Consequently, the effective tax rate amounted to 20.3% of
operating profit before tax for the year ended December 31, 2018, and 19.8% for
the year ended December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to non-controlling interests</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit attributable to non-controlling interests of this operating
segment for the year ended December 31, 2018 amounted to &#8364;585 million, a 34.6%
decrease compared with the &#8364;895 million recorded for the or the year ended
December 31, 2017 mainly as a result of the depreciation of the Turkish lira
against the euro and our acquisition of an additional 9.95% stake in Garanti on
March 22, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing, profit attributable to parent
company of this operating segment for the year ended December 31, 2018 amounted
to &#8364;567 million, a 31.1% decrease compared with the &#8364;823 million recorded for
the year ended December 31, 2017 mainly as a result of the depreciation of the
Turkish lira against the euro, offset in part by our acquisition of an
additional 9.95% stake in Garanti on March 22, 2017. </font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">28</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">SOUTH AMERICA</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=30% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2018</font></u></b></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=30% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=12% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;3,009 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,200</font></b></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(6.0)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;631 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">713</font></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(11.4)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;405 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">480</font></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(15.7)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(454)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(113)</font></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m.(2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;110 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">172</font></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(36.0)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;3,701 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,451</font></b></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(16.9)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1,584)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,906)</font></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(16.9)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(125)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(121)</font></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3.2</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (3)</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;1,992 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,424</font></b></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(17.8)</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td valign=top width=15% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(638)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(650)</font></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1.9)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(65)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(103)</font></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(36.3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;1,288 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,671</font></b></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(22.9)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax expense
  or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(469)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(480)</font></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2.3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;819 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,192</font></b></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(31.2)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;-&#160;&#160; &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;819 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,192</font></b></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(31.2)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(241)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(345)</font></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(29.9)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;578 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">847</font></b></font></p>
  </td>
 <td nowrap valign=top width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(31.8)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&nbsp; Comprises the
following income statement line items contained in the Consolidated Financial
Statements: &#8220;Gains (losses) on derecognition of financial assets and
liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains
(losses) on non-trading financial assets mandatorily at fair value through
profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities
designated at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) from
hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp;&nbsp; Not meaningful.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3)&nbsp; &#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross
income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">In the year ended December 31,
2018, the Argentine peso depreciated 56.7% against the euro in average terms,
compared with the year ended December 31, 2017. In addition, the Chilean peso,
Colombian peso and Peruvian new sol also depreciated in average terms against
the euro compared with the year ended December 31, 2017, by 3.2%, 4.3% and
5.1%, respectively. As a result, changes in exchange rates resulted in a
negative impact on the results of operations of the South America operating
segment for the year ended December 31, 2018&nbsp; expressed in euros.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:9.35pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">At the year-end 2018, the Argentinian economy was considered to be
hyperinflationary as defined by IAS 29 (see Note 2.2.20 to our Consolidated
Financial Statements). The negative impact of accounting for hyperinflation in
Argentina in the net attributable profit of this operating segment was &#8364;266
million.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:18.0pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">In addition, on July 6, 2018 we completed the sale of our 68.19%
stake in BBVA Chile. See </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8220;Item 4. Information on the Company&#8212;History and
Development of the Company&#8212;Capital Divestitures&#8212;2018&#8221; in the 2018 Form 20-F.</font></i></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">29</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this operating segment for the year ended
December 31, 2018 amounted to &#8364;3,009 million, a 6.0% decrease compared with the
&#8364;3,200 million recorded for the year ended December 31, 2017, mainly as a
result of the depreciation of the currencies of the region against the euro. At
constant exchange rates, there was a 12.8% increase mainly as a result of the
growth in the average volume of and in the yield on interest-earning assets,
which more than offset the impact of the sale of BBVA Chile. The net interest
margin over total average assets of this operating segment amounted to 4.65%
for the year ended December 31, 2018.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of this operating segment for the year ended
December 31, 2018 amounted to &#8364;631 million, a 11.4% decrease compared with the
&#8364;713 million recorded for the year ended December 31, 2017, mainly as a result
of the depreciation of the currencies of the region against the euro. At a
constant exchange rate, there was a 10.9% increase mainly as a result of an
increase in credit and debit card commissions, which more than offset the
impact of the sale of BBVA Chile.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
gains (losses) on financial assets and liabilities and exchange differences,
net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets and liabilities and exchange
differences of this operating segment for the year ended December 31, 2018 were
&#8364;405 million, a 15.7% decrease compared with the &#8364;480 million gain recorded for
the year ended December 31, 2017, mainly as a result of the depreciation of the
currencies of the region against the euro. At a constant exchange rate, there
was a 5.2% increase mainly as a result of foreign-currency operations.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other
operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other net operating expense of this operating segment for the year
ended December 31, 2018 was &#8364;454 million, compared with the &#8364;113 million
expense recorded for the year ended December 31, 2017, mainly as a result of
the recording of the adjustment for hyperinflation in Argentina.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Income
and expense on insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net income on insurance and reinsurance contracts of this
operating segment for the year ended December 31, 2018 was &#8364;110 million, a
36.0% decrease compared with the &#8364;172 million net income recorded for the year
ended December 31, 2017, mainly as a result of the depreciation of the
currencies of the region against the euro. At constant exchange rates, there
was a 5.4% decrease mainly as a result of the sale of the insurance business in
Chile.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration
costs</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this operating segment for the year ended
December 31, 2018 amounted to &#8364;1,584 million, a 16.9% decrease compared with
the &#8364;1,906 million recorded for the year ended December 31, 2017, mainly as a
result of the depreciation of the currencies of the region against the euro and
the sale of BBVA Chile partially offset by the impact of the high inflation
registered in some countries of the region.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Depreciation
and amortization</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Depreciation and amortization for the year ended December 31, 2018
was &#8364;125 million, a 3.2% increase compared with the &#8364;121 million recorded for
the year ended December 31, 2017 mainly as a result of higher expense related
to software in Peru.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment
or reversal of impairment on financial assets not measured at fair value
through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification of
this operating segment for the year ended December 31, 2018 was a &#8364;638 million
expense, a 1.9% decrease compared with the &#8364;650 million expense recorded for
the year ended December 31, 2017, mainly as a result of the depreciation of
currencies in the region against the euro, which more than offset </font><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">the increase in impaired </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">assets&nbsp;</font><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;"> due to the increase in the size of the loan portfolio and
the deterioration in credit quality</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">.&nbsp;&nbsp;</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">30</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions or reversal of provisions</font></i></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;"> &nbsp;</font><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">and other results</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions</font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;"> or reversal of
provisions and other results of this operating segment for the year ended
December 31, 2018 were a &#8364;65 million expense, a 36.3% decrease compared with
the &#8364;103 million expense recorded for the year ended December 31, 2017, mainly
as a result of the depreciation of currencies in the region against the
euro.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating
profit/ (loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing, operating profit before tax of this
operating segment for the year ended December 31, 2018 was &#8364;1,288 million, a 22.9%
decrease compared with the &#8364;1,671 million of operating profit recorded for the
year ended December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax
expense or income related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit from continuing operations of this
operating segment for the year ended December 31, 2018 was &#8364;469 million, a 2.3%
decrease compared with the &#8364;480 million expense recorded for the year ended
December 31, 2017, mainly as a result of the lower operating profit before tax.
Consequently, the effective tax rate amounted to 36.4% of operating profit
before tax for the year ended December 31, 2018, and 28.7% for the year ended
December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to non-controlling interests</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit attributable to non-controlling interests of this operating
segment for the year ended December 31, 2018 amounted to &#8364;241 million, a 29.9%
decrease compared with the &#8364;345 million recorded for the year ended December
31, 2017, mainly as a result of the depreciation of currencies in the region
against the euro and the sale of BBVA Chile (which had minority interests),
offset in part by the impact of accounting for hyperinflation in Argentina.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
profit attributable to parent company of this operating segment for the year
ended December 31, 2018 amounted to &#8364;578 million, a 31.8% decrease compared
with the &#8364;847 million recorded for the year ended December 31, 2017 affected by
the accounting of hyperinflation in Argentina (which detracted &#8364;266 million
from profit attributable to parent company), the depreciation of currencies in
the region against the euro and the sale of BBVA Chile.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">31</font></font></p>


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<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">REST
OF EURASIA</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=28% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2018</font></u></b></font></p>
  </td>
 <td valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=28% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=14% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;175 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">180</font></b></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2.7)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;138 &nbsp;</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">164</font></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(15.9)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;101 &nbsp;</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">123</font></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(17.3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;- &nbsp;</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m.(2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;- &nbsp;</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;414 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">468</font></b></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(11.4)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(281)&nbsp;</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(293)</font></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(4.2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(6)&nbsp;</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(44.2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (3)</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;127 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">164</font></b></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(22.2)</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td valign=top width=14% style="height:24.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;24 &nbsp;</font></font></p>
  </td>
 <td valign=top width=14% style="height:24.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4.0</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(3)&nbsp;</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(40.4)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;148 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">181</font></b></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(18.3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(52)&nbsp;</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(53)</font></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2.7)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;96 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(24.8)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;- &nbsp;</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;96 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(24.8)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;- &nbsp;</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;96 &nbsp;</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td nowrap valign=top width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(24.8)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&#160;&#160; Comprises the following
income statement line items contained in the Consolidated Financial Statements:
&#8220;Gains (losses) on derecognition of financial assets and liabilities not
measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on
financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on
non-trading financial assets mandatorily at fair value through profit or loss,
net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair
value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221;
and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&#160;&#160; Not meaningful.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3) &#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221;
less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this
operating segment for the year ended December 31, 2018 amounted to &#8364;175
million, a 2.7% decrease compared with the &#8364;180 million recorded for the year
ended December 31, 2017, mainly as a result of a weaker performance of the
Global Finance unit in Asia, particularly Corporate and Investment Banking
(C&amp;IB), partially offset by the performance of the Global Trade unit in
Asia.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of
this operating segment for the year ended December 31, 2018 amounted to &#8364;138
million, a 15.9% decrease compared with the &#8364;164 million recorded for the year
ended December 31, 2017, mainly as a result of lower commissions in the branch
network in Europe.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">32</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains (losses) on financial assets and liabilities and
exchange differences, net</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets
and liabilities and exchange differences of this operating segment for the year
ended December 31, 2018 were &#8364;101 million, a 17.3% decrease compared with the
&#8364;123 million net gain recorded for the year ended December 31, 2017, mainly as
a result of the weaker performance of the Global Markets unit in Europe.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration
costs</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this
operating segment for the year ended December 31, 2018 amounted to &#8364;281
million, a 4.2% decrease compared with the &#8364;293 million recorded for the year
ended December 31, 2017, mainly as a result of the expense reduction efforts in
the Corporate and Investment Banking (C&amp;IB) unit and the Global Markets
unit in Europe.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment
or reversal of impairment on financial assets not measured at fair value
through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of
impairment on financial assets not measured at fair value through profit or loss
or net gains by modification of this operating segment for the year ended
December 31, 2018 amounted to income of &#8364;24 million, a 4.0% increase compared
with the &#8364;23 million income recorded for the year ended December 31, 2017,
mainly as a result of the lower loan loss provisions in Europe.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating
profit/(loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
operating profit before tax of this operating segment for the year ended
December 31, 2018 was &#8364;148 million, an 18.3% decrease compared with the &#8364;181
million of operating profit recorded for the year ended December 31, 2017</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax
expense or income related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit
from continuing operations of this operating segment for the year ended
December 31, 2018 was &#8364;52 million, a 2.7% decrease compared with the &#8364;53
million expense recorded for the year ended December 31, 2017. Consequently,
the effective tax rate amounted to 35.1% of operating profit before tax for the
year ended December 31, 2018, and 29.5% for the year ended December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
profit attributable to parent company of this operating segment for the year
ended December 31, 2018 amounted to &#8364;96 million, a 24.8% decrease compared with
the &#8364;128 million recorded for the year ended December 31, 2017.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">33</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CORPORATE
CENTER</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=29% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2018</font></u></b></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=29% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=13% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(269)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(357)</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(24.7)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(59)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(86)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(32.1)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(155)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">436</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m.(2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;82 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">101</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(19.0)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(19)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1.1)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(420)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">74</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m.(2)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td valign=top width=14% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(672)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(556)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">20.8</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(200)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(282)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(29.2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (3)</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1,291)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(764)</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">69.0</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td valign=top width=14% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(2)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,125)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m.(2)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(36)&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(73)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(50.6)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1,329)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,962)</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(32.2)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax expense
  or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;274 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">151</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">81.6</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations excluding corporate operations</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1,055)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,811)</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(41.7)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net </font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;633&nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m.(2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(422)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,811)</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(76.7)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;3 &nbsp;</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m.(2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=top width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(419)&nbsp;</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,812)</font></b></font></p>
  </td>
 <td nowrap valign=top width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(76.9)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&#160;&#160; Comprises the following
income statement line items contained in the Consolidated Financial Statements:
&#8220;Gains (losses) on derecognition of financial assets and liabilities not
measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on
financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on
non-trading financial assets mandatorily at fair value through profit or loss,
net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair
value through profit or loss, net&#8221;, &#8220;Gains (losses) from hedge accounting, net&#8221;
and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&#160;&#160; Not meaningful.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3) &#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221;
less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
interest income / (expense)</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest expense of this
operating segment for the year ended December 31, 2018 was &#8364;269 million, a 24.7%
decrease compared with the &#8364;357 million net expense recorded for the year ended
December 31, 2017, mainly as a result of the lower cost of funding and the
evolution of interest rates.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of
this operating segment for the year ended December 31, 2018 was an expense of
&#8364;59 million, a 32.1% decrease compared with an expense of &#8364;86 million expense
recorded for the year ended December 31, 2017, mainly as a result of the lower
commissions paid in 2018 for cross-selling agreements.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
gains (losses) on financial assets and liabilities and exchange differences,
net</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net losses on financial assets
and liabilities and exchange differences of this operating segment for the year
ended December 31, 2018 were &#8364;155 million, compared with the &#8364;436 million gain
recorded for the year ended December 31, 2017, which was principally due to the
sale of a 2.14% stake in CNCB in 2017.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">34</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this
operating segment for the year ended December 31, 2018 amounted to &#8364;672
million, a 20.8% increase compared with the &#8364;556 million recorded for the year
ended December 31, 2017, mainly as a result of an increase in IT for the
development of new capabilities, cybersecurity and process reengineering.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment
or reversal of impairment on financial assets not measured at fair value
through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of
impairment on financial assets not measured at fair value through profit or
loss or net gains by modification of this operating segment for the year ended
December 31, 2018 amounted to a &#8364;2 million expense, compared with the &#8364;1,125
million expense recorded for the year ended December 31, 2017, which related
mainly to the recognition of impairment losses of &#8364;1,123 million in connection
with BBVA&#8217;s stake in Telef&#243;nica, S.A. in such year.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions
or reversal of provisions and other results</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions or reversal of
provisions and other results of this operating segment for the year ended
December 31, 2018 were a &#8364;36 million expense, a 50.6% decrease compared with
the &#8364;73 million expense recorded for the year ended December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating
profit/ (loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
operating loss before tax of this operating segment for the year ended December
31, 2018 was &#8364;1,329 million, a 32.2% decrease compared with the &#8364;1,962 million
loss recorded for the year ended December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax
expense or income related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax income related to loss
from continuing operations of this operating segment for the year ended
December 31, 2018 amounted to &#8364;274 million, compared with the &#8364;151 million
income recorded for the year ended December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
profit attributable to parent company of this operating segment for the year
ended December 31, 2018 was a loss of &#8364;419 million, compared with the &#8364;1,812
million loss recorded for the year ended December 31, 2017, mainly as a result
of capital gains (net of taxes) originated by the sale of BBVA Chile, which
amounted to &#8364;633 million.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">35</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Results
of Operations by Operating Segment for 2017 Compared with 2016</font></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;text-indent:-8.5pt;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">SPAIN</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=33% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31, </font></b></font></p>
  </td>
 <td width=9% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2016</font></u></b></font></p>
  </td>
 <td width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:37.5pt;">
  <td width=58% style="height:37.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=33% style="height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=9% style="height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,810 </font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,937</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3.2)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,563 </font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,482</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5.5</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">555 </font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">783</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(29.1)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(204)</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(191)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6.5</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">438 </font></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">400</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.6</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,162</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,410</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3.9)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3,145)</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3,342)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(5.9)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(352)</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(369)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(4.6)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (2)</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,665</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,699</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1.3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=58% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td nowrap width=17% style="height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(705)</font></font></p>
  </td>
 <td nowrap width=16% style="height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(901)</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(21.7)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(771)</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,279)</font></font></p>
  </td>
 <td nowrap width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(39.7)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,189 </font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">519</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">129.0</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(309)</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(211)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">46.8</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">879</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">308</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">185.2</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 47.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0pt;margin-right:19.5pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">879</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">308</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">185.2</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(40.2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">877 </font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">305</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">187.5</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&nbsp;&nbsp; Comprises the
following income statement line items contained in the Consolidated Financial
Statements: &#8220;Gains (losses) on derecognition of financial assets and
liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains
(losses) on non-trading financial assets mandatorily at fair value through
profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities
designated at fair value through profit or loss, net&#8221;,&nbsp; &#8220;Gains (losses)
from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2) &#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross income&#8221;
less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this
operating segment for the year ended December 31, 2017 amounted to &#8364;3,810
million, a 3.2% decrease compared with the &#8364;3,937 million recorded for the year
ended December 31, 2016, mainly as a result of a decrease in the average volume
of interest-earning assets, particularly in the securities portfolio and
derivatives as a result of the sale of certain wholesales portfolios and, to a
lesser extent, lower average loans and advances to customers, partially offset
by the lower funding cost of interest-bearing liabilities.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of
this operating segment for the year ended December 31, 2017 amounted to &#8364;1,563
million, a 5.5% increase compared with the &#8364;1,482 million recorded for the year
ended December 31, 2016, mainly as a result of an increase in securities fees
due to increased activity in our wholesale businesses and growth in mutual
funds driven primarily by higher share prices.</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">36</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_37"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains (losses) on
financial assets and liabilities and exchange differences, net</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets
and liabilities and exchange differences of this operating segment for the year
ended December 31, 2017 was a net gain of &#8364;555 million, a 29.1% decrease
compared with the &#8364;783 million recorded for the year ended December 31, 2016,
mainly as a result of lower sales of ALCO (Assets and Liabilities Committee)
portfolios. The gain in the prior period was also partially due to the gains
from the sale of our stake in VISA Europe, Ltd. recorded in the second quarter
of 2016.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other net operating expense of this operating segment for the year
ended December 31, 2017 were &#8364;204 million, a 6.5% increase compared with the
&#8364;191 million of net expense recorded for the year ended December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Income and expense on insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net income on insurance and
reinsurance contracts of this operating segment for the year ended December 31,
2017 was &#8364;438 million, a 9.6% increase compared with the &#8364;400 million net
income recorded for the year ended December 31, 2016, mainly as a result of the
lower claims ratio and new contract origination.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this operating segment for the year ended
December 31, 2017 amounted to an expense of &#8364;3,145 million, a 5.9% decrease
compared with the &#8364;3,342 million recorded for the year ended December 31, 2016,
mainly as a result of decreases in wages and salaries, rent expense (due to a
reduction in the number of branches), IT expense and third-party services
expense. Administration costs decreased for the six consecutive quarters ended
December 31, 2017 due to the synergies related to the integration of Catalunya
Bank and the implementation of efficiency plans.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of
impairment on financial assets not measured at fair value through profit or
loss or net gains by modification of this operating segment for the year ended
December 31, 2017 amounted to a &#8364;705 million expense, a 21.7% decrease compared
with the &#8364;901 million expense recorded for the year ended December 31, 2016,
mainly as a result of decreased impaired assets due to the improvement of
credit quality, partially offset by the increase in the size of the loan
portfolio by year-end. The non-performing asset ratio of this operating segment
as of December 31, 2017 was 6.8% compared with 8.3% as of December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions or reversal of provisions and other results</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions or reversal of
provisions and other results of this operating segment for the year ended
December 31, 2017 were a &#8364;771 million expense, a 39.7% decrease compared with
the &#8364;1,279 million expense recorded for the year ended December 31, 2016.
Provisions recorded in 2016 were adversely affected by provisioning related to
the invalidity of clauses limiting interest rates in certain mortgage loans
with customers (referred to as &#8220;floor&#8221; clauses).&nbsp; BBVA made additional
provisions during 2017 to cover possible contingencies and claims in connection
with this matter in amounts that BBVA considers not significant.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating profit/ (loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
operating profit before tax of this operating segment for the year ended
December 31, 2017 was &#8364;1,189 million, a 129.0% increase compared with the &#8364;519
million recorded for the year ended December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense or income related to profit or loss from continuing
operations</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit
from continuing operations of this operating segment for the year ended
December 31, 2017 was an expense of &#8364;309 million, a 46.8% increase compared
with the &#8364;211 million expense recorded for the year ended December 31, 2016
mainly as a result of the higher operating profit before tax. The tax expense
amounted to 26.0% of operating profit before tax for the year ended December
31, 2017, and 40.6% for the year ended December 31, 2016.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">37</font></font></p>


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<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit attributable to
parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
profit attributable to parent company of this operating segment for the year
ended December 31, 2017 amounted to &#8364;877 million, a 187.5% increase compared
with the &#8364;305 million recorded for the year ended December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">UNITED STATES</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2016</font></u></b></font></p>
  </td>
 <td valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=11% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,119</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,923</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10.2</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">644</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">635</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1.4</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">111</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">141</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(21.6)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m. </font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;&#160; -</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,876</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,673</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7.6</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,664)</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,643)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1.3</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(187)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(190)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1.9)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (3)</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,026</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">840</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">22.2</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td valign=top width=15% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(241)</font></font></p>
  </td>
 <td width=16% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(221)</font></font></p>
  </td>
 <td nowrap width=11% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.1</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(36)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(30)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">19.2</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">749</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">589</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">27.3</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(263)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(146)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">79.8</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">486</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">442</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.9</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;&#160; -</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">486</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">442</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.9</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;&#160;&#160; -</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">486</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">442</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.9</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&nbsp;&nbsp;Comprises the following
income statement line items contained in the Consolidated Financial Statements:
&#8220;Gains (losses) on derecognition of financial assets and liabilities not
measured at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on
financial assets and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on
non-trading financial assets mandatorily at fair value through profit or loss,
net&#8221;, &#8220;Gains (losses) on financial assets and liabilities designated at fair
value through profit or loss, net&#8221;,&nbsp; &#8220;Gains (losses) from hedge
accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp;Not meaningful.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3)&nbsp;&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross
income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">In 2017 the U.S. dollar depreciated 2.0% against the euro in
average terms, resulting in a negative exchange rate effect on our consolidated
income statement and in the results of operations of the United States
operating segment for the year ended December 31, 2017 expressed in euros. See
&#8220;Item 5. Operating and Financial Review and Prospects&#8213;A. Operating
Results&#8213;Factors Affecting the Comparability of our Results of Operations
and Financial Condition&#8213;Trends in Exchange Rates&#8221; in the 2018 Form 20-F. </font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">38</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this operating segment for the year ended
December 31, 2017 amounted to &#8364;2,119 million, a 10.2% increase compared with
the &#8364;1,923 million recorded for the year ended December 31, 2016, mainly as a
result of higher interest rates (including as a result of the impact of the
Federal Reserve Board benchmark interest rate increases), particularly related
to loans and advances to customers, and, to a lesser extent, securities
portfolio and derivatives, partially offset by the effect of higher interests
on deposits, particularly from Federal Home Loan Banks. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of this operating segment for the year
ended December 31, 2017 amounted to &#8364;644 million, a 1.4% increase compared with
the &#8364;635 million recorded for the year ended December 31, 2016, mainly as a
result of an&#160; increase in commissions, particularly in credit and debit card
commissions.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains (losses) on financial assets and liabilities and
exchange differences, net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets and liabilities and exchange
differences of this operating segment for the year ended December 31, 2017 amounted
to &#8364;111 million, a 21.6% decrease compared with the &#8364;141 million gain recorded
for the year ended December 31, 2016, mainly as a result of lower sales of ALCO
(Assets and Liabilities Committee) securities and mortgage portfolios.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other net operating income of this operating segment for the year
ended December 31, 2017 was &#8364;2 million, compared with the &#8364;27 million of net
expense recorded for the year ended December 31, 2016, mainly as a result of
the lower contribution made to the Deposit Guarantee Fund. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this operating segment for the year ended
December 31, 2017 amounted to &#8364;1,664 million, a 1.3% increase compared with the
&#8364;1,643 million recorded for the year ended December 31, 2016, mainly as a
result of increases in general and administrative expense, particularly IT,
consulting and marketing expense, and, to a lesser extent, an increase in
personnel expense.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by
modification&nbsp; of this operating segment for the year ended December 31,
2017 was a &#8364;241 million expense, a 9.1% increase compared with the &#8364;221 million
expense recorded for the year ended December 31, 2016, mainly as a result of
the impact of additional allowances for loan losses related to the impact of
hurricanes Harvey and Irma, and higher loan-loss provisioning related to
consumer portfolios, partially offset by decreased impaired assets due to an
improvement in the credit quality indicators of energy loans during 2017. The
non-performing asset ratio of this operating segment as of December 31, 2017
was 1.2%, compared with 1.5% as of December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating profit/ (loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing, operating profit before tax of this
operating segment for the year ended December 31, 2017 was &#8364;749 million, a 27.3%
increase compared with the &#8364;589 million of operating profit recorded for the
year ended December 31, 2016.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">39</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense or income
related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit from continuing operations of this
operating segment for the year ended December 31, 2017 was &#8364;263 million, an
79.8% increase compared with the &#8364;146 million expense recorded for the year
ended December 31, 2016, mainly as a result of the higher operating profit before
tax and the impact of the remeasurement of deferred tax assets and liabilities
due to the impact of the Tax Cuts and Jobs Act signed into law on December 22,
2017 (pursuant to which the corporate tax rate was also reduced). Consequently,
tax expense amounted to 35.1% of operating profit before tax for the year ended
December 31, 2017, compared with 24.8% for the year ended December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit attributable to parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
profit attributable to parent company of this operating segment for the year
ended December 31, 2017 amounted to &#8364;486 million, a 9.9% increase compared with
the &#8364;442 million recorded for the year ended December 31, 2016. </font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=ES style="font-size:10.0pt;line-height:normal;">MEXICO</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2016</font></u></b></font></p>
  </td>
 <td valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=11% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,476</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5,155</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6.2</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees and commissions</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,219</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,152</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5.9</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains (losses) on financial assets and
  liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">249</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">222</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">12.3</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other operating income and expense, net</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(239)</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(236)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1.1</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and expense on insurance and reinsurance
  contracts</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">416</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">507</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(17.8)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7,122</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6,799</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4.8</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration costs</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2,220)</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2,181)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1.8</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation and amortization</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(256)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(247)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3.8</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions
  (2)</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,646</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,371</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6.3</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment or reversal of impairment on financial
  assets not measured at fair value through profit or loss or net gains by
  modification</font></font></p>
  </td>
 <td valign=top width=15% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,651)</font></font></p>
  </td>
 <td width=16% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,626)</font></font></p>
  </td>
 <td nowrap width=11% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1.6</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions or reversal of provisions and other
  results</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(35)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(67)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(47.8)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss)
  before tax</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,960</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,678</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10.5</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax expense or income related to profit or loss from
  continuing operations</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(789)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(697)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13.3</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing
  operations</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,170</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,981</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.6</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from corporate operations, net</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,170</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,981</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.6</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to non-controlling interests</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(42.5)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to
  parent company</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,170</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,980</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.6</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&nbsp;&nbsp; Comprises the
following income statement line items contained in the Consolidated Financial
Statements: &#8220;Gains (losses) on derecognition of financial assets and
liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains
(losses) on non-trading financial assets mandatorily at fair value through
profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities
designated at fair value through profit or loss, net&#8221;,&nbsp; &#8220;Gains (losses)
from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2) &#160;&#8220;Net margin before provisions&#8221; is calculated as &#8220;Gross
income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">40</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">In 2017, the Mexican peso depreciated 3.1%
against the euro in average terms, resulting in a negative exchange rate effect
on our consolidated income statement and in the results of operations of the
Mexico operating segment for the year ended December 31, 2017 expressed in
euros. See &#8220;Item 5. Operating and Financial Review and Prospects&#8213;A
..Operating Results&#8213;Factors Affecting the Comparability of our Results of
Operations and Financial Condition&#8213;Trends in Exchange Rates&#8221; in the 2018
Form 20-F. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this operating segment for the year ended
December 31, 2017 amounted to &#8364;5,476 million, a 6.2% increase compared with the
&#8364;5,155 million recorded for the year ended December 31, 2016. The increase was
mainly the result of higher interest rates, particularly due to the effect of
higher interest rates on the securities portfolio and loans and advances to
customers, and to a lesser extent, an increase in the average volume of loans
and advances to customers. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of this operating segment for the year
ended December 31, 2017 amounted to &#8364;1,219 million, a 5.9% increase compared
with the &#8364;1,152 million recorded for the year ended December 31, 2016, mainly
as a result of an overall increase in commissions, particularly in credit and
debit card commissions and fees from online and investment banking, partially
offset by a decrease in commissions for selling insurance and the impact of the
depreciation of the Mexican peso against the euro.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
gains (losses) on financial assets and liabilities and exchange differences,
net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets and liabilities and exchange
differences of this operating segment for the year ended December 31, 2017 were
&#8364;249 million, a 12.3% increase compared with the &#8364;222 million gain recorded for
the year ended December 31, 2016, mainly as a result of portfolio sales. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other
operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other net operating income and expense of this operating segment
for the year ended December 31, 2017 amounted to a net expense of &#8364;239 million,
compared with the &#8364;236 million of net expense recorded for the year ended
December 31, 2016. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Income
and expense on insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net income on insurance and reinsurance contracts of this
operating segment for the year ended December 31, 2017 was &#8364;416 million, a 17.8%
decrease compared with the &#8364;507 million net income recorded for the year ended
December 31, 2016, mainly as a result of the higher rate of claims brought by
customers (particularly in the last quarter of 2017) as a result of the impact
of natural disasters that took place during 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration
costs</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this operating segment for the year ended
December 31, 2017 were &#8364;2,220 million, a 1.8% increase compared with the &#8364;2,181
million recorded for the year ended December 31, 2016, mainly as a result of an
increase in general and administrative expense, particularly IT expense, and,
to a lesser extent, an increase in personnel expense. The increase was below
Mexico&#8217;s inflation rate for 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment
or reversal of impairment on financial assets not measured at fair value through
profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification of
this operating segment for the year ended December 31, 2017 was a &#8364;1,651
million expense, a 1.6% increase compared with the &#8364;1,626 million expense
recorded for the year ended December 31, 2016. Excluding the impact of the
depreciation of the Mexican peso, the increase in impairment losses on
financial assets (4.9%) was in line with the increase recorded in loans and
advances to customers (5.3%). The non-performing asset ratio of this operating
segment was 2.3% as of December 31, 2017 and 2016.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">41</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating profit/ (loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing, operating profit before tax of this
operating segment for the year ended December 31, 2017 was &#8364;2,960 million, a
10.5% increase compared with the &#8364;2,678 million of operating profit recorded
for the year ended December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax
expense or income related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit from continuing operations of this
operating segment for the year ended December 31, 2017 was &#8364;789 million, a 13.3%
increase compared with the &#8364;697 million expense recorded for the year ended
December 31, 2016, mainly as a result of higher operating profit before tax.
Consequently, tax expense amounted to 26.7% of operating profit before tax for
the year ended December 31, 2017, and 26.0% for the year ended December 31,
2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
profit attributable to parent company of this operating segment for the year
ended December 31, 2017 amounted to &#8364;2,170 million, a 9.6% increase compared
with the &#8364;1,980 million recorded for the year ended December 31, 2016.</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">TURKEY</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font color=black face="Times New Roman,serif" style="background:white;border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">Since July 2015 we have fully consolidated Garanti&#8217;s results in our
consolidated financial statements. From July 2015 to March 2017, we held 39.90%
of Garanti&#8217;s share capital and, on March 22, 2017, we completed the acquisition
of an additional 9.95% stake in </font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Garanti, increasing our total
holding of Garanti&#8217;s share capital to 49.85%. See &#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Item 4. Information on
the Company&#8212;History and Development of the Company&#8212;Capital Expenditures&#8212;2017</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8221;
in the 2018 Form 20-F.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2016</font></u></b></font></p>
  </td>
 <td valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=11% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,331</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,404</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2.1)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">703</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">731</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3.9)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">77</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(81.2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m. </font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160; (2.6)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,115</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,257</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3.3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td valign=top width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,329)</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,528)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(13.0)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(178)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(214)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(16.7)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (3)</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,608</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,515</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3.7</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td valign=top width=15% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(453)</font></font></p>
  </td>
 <td width=16% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(520)</font></font></p>
  </td>
 <td nowrap width=11% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(13.0)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(93)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(87.2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,143</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,902</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">12.7</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(425)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(389)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.2</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,718</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,512</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13.6</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;&#160; -</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,718</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,512</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13.6</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(895)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(917)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(2.4)&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">823</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">596</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">38.1</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&nbsp;&nbsp; Comprises the
following income statement line items contained in the Consolidated Financial
Statements: &#8220;Gains (losses) on derecognition of financial assets and
liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains
(losses) on non-trading financial assets mandatorily at fair value through
profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities
designated at fair value through profit or loss, net&#8221;,&nbsp; &#8220;Gains (losses)
from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp;&nbsp; Not meaningful.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3)&nbsp;&nbsp; &#8220;Net margin before provisions&#8221; is calculated as
&#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">The Turkish lira depreciated 18.9% against the euro in average
terms during 2017, resulting in a negative exchange rate effect on our
consolidated income statement for the year ended December 31, 2017 and in the
results of operations of the Turkey operating segment for such year expressed
in euros. See &#8220;Item 5. Operating and Financial Review and Prospects&#8213;A.
Operating Results&#8213;Factors Affecting the Comparability of our Results of
Operations and Financial Condition&#8213;Trends in Exchange Rates&#8221; in the 2018
Form 20-F.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">43</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_44"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this operating segment for the year ended
December 31, 2017 amounted to &#8364;3,331 million, a 2.1% decrease compared with the
&#8364;3,404 million recorded for the year ended December 31, 2016, mainly as a
result of the depreciation of the Turkish lira. Excluding this impact, there
was a 20.6% increase in net interest income, mainly as a result of higher
interest rates, particularly in loans and advances to customers and
inflation-linked bonds, and the growth in activity, particularly in cash and
cash balances with central banks, in line with the growth of the Turkish
financial sector.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of this operating segment for the year
ended December 31, 2017 amounted to &#8364;703 million, a 3.9% decrease compared with
the &#8364;731 million recorded for the year ended December 31, 2016, mainly as a
result of the depreciation of the Turkish lira. Excluding this impact, there
was an 18.5% increase in net fees and commissions, mainly as a result of an
increase in credit and debit card commissions, which amounted to &#8364;51 million,
and, to a lesser extent, due to an increase in checks and bills receivables
commissions, which increased by &#8364;32 million.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
gains (losses) on financial assets and liabilities and exchange differences,
net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets and liabilities and exchange
differences of this operating segment for the year ended December 31, 2017 were
&#8364;14 million, an 81.2% decrease compared with the &#8364;77 million gain recorded for
the year ended December 31, 2016. The gain in 2016 was partially due to the
sale of Garanti&#8217;s stake in VISA Europe, Ltd. recorded in the second quarter of
2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other
operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other net operating income of this operating segment for the year
ended December 31, 2017 was &#8364;5 million, compared with the &#8364;18 million of net
expense recorded for the year ended December 31, 2016, mainly as a result of a
&#8364;13 million increase in financial income from real estate-related services.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Income
and expense on insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net income on insurance and reinsurance contracts of this
operating segment for the year ended December 31, 2017 was &#8364;62 million, a 2.6%
decrease compared with the &#8364;64 million in net income recorded for the year
ended December 31, 2016, mainly as a result of the depreciation of the Turkish
lira. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration
costs</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of
this operating segment for the year ended December 31, 2017 amounted to &#8364;1,329
million, a 13.0% decrease compared with the &#8364;1,528 million recorded for the
year ended December 31, 2016, mainly as a result of the depreciation of the Turkish
lira.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment
or reversal of impairment on financial assets not measured at fair value
through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification of
this operating segment for the year ended December 31, 2017 was a &#8364;453 million
expense, a 13.0% decrease compared with the &#8364;520 million expense recorded for
the year ended December 31, 2016, mainly as a result of the impact of the
depreciation of the Turkish lira. Excluding this impact, impairment losses on
financial assets increased by 7.3%, mainly as a result of a deterioration in
credit quality and an increase in the size of the loan portfolio. The
non-performing asset ratio of this operating segment as of December 31, 2017
was 3.9% compared with 2.7% as of December 31, 2016. This increase was mainly
the result of increased impairments of wholesale loans, the majority of which
had already been fully provisioned.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">44</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating profit/(loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing, operating profit before tax of this
operating segment for the year ended December 31, 2017 was &#8364;2,143 million, a
12.7% increase compared with the &#8364;1,902 million of operating profit recorded
for the year ended December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax
expense or income related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit from continuing operations of this
operating segment for the year ended December 31, 2017 was &#8364;425 million, a 9.2%
increase compared with the &#8364;389 million expense recorded for the year ended
December 31, 2016, mainly as a result of the higher operating profit before
tax. Consequently, the tax expense amounted to 19.8% of operating profit before
tax for the year ended December 31, 2017, and 20.5% for the year ended December
31, 2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to non-controlling interests</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit attributable to non-controlling interests of this operating
segment for the year ended December 31, 2017 amounted to &#8364;895 million, a 2.4%
decrease compared with the &#8364;917 million recorded for the year ended December
31, 2016 mainly as a result of the completion of our acquisition of an
additional 9.95% stake in Garanti on March 22, 2017, which more than offset the
effect of the higher operating profit before tax.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:21.25pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
profit attributable to parent company of this operating segment for the year
ended December 31, 2017 amounted to &#8364;823 million, a 38.1% increase compared
with the &#8364;596 million recorded for the year ended December 31, 2016 mainly as a
result of the higher operating profit before tax and our acquisition of an
additional 9.95% stake in Garanti during the year.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">45</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">SOUTH AMERICA</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=29% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td colspan=2 nowrap valign=bottom width=13% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2016</font></u></b></font></p>
  </td>
 <td colspan=2 valign=bottom width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=29% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td colspan=2 width=13% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3,200</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,930</font></b></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.2</font></b></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">713</font></font></p>
  </td>
 <td width=14% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">634</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">12.4</font></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">480</font></font></p>
  </td>
 <td width=14% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">464</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">3.4</font></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(113)</font></font></p>
  </td>
 <td width=14% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(133)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(15.0)</font></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">172</font></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">158</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">8.8</font></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,451</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4,054</font></b></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.8</font></b></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,906)</font></font></p>
  </td>
 <td width=14% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,812)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">5.2</font></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(121)</font></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(100)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">20.8</font></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (2)</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,424</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">2,141</font></b></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13.2</font></b></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td width=15% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(650)</font></font></p>
  </td>
 <td width=14% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(526)</font></font></p>
  </td>
 <td nowrap width=8% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">23.6</font></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(103)</font></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(82)</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">26.2</font></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,671</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,533</font></b></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9.0</font></b></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(480)</font></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(481)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(0.3)</font></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,192</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,052</font></b></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13.3</font></b></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,192</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1,052</font></b></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13.3</font></b></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(345)</font></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(294)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17.0</font></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">847</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">757</font></b></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11.8</font></b></font></p>
  </td>
 <td width=5% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&nbsp;&nbsp; Comprises the
following income statement line items contained in the Consolidated Financial
Statements: &#8220;Gains (losses) on derecognition of financial assets and
liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains
(losses) on non-trading financial assets mandatorily at fair value through
profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities
designated at fair value through profit or loss, net&#8221;,&nbsp; &#8220;Gains (losses)
from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp;&nbsp; &#8220;Net margin before provisions&#8221; is calculated as
&#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">In 2017, the Venezuelan
bolivar depreciated significantly against the euro in average terms compared
with the year ended December 31, 2016. In the year ended December 31, 2017 the
Group used an estimated exchange rate of 18,182 Venezuelan bolivars per euro.
In addition, the Argentine peso depreciated 12.8% against the euro in average
terms. On the other hand, the Chilean peso, Colombian peso and Peruvian new sol
appreciated in average terms against the euro compared with the year ended
December 31, 2016, by 2.1%, 1.4% and 1.4%, respectively. In the aggregate,
changes in exchange rates resulted in a negative impact on most of the headings
of the results of operations of the South America operating segment for the
year ended December 31, 2017 expressed in euros. See &#8220;Item 5. Operating and
Financial Review and Prospects&#8213;A. Operating Results&#8213;Factors
Affecting the Comparability of our Results of Operations and Financial
Condition&#8213;Trends in Exchange Rates&#8221; in the 2018 Form 20-F.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this operating segment for the year ended
December 31, 2017 amounted to &#8364;3,200 million, a 9.2% increase compared with the
&#8364;2,930 million recorded for the year ended December 31, 2016, mainly as a
result of growth in the average volume of interest-earning assets, particularly
loans and advances to customers, and, to a lesser extent, in the securities
portfolio and derivatives, partially offset by the depreciation of the
Venezuelan bolivar and the Argentine peso. </font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">46</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of this operating segment for the year
ended December 31, 2017 amounted to &#8364;713 million, a 12.4% increase compared
with the &#8364;634 million recorded for the year ended December 31, 2016, mainly as
a result of an increase in credit and debit card commissions, which amounted to
&#8364;33 million, and, to a lesser extent, due to an increase in checks and bills receivables
commissions which increased by &#8364;13 million, partially offset by the
depreciation of local currencies against the euro. By country, the main
variation was registered in Argentina.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
gains (losses) on financial assets and liabilities and exchange differences,
net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets and liabilities and exchange
differences of this operating segment for the year ended December 31, 2017 were
&#8364;480 million, a 3.4% increase compared with the &#8364;464 million gain recorded for
the year ended December 31, 2016, mainly as a result of foreign-currency
operations.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other
operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other net operating expense of this operating segment for the year
ended December 31, 2017 were &#8364;113 million, a 15.0% decrease compared with the
&#8364;133 million recorded for the year ended December 31, 2016, mainly as a result
of the impact of the depreciation of the Venezuelan bolivar and the Argentine
peso.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Income
and expense on insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net income on insurance and reinsurance contracts of this
operating segment for the year ended December 31, 2017 was &#8364;172 million, an 8.8%
increase compared with the &#8364;158 million in net income recorded for the year
ended December 31, 2016, mainly as a result of the performance in Colombia
where income on insurance and reinsurance contracts. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration
costs</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this operating segment for the year ended
December 31, 2017 amounted to &#8364;1,906 million, a 5.2% increase compared with the
&#8364;1,812 million recorded for the year ended December 31, 2016, in line with the
average inflation rate in most countries and partially offset by the impact of
the depreciation of the Venezuelan bolivar and the Argentine peso.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment
or reversal of impairment on financial assets not measured at fair value
through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not
measured at fair value through profit or loss or net gains by modification of
this operating segment for the year ended December 31, 2017 was an expense of
&#8364;650 million, a 23.6% increase compared with the &#8364;526 million expense recorded
for the year ended December 31, 2016, mainly as a result of increased impaired
assets due to the deterioration of credit quality with certain customers,
partially offset by a decrease in the volume of the loan portfolio, higher
recovery of written-off assets and depreciation of the Venezuelan bolivar and
the Argentine peso. The non-performing asset ratio of this operating segment as
of December 31, 2017 was 3.4% compared with 2.9% as of December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions
or reversal of provisions and other results</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions or reversal of provisions and other results of this
operating segment for the year ended December 31, 2017 were a &#8364;103 million
expense, a 26.2% increase compared with the &#8364;82 million expense recorded for
the year ended December 31, 2016, mainly as a result of an increase in
contingent liabilities.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating
profit/ (loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing, operating profit before tax of this
operating segment for the year ended December 31, 2017 was &#8364;1,671 million, a
9.0% increase compared with the &#8364;1,533 million of operating profit recorded for
the year ended December 31, 2016.</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense or income related to profit or loss from continuing
operations</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit from continuing operations of this
operating segment for the year ended December 31, 2017 was &#8364;480 million, a 0.3%
decrease compared with the &#8364;481 million expense recorded for the year ended
December 31, 2016, mainly as a result of the impact of the depreciation of the
Venezuelan bolivar and the Argentine peso. Consequently, tax expense amounted
to 28.7% of operating profit before tax for the year ended December 31, 2017,
and 31.4% for the year ended December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to non-controlling interests</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit attributable to non-controlling interests of this operating
segment for the year ended December 31, 2017 amounted to &#8364;345 million, a 17.0%
increase compared with the &#8364;294 million recorded for the year ended December
31, 2016 mainly as a result of the stronger performance of our Peruvian and
Argentinian operations, where there are minority shareholders, as well as the
reduction of our stake in our Argentinian operations during 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing, profit attributable to parent
company of this operating segment for the year ended December 31, 2017 amounted
to &#8364;847 million, an 11.8% increase compared with the &#8364;757 million recorded for
the year ended December 31, 2016.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">48</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">REST OF EURASIA</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=32% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td colspan=2 nowrap valign=bottom width=10% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2016</font></u></b></font></p>
  </td>
 <td colspan=2 valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=32% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td colspan=2 width=10% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">180</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">166</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">8.7</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td valign=top width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">164</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">194</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(15.2)</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td valign=top width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">123</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">87</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">40.4</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(97.3)</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">468</font></b></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">491</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(4.8)</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td valign=top width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(293)</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(326)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(10.0)</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td valign=top width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(10.4)</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (3)</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">164</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">153</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6.8</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td valign=top width=16% style="height:24.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td width=16% style="height:24.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">30</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(24.3)</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m. </font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">181</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">207</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(12.6)</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(53)</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(53)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">0.3</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">154</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(17.1)</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">154</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(17.1)</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td valign=top width=16% style="border:none;border-bottom:double windowtext 2pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:double windowtext 2pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">154</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(17.1)</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1) Comprises the following
income statement line items contained in the Consolidated Financial Statements:
&#8220;Gains (losses) on derecognition of financial assets and liabilities not measured
at fair value through profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets
and liabilities held for trading, net&#8221;, &#8220;Gains (losses) on non-trading
financial assets mandatorily at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities designated at fair value through
profit or loss, net&#8221;,&nbsp; &#8220;Gains (losses) from hedge accounting, net&#8221; and
&#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp;&nbsp; Not meaningful.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3)&nbsp;&nbsp;&#8220;Net margin before provisions&#8221; is calculated as
&#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
interest income</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income of this
operating segment for the year ended December 31, 2017 amounted to &#8364;180
million, an 8.7% increase compared with the &#8364;166 million recorded for the year
ended December 31, 2016, mainly as a result of the performance of the Global
Finance unit in Europe, particularly in retail businesses and Corporate and
Investment Banking (C&amp;IB),&nbsp; and, to a lesser extent the performance of
the Global Markets unit in Europe, partially offset by performance of the
Global Markets unit in Asia.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of
this operating segment for the year ended December 31, 2017 amounted to &#8364;164
million, a 15.2% decrease compared with the &#8364;194 million recorded for the year
ended December 31, 2016, mainly as a result of a decrease in securities fees.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">49</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains (losses) on financial assets and liabilities and
exchange differences, net</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets
and liabilities and exchange differences of this operating segment for the year
ended December 31, 2017 were &#8364;123 million, a 40.4% increase compared with the
&#8364;87 million net gain recorded for the year ended December 31, 2016, mainly as a
result of a &#8364;21 million increase in the gains on financial assets in retail
businesses, particularly in Portugal (&#8364;13 million increase) and a &#8364;28 million
increase of the Global Markets unit in Europe, partially offset by a &#8364;25
million decrease of the Global Markets unit in Asia.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other
operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other net operating income of
this operating segment for the year ended December 31, 2017 was &#8364;1 million, compared
with &#8364;45 million in other net operating income recorded for the year ended
December 31, 2016, mainly as a result of our divestment in CNCB, a 2.14% stake
of which we sold in 2017, which resulted in lower dividends from CNCB.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration
costs</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this
operating segment for the year ended December 31, 2017 amounted to &#8364;293
million, a 10.0% decrease compared with the &#8364;326 million recorded for the year
ended December 31, 2016, mainly as a result of expense reduction efforts in the
Corporate and Investment Banking (C&amp;IB) unit in Asia and the retail
business in Europe. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment
or reversal of impairment on financial assets not measured at fair value
through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of
impairment on financial assets not measured at fair value through profit or
loss or net gains by modification of this operating segment for the year ended
December 31, 2017 amounted to income of &#8364;23 million a 24.3% decrease compared
with the &#8364;30 million income recorded for the year ended December 31, 2016,
mainly as a result of the release of provisions, particularly in Portugal. The
non-performing asset ratio of this operating segment as of December 31, 2017
was 1.2% compared with 1.5% as of December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating
profit/(loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
operating profit before tax of this operating segment for the year ended
December 31, 2017 was &#8364;181 million, a 12.6% decrease compared with the &#8364;207
million of operating profit recorded for the year ended December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax
expense or income related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense related to profit
from continuing operations of this operating segment for the year ended
December 31, 2017 and December 31, 2016 was &#8364;53 million. Consequently, tax expense
amounted to 29.5% of operating profit before tax for the year ended December
31, 2017, and 25.7% for the year ended December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
profit attributable to parent company of this operating segment for the year
ended December 31, 2017 amounted to &#8364;128 million, a 17.1% decrease compared
with the &#8364;154 million recorded for the year ended December 31, 2016.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">50</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:12.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CORPORATE CENTER</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=58% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">For the Year Ended December 31,</font></b></font></p>
  </td>
 <td colspan=2 nowrap valign=bottom width=11% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2017</font></u></b></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">2016</font></u></b></font></p>
  </td>
 <td colspan=2 valign=bottom width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=58% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=31% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td colspan=2 width=11% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net interest income</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(357)</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(456)</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(21.6)</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net fees
  and commissions</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(86)</font></font></p>
  </td>
 <td width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(110)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(21.7)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net gains
  (losses) on financial assets and liabilities and exchange differences, net (1)</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">436</font></font></p>
  </td>
 <td width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">358</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">21.8</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Other
  operating income and expense, net</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">101</font></font></p>
  </td>
 <td width=15% style="height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">198</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(49.1)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Income and
  expense on insurance and reinsurance contracts</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(9.8)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Gross income</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">74</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(31)</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m. </font></b></font><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Administration
  costs</font></font></p>
  </td>
 <td width=16% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(556)</font></font></p>
  </td>
 <td width=15% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(533)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4.3</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Depreciation
  and amortization</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(282)</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(293)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3.6)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Net margin before provisions (3)</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(764)</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(857)</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(10.9)</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:24.0pt;">
  <td valign=bottom width=58% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Impairment
  or reversal of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification</font></font></p>
  </td>
 <td width=16% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,125)</font></font></p>
  </td>
 <td width=15% style="height:24.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(37)</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">n.m. </font></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Provisions
  or reversal of provisions and other results</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(73)</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(141)</font></font></p>
  </td>
 <td nowrap width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(48.1)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,962)</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,035)</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">89.5</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Tax
  expense or income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">151</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">279</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(45.8)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit from continuing operations</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,811)</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(757)</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">139.2</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  from corporate operations, net</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,811)</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(757)</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">139.2</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit
  attributable to non-controlling interests</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &nbsp;</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(60.0)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(1,812)</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(760)</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">138.4</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Calibri,sans-serif style="font-size:11.0pt;line-height:115%;">&nbsp;</font></p></td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;(1)&nbsp;&nbsp; Comprises the
following income statement line items contained in the Consolidated Financial
Statements: &#8220;Gains (losses) on derecognition of financial assets and
liabilities not measured at fair value through profit or loss, net&#8221;, &#8220;Gains
(losses) on financial assets and liabilities held for trading, net&#8221;, &#8220;Gains
(losses) on non-trading financial assets mandatorily at fair value through
profit or loss, net&#8221;, &#8220;Gains (losses) on financial assets and liabilities
designated at fair value through profit or loss, net&#8221;,&nbsp; &#8220;Gains (losses)
from hedge accounting, net&#8221; and &#8220;Exchange differences, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(2)&nbsp;&nbsp; Not meaningful.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">(3)&nbsp;&nbsp; &#8220;Net margin before provisions&#8221; is calculated as
&#8220;Gross income&#8221; less &#8220;Administration costs&#8221; and &#8220;Depreciation and amortization&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest income / (expense)</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest expense of this
operating segment for the year ended December 31, 2017 was &#8364;357 million, a 21.6%
decrease compared with the &#8364;456 million expense recorded for the year ended
December 31, 2016, mainly as a result of lower funding costs of the Group&#8217;s
investments.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
fees and commissions</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net fees and commissions of
this operating segment for the year ended December 31, 2017 were an expense of
&#8364;86 million, a 21.7% decrease compared with an expense of &#8364;110 million loss
recorded for the year ended December 31, 2016, mainly as a result of an
increase in funds commissions income.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net
gains (losses) on financial assets and liabilities and exchange differences,
net</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net gains on financial assets
and liabilities and exchange differences of this operating segment for the year
ended December 31, 2017 were &#8364;436 million, a 21.8% increase compared with the
&#8364;358 million gain recorded for the year ended December 31, 2016, mainly as a
result of the sale of a 2.14% stake in CNCB in 2017.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">51</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_52"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other operating income and expense, net</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other net operating income of
this operating segment for the year ended December 31, 2017 was &#8364;101 million, a
49.1% decrease compared with the &#8364;198 million net income recorded for the year
ended December 31, 2016, mainly as a result of decreased dividends from
Telef&#243;nica, S.A. as it lowered its dividends from &#8364;0.55 per share to &#8364;0.4 per
share, and from CNCB, which also lowered its dividends and also due to the
smaller stake held by the Group in CNCB (following the sale of a 2.14% stake in
2017).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Income
and expense on insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Income and expense on
insurance and reinsurance contracts of this operating segment for the year
ended December 31, 2017 amounted to an expense of &#8364;19 million, a 9.8% decrease
compared with the &#8364;21 million expense recorded for the year ended December 31,
2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration
costs</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration costs of this
operating segment for the year ended December 31, 2017 amounted to &#8364;556
million, a 4.3% increase compared with the &#8364;533 million recorded for the year
ended December 31, 2016, mainly as a result of the &#8364;15 million increase in
fixed remuneration and also due to a &#8364;11 million increase in general and
administrative expense, particularly IT expense. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment
or reversal of impairment on financial assets not measured at fair value
through profit or loss or net gains by modification</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or reversal of
impairment on financial assets not measured at fair value through profit or
loss or net gains by modification of this operating segment for the year ended
December 31, 2017 was a &#8364;1,125 million expense, compared with the &#8364;37 million
expense recorded for the year ended December 31, 2016, mainly as a result of
the recognition of impairment losses of &#8364;1,123 million relating to our slightly
above 5% stake in Telef&#243;nica, S.A. resulting from the fact that its stock price
fell below our acquisition cost for a prolonged period.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions
or reversal of provisions and other results</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions or reversal of
provisions and other results of this operating segment for the year ended December
31, 2017 were a &#8364;73 million expense, a 48.1% decrease compared with the &#8364;141
million expense recorded for the year ended December 31, 2016, mainly due to
lower provisions for early retirements.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating
profit/ (loss) before tax</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
operating loss before tax of this operating segment for the year ended December
31, 2017 was &#8364;1,962 million, an 89.5% increase compared with the &#8364;1,035 million
loss recorded for the year ended December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax expense
or income related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax income related to loss
from continuing operations of this operating segment for the year ended
December 31, 2017 amounted to &#8364;151 million, a 45.8% decrease compared with the
&#8364;279 million tax income recorded for the year ended December 31, 2016, despite
an increase in operating loss before tax since the recognition of impairment
losses relating to our stake in Telef&#243;nica, S.A. had no impact on taxable
income. Consequently, tax income amounted to 7.7% of operating loss before tax
for the year ended December 31, 2017, and 26.9% for the year ended December 31,
2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:9.35pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">As a result of the foregoing,
profit attributable to parent company of this operating segment for the year
ended December 31, 2017 was a loss of &#8364;1,812 million, compared with the &#8364;760
million loss recorded for the year ended December 31, 2016.<a name="page_177"></a><a name="page_177_bclEnd"></a> </font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">52</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">B.&nbsp;&nbsp; Liquidity and Capital Resources</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">C.&nbsp;&nbsp;
Research and Development, Patents and Licenses, etc.</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">D.&nbsp;&nbsp;
Trend Information</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">E.&nbsp;&nbsp;
Off-Balance Sheet Arrangements</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F.&nbsp;&nbsp;
Tabular Disclosure of Contractual Obligations</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM
6.&nbsp;&nbsp; </font></b></font><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">DIRECTORS, SENIOR MANAGEMENT
AND EMPLOYEES</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;ITEM
7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MAJOR SHAREHOLDERS AND RELATED PARTY
TRANSACTIONS </font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM
8.&nbsp;&nbsp;&nbsp;&nbsp; FINANCIAL INFORMATION </font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM
9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; THE OFFER AND LISTING</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM
10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;ADDITIONAL INFORMATION</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM
11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; QUANTITATIVE AND QUALITATIVE DISCLOSURES
ABOUT MARKET RISK</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM
12. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; DESCRIPTION OF SECURITIES OTHER THAN EQUITY
SECURITIES</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p align=center style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">PART II</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 13.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">DEFAULTS, DIVIDEND
ARREARAGES AND DELINQUENCIES </font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face="Times New Roman,serif" style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=ES-TRAD style="font-size:11.0pt;line-height:115%;">53</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 14.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF
PROCEEDS</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 15.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CONTROLS AND PROCEDURES</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM
16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;[RESERVED]</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 16A.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">AUDIT COMMITTEE FINANCIAL
EXPERT </font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 16B.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CODE OF ETHICS</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 16C.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">PRINCIPAL ACCOUNTANT FEES
AND SERVICES</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived
from the recast described in the introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 16D.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">EXEMPTIONS FROM THE
LISTING STANDARDS FOR AUDIT COMMITTEES </font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 16E.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">PURCHASES OF EQUITY
SECURITIES BY THE ISSUER AND AFFILIATED PURCHASERS</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 16F.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CHANGE IN
REGISTRANT&#8217;S CERTIFYING ACCOUNTANT</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM
16G.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; CORPORATE GOVERNANCE</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 16H.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">MINE SAFETY
DISCLOSURE</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>

<p align=center style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">PART III</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 17.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">FINANCIAL STATEMENTS </font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 18.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">FINANCIAL STATEMENTS </font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Please see exhibit 99.2 to this report on Form 6-K. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">ITEM 19.</font></b></font><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">EXHIBITS &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">There are no changes derived from the recast described in the
introductory explanatory note. </font></font></p>




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<DESCRIPTION>EXHIBIT 99.2
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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="_Toc363037098"></a><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="_Toc363037099"></a><font color=#004580 face="Times New Roman,serif" style="border:none;"><font color=#004580 face="Times New Roman,serif" lang=EN-US style="font-size:36.0pt;line-height:115%;">Consolidated
Financial Statements and Reports of Independent Registered Public Accounting
Firms for the years 2018, 2017, and 2016</font></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#004580 face="Times New Roman,serif" style="border:none;"><font color=#004580 face="Times New Roman,serif" lang=EN-US style="font-size:26.0pt;line-height:115%;">Contents</font></font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font color=#072146 face="Times New Roman,serif" lang=EN-US style="font-size:14.0pt;">CONSOLIDATED FINANCIAL
STATEMENTS</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:.9pt;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=87% style="height:15.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_6"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Consolidated
  balance sheets</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-3</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=87% style="height:15.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_9"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Consolidated income
  statements</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-6</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=87% style="height:15.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_10"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Consolidated
  statements of recognized income and expenses</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-7</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=87% style="height:15.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_11"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Consolidated
  statements of changes in equity</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-8</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=87% style="height:15.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_14"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Consolidated
  statements of cash flows</font></u></a></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-11</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><b><font color=#072146 face="Times New Roman,serif" lang=EN-US style="font-size:14.0pt;">NOTES TO THE
ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">1.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_15"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Introduction,
  basis for the presentation of the Consolidated Financial Statements, internal
  control over financial information and other information</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-12</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">2.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_19"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Principles of
  consolidation, accounting policies and measurement bases applied and recent
  IFRS pronouncements</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-16</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">3.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_66"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">BBVA Group</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-63</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">4.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_69"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Shareholder
  remuneration system</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-66</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">5.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_72"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Earnings per
  share</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-69</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">6.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_73"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Operating
  segment reporting</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-70</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">7.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_76"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Risk
  management</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-73</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">8.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_143"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Fair Value of
  financial instruments</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-140</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">9.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_156"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Cash, cash
  balances at central banks and other demands deposits</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-153</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">10.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_157"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial
  assets and liabilities held for trading</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-154</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">11.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_163"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Non-trading
  financial assets mandatorily at fair value through profit or loss</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-160</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">12.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_163"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial
  assets and liabilities designated at fair value through profit or loss</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-160</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">13.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_164"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial
  assets at fair value through other comprehensive income</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-161</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">14.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_171"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial
  assets at amortized cost</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-168</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">15.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_173"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Hedging
  derivatives and fair value changes of the hedged items in portfolio hedges of
  interest rate risk</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-170</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">16.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_175"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Investments
  in joint ventures, associates</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-172</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">17.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_177"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tangible
  assets</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-174</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">18.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_180"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Intangible
  assets</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-177</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">19.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_184"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Tax assets
  and liabilities</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-181</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">20.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_188"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other assets
  and liabilities</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-185</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">21.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_189"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Non-current
  assets and disposal groups held for sale</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-186</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">22.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_192"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Financial
  liabilities at amortized cost</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-189</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">23.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_197"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Assets and
  Liabilities under insurance and reinsurance contracts</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-194</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">24.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_199"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-196</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">25.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_201"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Post-employment
  and other employee benefit commitments</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-198</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">26.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_210"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Common stock</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-207</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">27.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_213"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Share premium</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-210</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">28.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_213"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Retained
  earnings, revaluation reserves and other reserves</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-210</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">29.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_216"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Treasury
  shares</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-213</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">30.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_217"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Accumulated
  other comprehensive income (loss)</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-214</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">31.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_218"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Minority
  interest</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-215</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">32.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_219"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Capital base
  and capital management</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-216</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">33.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_222"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Commitments
  and guarantees given</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-219</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">34.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_222"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other
  contingent assets and liabilities</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-219</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">35.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_223"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Purchase and
  sale commitments and future payment obligations</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-220</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">36.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_224"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Transactions
  on behalf of third parties</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-221</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">37.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_225"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Net interest
  income</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-222</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">38.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_227"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Dividend
  income</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-224</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">39.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_227"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Share of
  profit or loss of entities accounted for using the equity method</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-224</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">40.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_228"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Fee and
  commission income and expense</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-225</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">41.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_229"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Gains
  (losses) on financial assets and liabilities, net and Exchange differences</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-226</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">42.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_231"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other
  operating income and expense</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-228</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">43.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_232"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Income and
  expense from insurance and reinsurance contracts</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-229</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">44.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_233"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Administration
  costs</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-230</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">45.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_236"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Depreciation</font></u><u><font color=#0563C1 face="Times New Roman,serif" lang=ES style="font-size:10.0pt;line-height:normal;"> and amortization</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-233</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">46.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_236"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Provisions or
  (reversal) of provisions</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-233</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">47.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_237"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or
  (reversal) of impairment on financial assets not measured at fair value
  through profit or loss</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-234</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">48.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_237"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Impairment or
  (reversal) of impairment on non-financial assets</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-234</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">49.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_237"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Gains
  (losses) on derecognition of non - financial assets and subsidiaries, net</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-234</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">50.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_238"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Profit (loss)
  from non-current assets and disposal groups classified as held for sale not
  qualifying as discontinued operations</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-235</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">51.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_239"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Consolidated
  statements of cash flows</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-236</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">52.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_240"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Accountant
  fees and services</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-237</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">53.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_241"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Related-party
  transactions</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-238</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">54.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_243"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Remuneration
  and other benefits to the Board of Directors and to the members of the Bank&#8217;s
  Senior Management</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-240</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">55.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_255"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Other
  information</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-252</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">56.</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_257"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Subsequent
  events</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-254</font></font></p>
  </td>
 </tr>
</table></div>




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<p style="margin:0cm;margin-bottom:.0001pt;tab-stops:center 212.6pt right 425.2pt;text-align:justify;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;">&nbsp;</font></p>


</DIV>
<p align=left style="border:none;margin-bottom:8.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:107%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#072146 face="Times New Roman,serif" style="border:none;"><b><font color=#072146 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">APPENDICES</font></b></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_259"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">APPENDIX I
  Additional information on consolidated subsidiaries and consolidated
  structured entities composing the BBVA Group</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-256</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_267"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">APPENDIX II
  Additional information on investments joint ventures and associates in the
  BBVA Group</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-264</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_268"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">APPENDIX III
  Changes and notification of participations in the BBVA Group in 2018</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-265</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_271"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">APPENDIX IV
  Fully consolidated subsidiaries with more than 10% owned by non-Group
  shareholders as of December 31, 2018</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-268</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_272"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">APPENDIX V
  BBVA Group&#8217;s structured entities. Securitization funds</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-269</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_274"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">APPENDIX VI
  Details of the outstanding subordinated debt and preferred securities issued
  by the Bank or entities in the Group consolidated as of December 31, 2018,
  2017 and 2016</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-271</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_278"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">APPENDIX VII
  Consolidated balance sheets held in foreign currency as of December 31, 2018,
  2017 and 2016</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-275</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_281"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">APPENDIX
  VIII. Quantitative information on refinancing and restructuring operations
  and other requirement under Bank of Spain Circular 6/2012</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-278</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td valign=top width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td valign=top width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0563C1 face="Times New Roman,serif" style="border:none;"><a href="#page_297"><u><font color=#0563C1 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">APPENDIX IX
  Additional information on Risk Concentration</font></u></a></font></p>
  </td>
 <td valign=top width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face="Times New Roman,serif" style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">F-294</font></font></p>
  </td>
 </tr>
</table></div>











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<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:left;"><font face="Times New Roman,serif" style="border:none;mso-bidi-font-size:10.0pt;mso-fareast-font-family:Times New Roman;"><font face="Times New Roman,serif" lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:20.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:12.0pt;">Report of Independent Registered Public Accounting Firm</font></b></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">To the Shareholders and Board of Directors</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=ES style="font-size:10.0pt;line-height:normal;">Banco
Bilbao Vizcaya Argentaria, S.A.:</font></font></p>

<p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">Opinion on the
Consolidated Financial Statements</font></i></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">We have audited the accompanying
consolidated balance sheets of Banco Bilbao Vizcaya Argentaria, S.A. and
subsidiaries (the Company) as of December 31, 2018 and 2017, the related
consolidated statements of income, recognized income and expenses, changes in
equity, and cash flows for the years then ended, and the related notes
(collectively, the consolidated financial statements). In our opinion, the
consolidated financial statements present fairly, in all material respects, the
financial position of the Company as of December 31, 2018 and 2017, and the
results of its operations and its cash flows for the years then ended, in
conformity with International Financial Reporting Standards as issued by the
International Accounting Standards Board.</font></font></p>

<p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">Changes in Accounting
Principles </font></i></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">As discussed in Note 1.3 to the
consolidated financial statements, in 2018 the Company has changed its method
of accounting for financial instruments due to the adoption of International
Financial Reporting Standard 9, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">Financial Instruments,</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;"> and the Company
has elected to change its method of accounting for hyperinflationary economies
under International Accounting Standard 29, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">Financial Reporting in
Hyperinflationary Economies</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">.&nbsp;</font></font></p>

<p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">Basis for Opinion</font></i></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">These consolidated financial statements
are the responsibility of the Company&#8217;s management. Our responsibility is to
express an opinion on these consolidated financial statements based on our
audits. We are a public accounting firm registered with the PCAOB and are
required to be independent with respect to the Company in accordance with the
U.S. federal securities laws and the applicable rules and regulations of the
Securities and Exchange Commission and the PCAOB.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">We conducted
our audits in accordance with the standards of the PCAOB. Those standards
require that we plan and perform the audit to obtain reasonable assurance about
whether the consolidated financial statements are free of material
misstatement, whether due to error or fraud. Our audits included performing
procedures to assess the risks of material misstatement of the consolidated
financial statements, whether due to error or fraud, and performing procedures
that respond to those risks. Such procedures included examining, on a test
basis, evidence regarding the amounts and disclosures in the consolidated
financial statements. Our audits also included evaluating the accounting
principles used and significant estimates made by management, as well as
evaluating the overall presentation of the consolidated financial statements.
We believe that our audits provide a reasonable basis for our opinion.</font></font></p>

<p style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">&#160;&#160; /s/&#160; KPMG
Auditores, S.L.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=DE style="font-size:10.0pt;line-height:12.0pt;">We have served
as the Company&#8217;s auditor since 2017.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">Madrid, Spain</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Times New Roman,serif" style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">March 28, 2019, except
for Note 6 and ordinary earnings and ordinary income by operating segment
disclosed in Note 55.2, as to which the date is June 25, 2019</font></font></p>



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<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:left;"><font face=Calibri,sans-serif style="border:none;mso-fareast-font-family:Calibri;"><font face=Calibri,sans-serif lang=ES style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;text-indent:12.0pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;">REPORT OF
INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font></b></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:10.0pt;">To the&nbsp;</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Board of Directors
and Shareholders</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=ES style="font-size:10.0pt;">Banco Bilbao Vizcaya Argentaria, S.A.:</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:4.5pt;page-break-after:avoid;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:10.0pt;">We have audited the
accompanying consolidated balance sheet of BANCO BILBAO VIZCAYA ARGENTARIA,
S.A. (the &#8220;Company&#8221;) and subsidiaries composing the BANCO BILBAO VIZCAYA
ARGENTARIA Group (the &#8220;Group&#8221; - Note 3) as of December 31, 2016 and the related
consolidated income statement, statement of recognized income and expenses,
statement of changes in equity and statement of cash flows for the year then
ended. These consolidated financial statements are the responsibility of the
Group&#8217;s Directors. Our responsibility is to express an opinion on these
financial statements based on our audit.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;page-break-after:avoid;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:10.0pt;">We conducted our
audit in accordance with the standards of the Public Company Accounting
Oversight Board (United States). Those standards require that we plan and
perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement. An audit includes examining, on a
test basis, evidence supporting the amounts and disclosures in the financial
statements. An audit also includes assessing the accounting principles used and
significant estimates made by management, as well as evaluating the overall
financial statement presentation. We believe that our audit provide a
reasonable basis for our opinion.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:9.0pt;page-break-after:avoid;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-GB style="font-size:10.0pt;">In our opinion, such
consolidated financial statements present fairly, in all material respects, the
consolidated financial position of BANCO BILBAO VIZCAYA ARGENTARIA, S.A. and
subsidiaries composing the BANCO BILBAO VIZCAYA ARGENTARIA Group as of December
31, 2016 and the consolidated results of their operations and their cash flows
for the year then ended in conformity with the International Financial
Reporting Standards, as issued by the International Accounting Standards Board
(&#8220;IFRS &#8211; IASB&#8221;).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">/s/ DELOITTE, S.L.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Madrid, Spain</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">March 31, 2017</font></font></p>



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&nbsp;</font>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-2</font></font><font face=Arial,sans-serif style="border:none;mso-fareast-font-family:Calibri;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:13.0pt;">Consolidated balance sheets as of December 31, 2018, 2017 and 2016</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_ACTIVO_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.75pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSETS
  (Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">CASH, CASH BALANCES AT CENTRAL BANKS AND OTHER DEMAND DEPOSITS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58,196</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42,680</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40,039</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">FINANCIAL ASSETS HELD FOR TRADING</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">90,117</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64,695</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">74,950</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30,536</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">35,265</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42,955</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Equity
  instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,254</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,801</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,675</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25,577</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22,573</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27,166</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to central banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,163</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14,566</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12,021</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">154</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT
  OR LOSS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,135</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Equity
  instruments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,095</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">237</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to central banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,803</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,313</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,709</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,062</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Equity
  instruments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,888</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,920</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,313</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">174</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">142</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to central banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">648</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">56,337</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">69,476</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">79,221</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Equity
  instruments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,595</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,224</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,641</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53,709</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">66,251</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">74,580</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to central banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">FINANCIAL ASSETS AT AMORTIZED COST</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">419,660</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">445,275</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">483,672</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32,530</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24,093</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28,905</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to central banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,941</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,300</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,894</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,163</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26,261</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31,373</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">374,027</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">387,621</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">414,500</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HEDGING
  DERIVATIVES </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,892</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,485</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,833</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST
  RATE RISK</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(21)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(25)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURES
  AND ASSOCIATES</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,578</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,588</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">765</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Joint ventures</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">173</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">256</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">229</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Associates</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,405</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,332</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">536</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCE AND
  REINSURANCE ASSETS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">366</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">421</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">447</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TANGIBLE ASSETS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,229</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,191</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,941</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Property, plants
  and equipment</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,066</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,996</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,250</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; For own use</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,756</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,581</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,519</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Other assets leased out under an operating lease</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">310</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">415</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">732</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Investment
  properties</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">163</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">195</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">691</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INTANGIBLE
  ASSETS </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,314</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,464</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,786</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Goodwill</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,180</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,062</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,937</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Other intangible
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,134</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,402</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,849</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TAX ASSETS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18,100</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,888</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18,245</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Current</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,784</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,163</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,853</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Deferred</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,316</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14,725</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,391</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OTHER ASSETS </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,472</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,359</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,274</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160; Insurance contracts linked to pensions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160; Inventories</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">635</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">229</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,298</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160; Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,837</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,130</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,976</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">NON-CURRENT ASSETS AND DISPOSAL GROUPS HELD FOR SALE </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,001</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,853</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,603</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TOTAL ASSETS</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">676,689</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">690,059</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">731,856</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:2.0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accompanying
Notes 1 to 56 are an integral part of the consolidated financial statements.</font></font></p>



<font face=BBVABentonSansLight style="border:none;">
&nbsp;</font>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-3</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_7"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:13.0pt;">Consolidated
balance sheets as of December 31, 2018, 2017 and 2016</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_PASIVO_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.75pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">LIABILITIES AND EQUITY (Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">FINANCIAL LIABILITIES HELD FOR TRADING </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">80,774</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46,182</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54,675</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Trading
  derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">31,815</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">36,169</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">43,118</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Short positions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,025</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10,013</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,556</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Deposits from
  central banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10,511</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Deposits from
  credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15,687</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Customer
  deposits</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,736</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt
  certificates</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Other financial
  liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,993</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,222</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,338</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Deposits from
  central banks</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Deposits from
  credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Customer
  deposits</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">976</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt
  certificates</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,858</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Other financial
  liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,159</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,222</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,338</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Of which:
  Subordinated liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">FINANCIAL LIABILITIES AT AMORTIZED COST </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">509,185</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">543,713</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">589,210</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Deposits from
  central banks</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27,281</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">37,054</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34,740</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Deposits from
  credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">31,978</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54,516</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">63,501</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Customer
  Deposits</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">375,970</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">376,379</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">401,465</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt
  certificates</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">61,112</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">63,915</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">76,375</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Other financial
  liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12,844</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,850</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13,129</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Of which:
  Subordinated liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18,047</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,316</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,230</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">HEDGING
  DERIVATIVES</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,680</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,880</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,347</font></b></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST
  RATE RISK</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(7)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">LIABILITIES UNDER INSURANCE AND REINSURANCE CONTRACTS </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,834</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,223</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,139</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PROVISIONS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,772</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,477</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,071</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Provisions for pensions and similar obligations</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,787</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,407</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,025</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Other long term employee benefits</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">67</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">69</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Provisions for taxes and other legal contingencies</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">686</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">756</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">418</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Provisions for contingent risks and commitments</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">636</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">578</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">950</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Other provisions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">601</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">669</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,609</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">TAX LIABILITIES
  </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,276</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,298</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,668</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Current</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,230</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,114</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,276</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Deferred</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,046</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,184</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,392</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTHER
  LIABILITIES </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,301</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,550</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,979</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">LIABILITIES INCLUDED IN DISPOSAL GROUPS CLASSIFIED AS HELD FOR SALE</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,197</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">TOTAL
  LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">623,814</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">636,736</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">676,428</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:2.0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accompanying
Notes 1 to 56 are an integral part of the consolidated financial statements.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-4</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_8"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:13.0pt;">Consolidated
balance sheets as of December 31, 2018, 2017 and 2016</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_PN_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.75pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">LIABILITIES AND EQUITY (Continued) (Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">SHAREHOLDERS&#8217;
  FUNDS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54,326</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53,283</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">50,985</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Capital</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,267</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,267</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,218</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Paid up capital</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,267</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,267</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,218</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Unpaid capital which has been called up</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Share premium</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Equity instruments issued other than capital</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other equity
  instruments</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">50</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Retained
  earnings</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,018</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,612</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21,844</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Revaluation
  reserves</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other reserves</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(58)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(35)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(59)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Reserves or accumulated losses of investments in subsidiaries, joint
  ventures and associates</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(58)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(35)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(59)</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Less: Treasury
  shares</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">29</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(296)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(96)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(48)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Profit or loss attributable to owners of the parent</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,324</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,519</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,475</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Less: Interim dividends</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(975)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,043)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,510)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(7,215)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(6,939)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3,622)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Items that will not be reclassified to profit or loss</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,284)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,183)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,095)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Actuarial gains or losses on defined benefit pension plans</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,245)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,183)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,095)</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Non-current assets and disposal groups classified as held for sale</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:19.15pt;">
  <td width=56% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;Share of other recognized income and expense of investments in
  subsidiaries, joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:19.15pt;">
  <td width=56% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of equity instruments measured at fair value through
  other comprehensive income</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(155)</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:19.15pt;">
  <td width=56% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Hedge ineffectiveness of fair value hedges for equity instruments
  measured at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:19.15pt;">
  <td width=56% style="height:19.15pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of equity instruments measured at fair value through
  other comprehensive income (hedged item)</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:19.15pt;">
  <td width=56% style="height:19.15pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of equity instruments measured at fair value through
  other comprehensive income (hedging instrument)</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:19.15pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of financial liabilities at fair value through
  profit or loss attributable to changes in their credit risk </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">116</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Items that may be reclassified to profit or loss</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5,932)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5,755)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2,527)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Hedge of net investments in foreign operations (effective portion)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(218)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(118)</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Foreign currency
  translation </font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(6,643)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(7,297)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3,341)</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Hedging derivatives. Cash flow hedges (effective portion)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(34)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets available for sale</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,641</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">947</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of debt instruments measured at fair value through
  other comprehensive income</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">943</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Hedging instruments (non-designated items)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Non-current assets and disposal groups classified as held for sale</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(26)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:19.15pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Share of other recognized income and expense of investments in
  subsidiaries, joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(40)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(31)</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">MINORITY INTERESTS (NON-CONTROLLING INTEREST)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">31</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,764</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,979</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,064</font></b></font></p>
  </td>
 </tr>
<tr style="height:6.95pt;">
  <td width=56% style="border:none;height:6.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Accumulated other comprehensive income (loss)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:6.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:6.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3,236)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:6.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2,550)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:6.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,430)</font></font></p>
  </td>
 </tr>
<tr style="height:6.95pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:6.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,000</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,530</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,494</font></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">TOTAL EQUITY</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">52,874</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53,323</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">55,428</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">TOTAL EQUITY AND TOTAL LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">676,689</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">690,059</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">731,856</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">MEMORANDUM&#160; ITEM (OFF-BALANCE SHEET EXPOSURES)&#160; (Millions of Euros)</font></b></font></p>
  </td>
 <td width=11% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><font color=white face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><font color=white face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><font color=white face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><font color=white face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td nowrap valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.1pt;">
  <td nowrap width=56% style="border:none;height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Loan commitments
  given</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">118,959</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">94,268</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">107,254</font></font></p>
  </td>
 </tr>
<tr style="height:8.1pt;">
  <td nowrap width=56% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Financial guarantees
  given</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,454</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,545</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18,267</font></font></p>
  </td>
 </tr>
<tr style="height:8.1pt;">
  <td nowrap width=56% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other commitments
  given</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">35,098</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">45,738</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42,592</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:2.0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accompanying
Notes 1 to 56 are an integral part of the consolidated financial statements.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-5</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_9"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:13.0pt;">Consolidated
income statements for the years ended December 31, 2018, 2017 and 2016</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_PyG_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:7.9pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">CONSOLIDATED INCOME STATEMENTS (Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:23.45pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Interest and other
  income</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37.1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29,831</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29,296</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27,708</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Interest expense</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37.2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(12,239)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(11,537)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10,648)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NET INTEREST
  INCOME</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,591</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,758</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,059</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Dividend income </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">157</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">334</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">467</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Share of profit or loss of entities accounted for using the equity
  method </font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Fee and commission
  income </font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,132</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,150</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,804</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Fee and commission
  expense</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,253)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,229)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,086)</font></font></p>
  </td>
 </tr>
<tr style="height:15.6pt;">
  <td width=56% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Gains (losses) on derecognition of financial assets and liabilities not
  measured at fair value through profit or loss, net</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">216</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">985</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,375</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Gains (losses) on financial assets and liabilities held for trading,
  net</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">707</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">218</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">248</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Gains (losses) on non-trading financial assets mandatorily at fair
  value through profit or loss, net</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Gains (losses) on financial assets and liabilities designated at fair
  value through profit or loss, net</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">143</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(56)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">114</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Gains (losses) from hedge accounting, net </font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">72</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(209)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(76)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Exchange differences,
  net</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,030</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">472</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other operating
  income </font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">949</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,439</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,272</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other operating
  expense</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,101)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,223)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,128)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Income from insurance and reinsurance contracts</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,949</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,342</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,652</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Expense from insurance and reinsurance contracts</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,894)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,272)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,545)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GROSS INCOME</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,747</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25,270</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24,653</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Administration costs </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10,494)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(11,112)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(11,366)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Personnel
  expenses</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">44.1</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6,120)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6,571)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6,722)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Other
  administrative expenses</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">44.2</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,374)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,541)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,644)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Depreciation and
  amortization</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,208)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,387)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,426)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Provisions or reversal of provisions</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(373)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(745)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,186)</font></font></p>
  </td>
 </tr>
<tr style="height:15.6pt;">
  <td width=56% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Impairment or reversal of impairment on financial assets not measured
  at fair value through profit or loss or net gains by modification</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,981)</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,803)</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,801)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Financial assets measured at amortized cost</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,980)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,676)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,598)</font></font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Financial assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,127)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(202)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NET OPERATING
  INCOME</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,691</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,222</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,874</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Impairment or reversal of impairment of investments in subsidiaries,
  joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Impairment or reversal of impairment on non-financial assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(138)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(364)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(521)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Tangible assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(42)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(143)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Intangible
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(83)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(16)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Other assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(51)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(306)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(375)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Gains (losses) on derecognition of non - financial assets and
  subsidiaries, net</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">78</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">70</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Negative goodwill recognized in profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Profit (loss) from non-current assets and disposal groups classified as
  held for sale not qualifying as discontinued operations&#160;&#160;&#160; </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">815</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(31)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">PROFIT OR LOSS BEFORE TAX FROM CONTINUING OPERATIONS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55.2</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,446</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,931</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,392</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Tax expense or income related to profit or loss from continuing
  operations</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,295)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,169)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,699)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">PROFIT OR LOSS AFTER TAX FROM CONTINUING OPERATIONS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,151</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,762</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,693</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Profit or loss after tax from discontinued operations, net</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROFIT FOR THE
  YEAR</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,151</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,762</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,693</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Attributable to minority interest [non-controlling interest]</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">827</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,243</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,218</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Attributable to owners of the parent</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55.2</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,324</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,519</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,475</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">EARNINGS PER
  SHARE&#160; (Euros)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.76</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.48</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.49</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.1pt;">
  <td width=56% style="border:none;height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Basic earnings per share from continued operations</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.76</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.48</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.49</font></font></p>
  </td>
 </tr>
<tr style="height:8.1pt;">
  <td width=56% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Diluted earnings per share from continued operations </font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.76</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.48</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.49</font></font></p>
  </td>
 </tr>
<tr style="height:8.1pt;">
  <td width=56% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Basic earnings per share from discontinued operations </font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.1pt;">
  <td width=56% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Diluted earnings per share from discontinued operations</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:2.0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accompanying
Notes 1 to 56 are an integral part of the consolidated financial statements.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-6</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_10"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:13.0pt;">Consolidated
statements of recognized income and expenses for the years ended December 31,
2018, 2017 and 2016</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_IYG_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:9.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">CONSOLIDATED STATEMENTS OF RECOGNIZED INCOME AND EXPENSES (MILLIONS OF
  EUROS)</font></b></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">PROFIT RECOGNIZED IN INCOME STATEMENT</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,151</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,762</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,693</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTHER
  RECOGNIZED INCOME (EXPENSES)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2,523)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(4,439)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3,012)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">ITEMS NOT SUBJECT TO RECLASSIFICATION TO INCOME STATEMENT</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(141)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(91)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(240)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Actuarial gains and losses from defined benefit pension plans</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(79)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(96)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(303)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Non-current assets and disposal groups held for sale</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=67% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Fair value changes of equity instruments measured at fair value
  through other comprehensive income </font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(172)</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=67% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Fair value changes of financial liabilities at fair value
  through profit or loss attributable to changes in their credit risk</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">166</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Income tax related to items not subject to reclassification to
  income statement</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(56)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">63</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">ITEMS SUBJECT TO RECLASSIFICATION TO INCOME STATEMENT</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2,382)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(4,348)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2,772)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Hedge of net investments in foreign operations (effective portion)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(244)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">80</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">166</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Valuation gains or losses taken to equity</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(244)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">112</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">166</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Transferred to profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(32)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Foreign
  currency translation </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,537)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5,080)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2,157)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Valuation gains or losses taken to equity</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,542)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5,089)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2,110)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Transferred to profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(22)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(47)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Cash flow hedges (effective portion)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(67)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">80</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Valuation gains or losses taken to equity</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(32)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(122)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">134</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Transferred to profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(54)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Transferred to initial carrying amount of hedged items</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Available-for-sale financial assets</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">719</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(694)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Valuation gains or losses taken to equity</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">384</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">438</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Transferred to profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">347</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,248)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">116</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt securities at fair value through other comprehensive income</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(901)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Valuation gains or losses taken to equity</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(766)</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Transferred to profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(135)</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Non-current assets and disposal groups held for sale</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(20)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Valuation gains or losses taken to equity</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Transferred to profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Entities accounted for using the equity method</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(14)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(89)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Income tax relating to items subject to reclassification to income
  statements</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">244</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">35</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(78)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">TOTAL
  RECOGNIZED INCOME/EXPENSES</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,628</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">323</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,681</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Attributable to minority interest (non-controlling interests)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(420)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">127</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">305</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Attributable to the parent company</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,048</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">196</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,376</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:2.0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accompanying Notes 1 to 56 are an integral
part of the consolidated financial statements.</font></font></p>



<font face=BBVABentonSansLight style="border:none;">
&nbsp;</font>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-7</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_11"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:13.0pt;">Consolidated
statements of changes in equity for the years ended December 31, 2018, 2017 and
2016</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_VPN_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.45pt;">
  <td colspan=15 nowrap width=100% style="background:#E9E9E9;border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (MILLIONS OF EUROS)</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td nowrap width=20% style="border:none;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Capital</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 26)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Share Premium</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Equity instruments issued other than capital</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Retained
  earnings </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 28)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Revaluation
  reserves</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;(Note 28)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other
  reserves</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 28)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(-) Treasury
  shares</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Profit or loss attributable to owners of the parent</font></b></font></p>
  </td>
 <td rowspan=2 width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(-) Interim
  dividends (Note 4)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Accumulated other comprehensive income</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;(Note 30)</font></b></font></p>
  </td>
 <td colspan=2 width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-controlling
  interest</font></b></font></p>
  </td>
 <td rowspan=2 width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:31.15pt;">
  <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:31.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=5% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:31.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Valuation adjustments
  (Note 31)</font></b></font></p>
  </td>
 <td width=5% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:31.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 31)</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balances as of
  January 1, 2018</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,267</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25,474</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(44)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(96)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,519</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,043)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8,792)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,378)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,358</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53,323</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Effect of changes in accounting policies ( Note 1.3)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,713)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,756</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">850</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(822)</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(919)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Adjusted
  initial balance</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,267</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22,761</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(34)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(96)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,519</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,043)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7,036)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,528)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,536</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52,404</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total income/expense
  recognized</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,324</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,276)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,247)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">827</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,628</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other changes
  in equity</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">256</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(23)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(199)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,519)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">68</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,096</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">540</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,364)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,158)</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Issuances of common
  shares</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Issuances of
  preferred shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Issuance of other equity instruments</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Settlement or maturity of other equity instruments issued </font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Conversion of debt on equity</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Common Stock
  reduction</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Dividend distribution</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(992)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(975)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(378)</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,349)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Purchase of treasury
  shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,684)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,684)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Sale or cancellation of treasury shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(24)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,484</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,460</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Reclassification of other equity instruments to financial liabilities</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Reclassification of financial liabilities to other equity instruments</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers within total equity (see Note 2.2.20)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,408</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,519)</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,043</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,096</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">540</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(540)</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Increase/Reduction of equity due to business combinations</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Share based payments</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other increases or (-) decreases in equity</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(135)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(446)</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(566)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balances as of
  December 31, 2018</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,267</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,018</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(58)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(296)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,324</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(975)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7,215)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,236)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,000</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52,874</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:2.0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accompanying Notes 1 to 56 are an integral
part of the consolidated financial statements.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-8</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_12"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:13.0pt;">Consolidated
statements of changes in equity for the years ended December 31, 2018, 2017 and
2016</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_VPN1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.45pt;">
  <td colspan=15 nowrap width=100% style="background:#E9E9E9;border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (MILLIONS OF EUROS)</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=20% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Capital</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 26)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Share Premium</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Equity instruments issued other than capital</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Retained
  earnings </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 28)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Revaluation
  reserves</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;(Note 28)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other
  reserves</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 28)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(-) Treasury
  shares</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Profit or loss attributable to owners of the parent</font></b></font></p>
  </td>
 <td rowspan=2 width=5% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(-) Interim
  dividends (Note 4)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Accumulated other comprehensive income</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;(Note 30)</font></b></font></p>
  </td>
 <td colspan=2 width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-controlling
  interest</font></b></font></p>
  </td>
 <td rowspan=2 width=5% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:54.0pt;">
  <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:54.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=5% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:54.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Valuation
  adjustments (Note 31)</font></b></font></p>
  </td>
 <td width=5% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:54.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 31)</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balances as of
  January 1, 2017</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,218</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,688</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(67)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(48)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,475</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,510)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,458)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,246)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,310</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55,428</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Effect of changes in accounting policies ( Note 1.3)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,843)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,836</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">817</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(817)</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Adjusted
  initial balance</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,218</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21,845</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(60)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(48)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,475</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,510)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,622)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,429)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,493</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55,428</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total
  income/expense recognized</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,519</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,317)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,122)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,243</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">323</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other changes
  in equity</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,768</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(48)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,475)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">467</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,207)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,428)</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Issuances of common
  shares</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(50)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Issuances of
  preferred shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Issuance of other equity instruments</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Settlement or maturity of other equity instruments issued </font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Conversion of debt on equity</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Common Stock
  reduction</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Dividend distribution</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(900)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(290)</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,189)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Purchase of treasury
  shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,674)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,674)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Sale or cancellation of treasury shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,626</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,627</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Reclassification of other equity instruments to financial liabilities</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Reclassification of financial liabilities to other equity instruments</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transfers within
  total equity</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,932</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,475)</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,510</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Increase/Reduction of equity due to business combinations</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Share based payments</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(22)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(22)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other increases or (-) decreases in equity</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(125)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(144)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(917)</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,169)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balances as of December
  31, 2017</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,267</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,612</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(34)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(96)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,519</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,043)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6,939)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,551)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,529</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53,323</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:2.0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accompanying Notes 1 to 56 are an integral
part of the consolidated financial statements.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-9</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_13"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:13.0pt;">Consolidated
statements of changes in equity for the years ended December 31, 2018, 2017 and
2016</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_VPN2_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.45pt;">
  <td colspan=15 nowrap width=100% style="background:#E9E9E9;border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (MILLIONS OF EUROS)</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=20% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Capital</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 26)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Share Premium
  </font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Equity instruments issued other than capital</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Retained
  earnings </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 28)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Revaluation
  reserves</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;(Note 28)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other
  reserves</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 28)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(-) Treasury
  shares </font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Profit or loss attributable to owners of the parent</font></b></font></p>
  </td>
 <td rowspan=2 width=5% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(-) Interim
  dividends (Note 4)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Accumulated other comprehensive income</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;(Note 30)</font></b></font></p>
  </td>
 <td colspan=2 width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-controlling
  interest</font></b></font></p>
  </td>
 <td rowspan=2 width=5% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:54.0pt;">
  <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:54.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2016 </font></b></font></p>
  </td>
 <td width=5% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:54.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Valuation
  adjustments (Note 31)</font></b></font></p>
  </td>
 <td width=5% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:54.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Note 31)</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balances as of
  January 1, 2016</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,120</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">35</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22,588</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(98)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(309)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,642</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,352)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,349)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,333)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,325</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55,281</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Effect of changes in accounting policies ( Note 1.3)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,834)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,826</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">816</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(816)</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Adjusted
  initial balance</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,120</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">35</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20,754</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(91)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(309)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,642</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,352)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,523)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(517)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,509</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55,282</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total
  income/expense recognized</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,475</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,099)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(913)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,218</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,681</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other changes in
  equity</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">98</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,090</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">260</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,642)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(158)</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(233)</font></b></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,535)</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Issuances of common
  shares</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(98)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Issuances of
  preferred shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Issuance of other equity instruments</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Settlement or maturity of other equity instruments issued </font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Conversion of debt on equity</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Common Stock
  reduction</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Dividend distribution</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">93</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(93)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,301)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(234)</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,535)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Purchase of treasury
  shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,004)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,004)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Sale or cancellation of treasury shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(30)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,264</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,234</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Reclassification of other equity instruments to financial liabilities</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Reclassification of financial liabilities to other equity instruments</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transfers within
  total equity</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,166</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">126</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,642)</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,352</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Increase/Reduction of equity due to business combinations</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Share based payments</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(16)</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other increases or (-) decreases in equity</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(44)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(210)</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=5% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(219)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balances as of December
  31, 2016</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,218</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21,845</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(60)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(48)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,475</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,510)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,622)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,429)</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,494</font></b></font></p>
  </td>
 <td nowrap width=5% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55,428</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:2.0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accompanying Notes 1 to 56 are an integral
part of the consolidated financial statements.</font></font></p>



<font face=BBVABentonSansLight style="border:none;">
&nbsp;</font>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-10</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_14"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:13.0pt;">Consolidated
statements of cash flows for the years ended December 31, 2018, 2017 and 2016</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_CF1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:9.75pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">CONSOLIDATED FINANCIAL STATEMENTS OF CASH FLOWS (MILLIONS OF EUROS)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">A) CASH FLOWS FROM OPERATING ACTIVITIES&#160; (1 + 2 + 3 + 4 + 5)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,664</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,055</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,623</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1. Profit for
  the year</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,151</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,762</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,693</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">2. Adjustments to obtain the cash flow from operating activities:</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,695</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,526</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,784</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Depreciation and
  amortization</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,208</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,387</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,426</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other adjustments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,487</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,139</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,358</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">3. Net increase/decrease in operating assets </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(12,679)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,894)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,428)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,379</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,662</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,289</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-trading financial assets mandatorily at fair value through profit
  or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(643)</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other financial assets designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">349</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(783)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(206)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,032</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14,445</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and receivables</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(12,652)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(14,503)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(21,075)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other operating
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(906)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(302)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">915</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">4. Net increase/decrease in operating liabilities </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,286</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,916)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,273</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial liabilities held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(466)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6,057)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">361</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other financial liabilities designated at fair value through profit or
  loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,338</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(53)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial liabilities at amortized cost</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,481</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,111</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other operating liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,067)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">972</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">5. Collection/Payments for income tax</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,789)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,423)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,699)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">B) CASH FLOWS FROM INVESTING ACTIVITIES&#160; (1 + 2)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,516</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,902</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(560)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1. Investment </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,154)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,339)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,978)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(943)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(777)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,312)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Intangible assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(552)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(564)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(645)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Investments in joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(150)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(101)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(76)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Subsidiaries and other business units</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(897)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(95)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-current assets held for sale and associated liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(489)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Held-to-maturity
  investments</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,850)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other settlements related to investing activities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2. Divestments</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,670</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,241</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,418</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">731</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">518</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">795</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Intangible assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Investments in joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">558</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">322</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Subsidiaries and other business units</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,268</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">936</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">73</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-current assets held for sale and associated liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,917</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,002</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">900</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Held-to-maturity
  investments</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A6A6A6;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,711</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,215</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other collections related to investing activities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">196</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">93</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">C) CASH FLOWS FROM FINANCING ACTIVITIES&#160;&#160; (1 + 2)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,092)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(98)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,113)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1. Payments</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8,995)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,763)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,335)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Dividends</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,107)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,698)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,599)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Subordinated liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,825)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,098)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(502)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Treasury stock
  amortization</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Treasury stock
  acquisition</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,686)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,674)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,004)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other items relating to financing activities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(377)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(293)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(230)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2. Collections</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,903</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,665</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,222</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Subordinated liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,451</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,038</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,000</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Treasury shares
  increase</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Treasury shares
  disposal</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,452</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,627</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,222</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other items relating to financing activities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">D) EFFECT OF EXCHANGE RATE CHANGES</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,498)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,266)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,463)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">E) NET INCREASE/DECREASE IN CASH OR CASH EQUIVALENTS (A+B+C+D)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,590</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">594</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,489</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">F) CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45,549</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">44,955</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43,466</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">G) CASH AND CASH EQUIVALENTS AT END OF THE YEAR (E+F)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54,138</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45,549</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">44,955</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=56% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">COMPONENTS OF CASH AND EQUIVALENT AT END OF THE YEAR (Millions of
  Euros)</font></b></font></p>
  </td>
 <td width=11% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 style="border:none;"><font color=#666666 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 style="border:none;"><font color=#666666 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 style="border:none;"><font color=#666666 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 style="border:none;"><font color=#666666 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Cash</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,346</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,416</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,413</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Balance of cash equivalent in central banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47,792</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39,132</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37,542</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other financial
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Less: Bank overdraft refundable on demand</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">TOTAL CASH AND CASH EQUIVALENTS AT END OF THE YEAR</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54,138</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45,549</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">44,955</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:2.0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accompanying Notes 1 to 56 are an integral
part of the consolidated financial statements.</font></font></p>

<p style="-sec-extract:summary;border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="_Toc376949865"></a><a name="_Toc376972273"></a></p>
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><img border=0 height=36 src="d20f2018recastx14x0.gif" width=185></font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">Notes to the Consolidated Financial Statements</font></b></font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc376949866"></a><a name="_Toc376972274"></a><a name="XBRL_TS_ea02bc092e924b6697a9e9c60"></a><a name="_Toc105906"></a><a name="_Toc457490008"></a><a name="_Toc481589063"></a><a name="_Toc495478115"></a><a name="_Toc505355934"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">1.&#160;&#160;&#160; Introduction, basis for the presentation of the Consolidated
Financial Statements, internal control over financial reporting and other
information</font></b></font><a name="XBRL_TS_ea02bc092e924b6697a9e9c60_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_318b7bbc1d64408a910e04239"></a><a name="_Toc105907"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">1.1&#160;&#160; Introduction</font></b></font><a name="XBRL_TS_318b7bbc1d64408a910e04239_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3def99c8a469464a8fdc1d44b"></a><a name="XBRL_CS_355e8bc94c3d43da9c07631b3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Banco Bilbao Vizcaya
Argentaria, S.A.</font></font><a name="XBRL_CS_355e8bc94c3d43da9c07631b3_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">
(hereinafter &#8220;the Bank&#8221; or &#8220;BBVA&quot;) is a <a name="XBRL_CS_5c258092bf664bc0a36dd91f0"></a>private-law entity<a name="XBRL_CS_5c258092bf664bc0a36dd91f0_bclEnd"></a> subject to the laws and
regulations governing banking entities operating in <a name="XBRL_CS_6f92bf590cbe4c5588eefb8e9"></a>Spain<a name="XBRL_CS_6f92bf590cbe4c5588eefb8e9_bclEnd"></a>. It carries out its
activity through branches and agencies across the country and abroad.</font></font><a name="XBRL_TS_3def99c8a469464a8fdc1d44b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_4133dd71611d4dff9867a9090"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Bylaws and other public information are available for inspection at the Bank&#8217;s registered
address (</font></font><a name="XBRL_CS_3d543a3ef1cf4f92a5cc77d5d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Plaza
San Nicol&#225;s, 4 </font></font><a name="XBRL_CS_4dc837a6f8554c1c8548997f9"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Bilbao</font></font><a name="XBRL_CS_3d543a3ef1cf4f92a5cc77d5d_bclEnd"></a><a name="XBRL_CS_4dc837a6f8554c1c8548997f9_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">) as noted
on its web site (www.bbva.com).</font></font><a name="XBRL_TS_4133dd71611d4dff9867a9090_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d09951e82d0746f6bc54e24f3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In
addition to the activities it carries out directly, the Bank heads a group of
subsidiaries, joint ventures and associates which perform a wide range of
activities and which together with the Bank constitute the Banco Bilbao Vizcaya
Argentaria Group (hereinafter, &#8220;the Group&#8221; or &#8220;the </font></font><a name="XBRL_CS_d9f6ed6d7b044ad0a81d84b86"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA Group</font></font><a name="XBRL_CS_d9f6ed6d7b044ad0a81d84b86_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&#8221;). In
addition to its own separate Financial Statements, the Bank is required to
prepare Consolidated Financial Statements comprising all consolidated
subsidiaries of the Group.</font></font><a name="XBRL_TS_d09951e82d0746f6bc54e24f3_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_68c0a9b2db69416ba2bae342f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As
of December 31, 2018, the BBVA Group had </font></font><a name="XBRL_CS_2a65e435d4324aae9510a6bf0"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">297 consolidated entities</font></font><a name="XBRL_CS_2a65e435d4324aae9510a6bf0_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> and <a name="XBRL_CS_3213c1ed4f604442add8efde9"></a>66 entities accounted for using the
equity method<a name="XBRL_CS_3213c1ed4f604442add8efde9_bclEnd"></a> (see
Notes 3 and 16 and Appendix I to V).</font></font><a name="XBRL_TS_68c0a9b2db69416ba2bae342f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_6c2abf02327e482092687bad3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Consolidated Financial Statements of the BBVA Group for the year ended December
31, 2018</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> have been authorized for issue on March 28, 2019</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font><a name="XBRL_TS_6c2abf02327e482092687bad3_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_865c4bfd853942d98cc258c35"></a><a name="_Toc105908"></a><a name="_Toc376949867"></a><a name="_Toc376972275"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">1.2&#160;&#160; Basis for the
presentation of the </font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">Consolidated Financial Statements</font></b></font><a name="XBRL_TS_865c4bfd853942d98cc258c35_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_391f27bb7d5642168dffc2969"></a><a name="XBRL_TS_3d347925f79843c5a920cff59"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group&#8217;s Consolidated Financial
Statements are presented in compliance with IFRS-IASB (International Financial
Reporting Standards as issued by the International Accounting Standards Board),
as well as in accordance with the International Financial Reporting Standards
endorsed by the European Union (hereinafter, &#8220;EU-IFRS&#8221;) applicable as of
December 31, 2018, considering the Bank of Spain Circular 4/2017, and with any
other legislation governing financial reporting applicable to the Group in
Spain.</font></font><a name="XBRL_TS_391f27bb7d5642168dffc2969_bclEnd"></a><a name="XBRL_TS_3d347925f79843c5a920cff59_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b43d1c6ef8b74b3f810618c59"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group&#8217;s
accompanying Consolidated Financial Statements for the year ended December 31,
2018 were prepared by the Group&#8217;s Directors (through the Board of Directors
meeting held on February 11, 2019) by applying the principles of consolidation,
accounting policies and valuation criteria described in Note 2, so that they
present fairly the Group&#8217;s total consolidated equity and financial position as
of December 31, 2018, together with the consolidated results of its operations
and cash flows generated during the year ended December 31, 2018.</font></font><a name="XBRL_TS_b43d1c6ef8b74b3f810618c59_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_cc9155d888504b6390e27fbf8"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These
Consolidated Financial Statements were prepared on the basis of the accounting
records kept by the Bank and each of the other entities in the Group. Moreover,
they include the adjustments and reclassifications required to harmonize the
accounting policies and valuation criteria used by the Group (see Note 2.2).</font></font><a name="XBRL_TS_cc9155d888504b6390e27fbf8_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_63baa46a3beb44e2a5ea4196f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All effective
accounting standards and valuation criteria with a significant effect in the
Consolidated Financial Statements were applied in their preparation.</font></font><a name="XBRL_TS_63baa46a3beb44e2a5ea4196f_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amounts reflected in the accompanying Consolidated Financial
Statements are presented in millions of euros, unless it is more appropriate to
use smaller units. Some items that appear without a balance in these
Consolidated Financial Statements are due to how the units are expressed. Also,
in presenting amounts in millions of euros, the accounting balances have been
rounded up or down. It is therefore possible that the totals appearing in some
tables are not the exact arithmetical sum of their component figures.</font></font><a name="XBRL_TS_f2a97aff3283471592c7b974d_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_199056edb2904276bc530e9f4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The percentage
changes in amounts have been calculated using figures expressed in thousands of
euros</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font><a name="XBRL_TS_199056edb2904276bc530e9f4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_da63cbed320341368fbb6fcaf"></a><a name="_Toc105909"></a><a name="_Toc376949868"></a><a name="_Toc376972276"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">1.3&#160;&#160; Comparative
information</font></b></font><a name="XBRL_TS_da63cbed320341368fbb6fcaf_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_7b7a96e6012f4948ac8c1c0f3"></a><font face=Arial,sans-serif style="border:none;"><i><font color=#5B9BD5 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;letter-spacing:.75pt;line-height:115%;">Changes in accounting policies</font></i></font><a name="XBRL_TS_7b7a96e6012f4948ac8c1c0f3_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_0f30522aef81481dbee5148c0"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Application of IFRS 9</font></font><a name="XBRL_TS_0f30522aef81481dbee5148c0_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c05792fd6cb6440da50a56e84"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As
of January 1, 2018, IFRS 9 &#8220;Financial instruments&#8221; replaced IAS 39 &#8220;Financial
Instruments: Recognition and Measurement&#8221; and includes changes in the
requirements for the classification and measurement of financial assets and
financial liabilities, the impairment of financial assets and hedge accounting
(see Note 2.2.1). As permitted by the standard, IFRS 9 has not been applied
retrospectively for previous years. The impact of the first application of IFRS
9 is presented in Note 2.4.</font></font><a name="XBRL_TS_c05792fd6cb6440da50a56e84_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_68e410b65f40483dbbeb9e821"></a><a name="XBRL_TS_6b1e9d84234c42e380bef8f8c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As a consequence of the
application of IFRS 9, the comparative information for the financial years 2017
and 2016 included in these Consolidated Financial Statements has been subject
to some non-significant modifications in order to improve the comparability
with the figures of the financial year 2018.</font></font><a name="XBRL_CS_68e410b65f40483dbbeb9e821_bclEnd"></a><a name="XBRL_TS_6b1e9d84234c42e380bef8f8c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_3bbf398711d042c3b525a6900"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Hyperinflationary economies</font></font><a name="XBRL_TS_3bbf398711d042c3b525a6900_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_e991ee25dce34fff9de64e979"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Group&#8217;s experience applying IAS 29 &quot;Financial information in
hyperinflationary economies&quot; in its subsidiaries in Venezuela allows us to
confirm the complexity of applying the accounting mechanism of inflation
together with the historical movements of the exchange rates in a way that
results are economically understandable, especially when there is not a
consistent evolution between inflation and exchange rate in each period.</font></font><a name="XBRL_TS_e991ee25dce34fff9de64e979_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_ab657295324041839bf2e11f4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In
this context, with the aim of improving the faithful representation of the
financial statements, during 2018 the Group made an accounting policy change
which involves recording in a single account of &quot;Shareholders&#8217; funds &#8211;
retained earnings&quot;, both the revaluation of non-monetary items due to the
effect of hyperinflation and the differences generated when translating the
restated financial statements of the subsidiaries in hyperinflationary
economies into euros. Translation differences, prior to the accounting policy
change were recorded in the item &#8220;Accumulated other comprehensive income &#8211;
items that may be reclassified to profit or loss &#8211; foreign currency
translation&#8221; (see Notes 2.2.16 and 2.2.20). The accounting policy change, in
accordance with IAS 8, offers and provides more reliable and relevant
information of operations in hyperinflationary economies.</font></font><a name="XBRL_TS_ab657295324041839bf2e11f4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_7e2ef7c8cfc74f47b5a48dc46"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In
order to make the information comparable, we have restated the information of
the previous years, in such a way that &#8364;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">1,853, &#8364;1,836 and &#8364;1,826 </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">million
have been reclassified from &quot;Accumulated other comprehensive income &#8211;
items that may be reclassified to profit or loss &#8211; foreign currency
translation&quot; to &quot;Shareholders&#8217; funds &#8211; retained earnings&quot; as of
December 31, 2017, December 31, 2016 and January 1, 2016, respectively, relating
to the Group companies registered in Venezuela (an economy that was also
considered hyperinflationary in 2017 and 2016). Additionally, &#8364;828, &#8364;817 and
&#8364;816 million have been reclassified from &#8220;Non-controlling interest &#8211;Accumulated
other comprehensive income&#8221; to &#8220;Non-controlling interest &#8211; other&#8221; as of
December 31, 2017, December 31, 2016 and January 1, 2016, respectively.</font></font><a name="XBRL_TS_7e2ef7c8cfc74f47b5a48dc46_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-13</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The reclassification corresponding to January 1, 2018, 2017 and
2016 is recorded as &quot;Effects of changes in accounting policies&quot; in
the Consolidated Statement of Changes in Equity corresponding to the years
ended December 31, 2018, 2017 and 2016. In the consolidated balance sheet as of
December 31, 2018, 2017 and 2016, the heading &quot; Shareholders&#8217; funds &#8211;
retained earnings&#8221; includes both the translation differences and the effects of
restatement for inflation</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font><a name="XBRL_TS_096c7962a73d452d97d0af42f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_36768e6efffb48aca3d787c28"></a><font face=Arial,sans-serif style="border:none;"><i><font color=#5B9BD5 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;letter-spacing:.75pt;line-height:115%;">Operating segments</font></i></font><a name="XBRL_TS_36768e6efffb48aca3d787c28_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><i><font color=#5B9BD5 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;letter-spacing:.75pt;line-height:115%;"> &nbsp;</font></i></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_57988dd7d25a495abff59689d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">During
2018, there were no significant changes to the existing structure of the BBVA
Group&#8217;s operating segments in comparison to 2017 (see Note 6). Certain prior
year balances have been reclassified to conform to current year presentation.</font></font><a name="XBRL_TS_57988dd7d25a495abff59689d_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_d3813f64580a49c4b06b9bdcb"></a><a name="_Toc105910"></a><a name="_Toc376949869"></a><a name="_Toc376972277"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">1.4&#160;&#160; Seasonal nature of
income and expenses</font></b></font><a name="XBRL_TS_d3813f64580a49c4b06b9bdcb_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_049c67c484be4edb94230c46f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
nature of the most significant activities carried out by the BBVA Group&#8217;s
entities is mainly related to typical activities carried out by financial
institutions, which are not significantly affected by seasonal factors within
the same year.</font></font><a name="XBRL_TS_049c67c484be4edb94230c46f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_13a21eee10104ddf9e93bc4a4"></a><a name="_Toc105911"></a><a name="_Toc376949870"></a><a name="_Toc376972278"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">1.5&#160;&#160; Responsibility for the
information and for the estimates made</font></b></font><a name="XBRL_TS_13a21eee10104ddf9e93bc4a4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_0b29eaf7ee574de281aedc965"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
information contained in the BBVA Group&#8217;s Consolidated Financial Statements is
the responsibility of the Group&#8217;s Directors.</font></font><a name="XBRL_TS_0b29eaf7ee574de281aedc965_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_db5b991824c445fea275c273f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Estimates
were required to be made at times when preparing these Consolidated Financial
Statements in order to calculate the recorded or disclosed amount of some
assets, liabilities, income, expenses and commitments. These estimates relate
mainly to the following:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Impairment on certain financial assets (see Notes 7, 13, 14 and
16).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The assumptions used to quantify certain provisions (see Note 24)
and for the actuarial calculation of post-employment benefit liabilities and
commitments (see Note 25).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The useful life and impairment losses of tangible and intangible
assets (see Notes 17, 18, 20 and 21).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The valuation of goodwill and price allocation of business
combinations (see Note 18).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The fair value of certain unlisted financial assets and
liabilities (see Notes 7, 8, 10, 11, 12 and 13).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The recoverability of deferred tax assets (See Note 19).</font></font><a name="XBRL_TS_db5b991824c445fea275c273f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_667a2986e6c14dec8275bac1b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Although these
estimates were made on the basis of the best information available as of the
end of the reporting period, future events may make it necessary to modify them
(either up or down) over the coming years. This would be done prospectively in
accordance with applicable standards, recognizing the effects of changes in the
estimates in the corresponding consolidated income statement.</font></font><a name="XBRL_TS_667a2986e6c14dec8275bac1b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_16f6b87a33b643c4a9d594fd6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">During 2018, 2017
and 2016 there were no significant changes to the assumptions and estimations,
except as indicated in these Consolidated Financial Statements.</font></font><a name="XBRL_TS_16f6b87a33b643c4a9d594fd6_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_77b9310897c141eabc0e6520b"></a><a name="_Toc105912"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">1.6&#160;&#160; BBVA Group&#8217;s Internal Control over Financial Reporting</font></b></font><a name="XBRL_TS_77b9310897c141eabc0e6520b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_10206401aab145a4884cfd348"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA
Group&#8217;s Consolidated Financial Statements are prepared under an Internal
Control over Financial Reporting Model (hereinafter &#8220;ICFR&quot;). It provides
reasonable assurance with respect to the reliability and the integrity of the
consolidated financial statements. It is also aimed to ensure that the
transactions are processed in accordance with the applicable laws and
regulations.</font></font><a name="XBRL_TS_10206401aab145a4884cfd348_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_a76814342dfa45279d1b0ebe2"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-14</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_18"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The ICFR is in accordance with the control
framework established in 2013 by the &#8220;Committee of Sponsoring Organizations of
the Treadway Commission&#8221; (hereinafter, &quot;COSO&quot;). The COSO 2013
framework sets five components that constitute the basis of the effectiveness
and efficiency of the internal control systems:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The establishment of an appropriate control framework.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The assessment of the risks that could arise during the
preparation of the financial information.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The design of the necessary controls to mitigate the identified
risks.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The establishment of an appropriate system of information to
detect and report system weaknesses.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The monitoring activities over the controls to ensure they perform
correctly and are effective over time.</font></font><a name="XBRL_TS_a76814342dfa45279d1b0ebe2_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_1b3bdab9d0c644588cf2920e5"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
ICFR is a dynamic model that evolves continuously over time to reflect the
reality of the BBVA Group&#8217;s businesses and processes, as well as the risks and
controls designed to mitigate them. It is subject to a continuous evaluation by
the internal control units located in the different entities of BBVA Group.</font></font><a name="XBRL_TS_1b3bdab9d0c644588cf2920e5_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_7d6add5a5e3d425b9b166b5d8"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These
internal control units are integrated within the BBVA internal control model
which is based in two pillars:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A control system organized into three lines of defense:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:32.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- The first line
is located within the business and support units, which are responsible for
identifying risks associated with their processes and to execute the controls
established to mitigate them.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:32.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- The second line
comprises the specialized control units (Compliance, Internal Financial
Control, Internal Risk Control, Engineering Risk, Fraud &amp; Security, and
Operations Control among others). This second line defines the models and
controls under their areas of responsibility and monitors the design, correct
implementation and effectiveness of the controls</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:32.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- The third line
is the Internal Audit unit, which conducts an independent review of the model,
verifying the compliance and effectiveness of the model.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A set of committees called Corporate Assurance that helps to
escalate the internal control issues to the management at a Group level and
also in each of the countries where the Group operates.</font></font><a name="XBRL_TS_7d6add5a5e3d425b9b166b5d8_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The internal control units comply
with a common and standard methodology established at Group level, as set out
in the following diagram:</font></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><img border=0 height=196 id="Picture 2" src="d20f2018recastx17x0.jpg" width=650></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3634a062ead7494f94984259e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
ICFR Model is subject to annual evaluations by the Group&#8217;s Internal Audit Unit.
It is also supervised by the Audit and Compliance Committee of the Bank&#8217;s Board
of Directors.</font></font><a name="XBRL_TS_3634a062ead7494f94984259e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_5e62a9f0ff2b4e1dbbff6330b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
BBVA Group is also required to comply with Sarbanes-Oxley Act (hereafter &#8220;SOX&#8221;)
for Consolidated Financial Statements as a listed company with the U.S.
Securities and Exchange Commission (&#8220;SEC&#8221;). The main senior executives of the
Group are involved in the design, compliance and implementation of the internal
control model to make it effective and to ensure the quality and accuracy of
the financial information.
</font></font><a name="XBRL_TS_5e62a9f0ff2b4e1dbbff6330b_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_d1ebe8bdd3c3478a8181873fc"></a><a name="_Toc105913"></a><a name="_Toc505355935"></a><a name="_Toc495478116"></a><a name="_Toc481589064"></a><a name="_Toc457490009"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-15</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">2.&#160; Principles of
consolidation, accounting policies and measurement bases applied and recent
IFRS pronouncements</font></b></font><a name="XBRL_TS_d1ebe8bdd3c3478a8181873fc_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_4b60572a8d6a455a9fa948357"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Glossary includes the definition of some of the financial and economic terms
used in Note 2 and subsequent Notes.</font></font><a name="Nota_2_1"></a><a name="Nota_2_1_bclEnd"></a><a name="XBRL_TS_4b60572a8d6a455a9fa948357_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_12d575bd54c44ec2a9efef17e"></a><a name="_Toc105914"></a><a name="_Toc376949874"></a><a name="_Toc376972282"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">2.1&#160;&#160; Principles
of consolidation</font></b></font><a name="XBRL_TS_12d575bd54c44ec2a9efef17e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_dc7068814f8a4e56bc952abca"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In
terms of its consolidation, in accordance with the criteria established by
IFRS, the BBVA Group is made up of four types of entities: subsidiaries, joint
ventures, associates and structured entities, defined as follows:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Subsidiaries</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Subsidiaries are entities controlled by the Group. The financial
statements of the subsidiaries are fully consolidated with those of the Bank.
The share of non-controlling interests from subsidiaries in the Group&#8217;s
consolidated total equity is presented under the heading &#8220;Minority interests
(Non-controlling interests)&#8221; in the consolidated balance sheet. Their share in
the profit or loss for the period or year is presented under the heading
&#8220;Attributable to minority interest (non-controlling interests)&#8221; in the
accompanying consolidated income statement (see Note 31).</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Note 3 includes information related to the main subsidiaries in the Group
as of December 31, 2018. Appendix I includes other significant information on
these entities.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Joint ventures</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Joint ventures are those entities over which there is a joint arrangement
to joint control with third parties other than the Group (for definitions of
joint arrangement, joint control and joint venture, refer to Glossary). </font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The investments in joint ventures are accounted for using the equity
method (see Note 16). Appendix II shows the main figures for joint ventures
accounted for using the equity method. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Associates</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Associates are entities in which the Group is able to exercise
significant influence (for definition of significant influence, see Glossary).
Significant influence is deemed to exist when the Group owns 20% or more of the
voting rights of an investee directly or indirectly, unless it can be clearly
demonstrated that this is not the case.</font></font><a name="XBRL_TS_dc7068814f8a4e56bc952abca_bclEnd"></a></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_4e82ebe2c94b4bcaa388a73cd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">However, certain entities in
which the Group owns 20% or more of the voting rights are not included as Group
associates, since the Group does not have the ability to exercise significant
influence over these entities. Investments in these entities, which do not
represent material amounts for the Group, are classified as &#8220;Financial assets
at fair value through other comprehensive income&#8221;. </font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In contrast, some investments in entities in which the Group holds less
than 20% of the voting rights are accounted for as Group associates, as the
Group is considered to have the ability to exercise significant influence over
these entities. As of December 31, 2018, 2017 and 2016 these entities are not
significant in the Group.</font></font><a name="XBRL_TS_4e82ebe2c94b4bcaa388a73cd_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_a0a02749155848c3b006da178"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Appendix II shows the most
significant information related to the associates (see Note 16), which are
accounted for using the equity method.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Structured Entities</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A structured entity is an entity that has been designed so that voting or
similar rights are not the dominant factor in deciding who controls the entity,
such as when the voting rights relate to administrative matters only and the
relevant activities are directed by means of contractual arrangements (see
Glossary).</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In those cases where the Group sets up entities or has a holding in such
entities, in order to allow its customers access to certain investments, to
transfer risks or for other purposes, in accordance with internal criteria and
procedures and with applicable regulations, the Group determines whether
control over the entity in question actually exists and therefore whether it
should be subject to consolidation.</font></font><a name="XBRL_TS_a0a02749155848c3b006da178_bclEnd"></a></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_aea7cfb19cf64cfa8d0e7fd46"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-16</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_20"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Such methods and procedures determine whether there is control by
the Group, considering how the decisions are made about the relevant
activities, assesses whether the Group has all power over the relevant
elements, exposure, or rights, to variable returns from involvement with the
investee and the ability to use power over the investee to affect the amount of
the investor&#8217;s returns.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Structured</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;"> entities subject to consolidation</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">To determine if a structured entity is controlled by the Group, and
therefore should be consolidated into the Group, the existing contractual
rights (different from the voting rights) are analyzed. For this reason, an
analysis of the structure and purpose of each investee is performed and, among
others, the following factors will be considered:</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Evidence of the current ability to manage the relevant activities of
the investee according to the specific business needs (including any decisions
that may arise only in particular circumstances).</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Potential existence of a special relationship with the investee.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Implicit or explicit Group commitments to support the investee.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- The ability to use the Group&#180;s power over the investee to affect the
amount of the Group&#8217;s returns.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">There are cases where the Group has a high exposure to variable returns
and retains decision-making power over the investee, either directly or through
an agent.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The main structured entities of the Group are the asset securitization
funds, to which the BBVA Group transfers loans and receivables portfolios, and
other vehicles, which allow the Group&#8217;s customers to gain access to certain
investments or to allow for the transfer of risks or for other purposes (see
Appendices I and V). The BBVA Group maintains the decision-making power over
the relevant activities of these vehicles and financial support through
securitized market standard contracts. The most common ones are: investment
positions in equity note tranches, funding through subordinated debt, credit
enhancements through derivative instruments or liquidity lines, management
rights of defaulted securitized assets, &#8220;clean-up&#8221; call derivatives, and asset
repurchase clauses by the grantor.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For these reasons, the loans and receivable portfolios related to the
vast majority of the securitizations carried out by the Bank or Group
subsidiaries are not derecognized in the books of said entity and the issuances
of the related debt securities are recorded as liabilities within the Group&#8217;s
consolidated balance sheet.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">Non-consolidated
structured entities</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group owns other vehicles also for the purpose of allowing customers
access to certain investments, to transfer risks, and for other purposes, but
without the Group having control of the vehicles, which are not consolidated in
accordance with &#8220;IFRS 10 - Consolidated Financial Statements&#8221;. The balance of
assets and liabilities of these vehicles is not material in relation to the
Group&#8217;s Consolidated Financial Statements. </font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016 there was no material financial
support from the Bank or its subsidiaries to unconsolidated structured
entities.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group does not consolidate any of the mutual funds it manages
since the necessary control conditions are not met (see definition of control
in the Glossary). Particularly, the BBVA Group does not act as arranger but as
agent since it operates the mutual funds on behalf and for the benefit of
investors or parties (arranger or arrangers) and, for this reason it does not
control the mutual funds when exercising its authority for decision making.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The mutual funds managed by the Group are not considered structured
entities (generally, retail funds without corporate identity over which
investors have participations which gives them ownership of said managed
equity). These funds are not dependent on a capital structure that could
prevent them from carry out activities without additional financial support,
being in any case insufficient as far as the activities themselves are
concerned. Additionally, the risk of the investment is absorbed by the fund
participants, and the Group is only exposed when it becomes a participant, and
as such, there is no other risk for the Group.</font></font><a name="XBRL_TS_aea7cfb19cf64cfa8d0e7fd46_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_839eb41e26db478d95aa53c13"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In
all cases, the operating results of equity method investees acquired by the
BBVA Group in a particular period only include the period from the date of
acquisition to the financial statements date. Similarly, the results of
entities disposed of during any only include year the period from the start of
the year to the date of disposal.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The consolidated financial
statements of subsidiaries, associates and joint ventures used in the
preparation of the Consolidated Financial Statements of the Group have the same
presentation date as the Consolidated Financial Statements. If financial
statements at those same dates are not available, the most recent will be used,
as long as these are not older than three months, and adjusted to take into
account the most significant transactions. As of December 31, 2018, except for
the case of the consolidated financial statements of two subsidiaries and six
associates and joint-ventures deemed non-significant for which </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">financial
statements</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">as of November 30, 2018 were used, </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">the
December 31, 2018 financial statements for of all Group entities were utilized.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA banking subsidiaries,
associates and joint ventures worldwide, are subject to supervision and
regulation from a variety of regulatory bodies in relation to, among other
aspects, the satisfaction of minimum capital requirements. The obligation to
satisfy such capital requirements may affect the ability of such entities to
transfer funds in the form of cash dividends, loans or advances. In addition,
under the laws of the various jurisdictions where such entities are
incorporated, dividends may only be paid out through funds legally available
for such purpose. Even when the minimum capital requirements are met and funds
are legally available, the relevant regulators or other public administrations
could discourage or delay the transfer of funds to the Group in the form of
cash, dividends, loans or advances for prudential reasons.</font></font><a name="XBRL_TS_839eb41e26db478d95aa53c13_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_0e09f9239bf342d488bbcca23"></a><a name="_Toc105915"></a><a name="_Toc376972283"></a><a name="_Toc376949875"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">2.2&#160;&#160; Accounting
policies and valuation criteria applied</font></b></font><a name="XBRL_TS_0e09f9239bf342d488bbcca23_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_0d219506e9c1480287821f4d6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
accounting standards and policies and the valuation criteria applied in
preparing these Consolidated Financial Statements may differ from those used by
some of the entities within the BBVA Group. For this reason, necessary
adjustments and reclassifications have been made in the consolidation process
to standardize these principles and criteria and comply with the IFRS-IASB.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accounting standards and
policies and valuation criteria used in preparing the accompanying Consolidated
Financial Statements are as follows:</font></font><a name="XBRL_TS_0d219506e9c1480287821f4d6_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_db0fd5207c714b54863c2b384"></a><a name="_Toc105916"></a><a name="_Toc376972284"></a><a name="_Toc376949876"></a><a name="Nota_2_2_1"></a><a name="Nota_2_2_1_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.1&#160;&#160; <a name="XBRL_TS_e091ba31ed8144b185f87502c"></a>Financial instruments</font></b></font><a name="XBRL_TS_db0fd5207c714b54863c2b384_bclEnd"></a><a name="XBRL_TS_e091ba31ed8144b185f87502c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3e2a9810a61e46c9b734e6f42"></a><a name="XBRL_TS_71681a28c55c4775a4005d3a3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As mentioned in Note 1.3, IFRS 9 became
effective as of January 1, 2018 and replaced IAS 39 regarding the
classification and measurement of financial assets and liabilities, the
impairment of financial assets and hedge accounting.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The disclosures related to the financial years 2017 and 2016 are
based on the accounting policies and valuation criteria applicable under IAS
39.</font></font><a name="XBRL_TS_71681a28c55c4775a4005d3a3_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_CS_8ac8e52659cb46b19c35cecc2"></a><a name="XBRL_TS_408d13785b7e4524b160b7efc"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-18</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Classification and measurement of financial assets under IFRS 9</font></b></font><a name="XBRL_TS_408d13785b7e4524b160b7efc_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_5f573a4ba9b24827abbdcd2f4"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Classification of financial assets</font></font><a name="XBRL_TS_5f573a4ba9b24827abbdcd2f4_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_2552076e492d47068ca786276"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 9 contains three main categories for financial assets classification:
measured at amortized cost, measured at fair value with changes through other
comprehensive income, and measured at fair value through profit or loss.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The classification of financial assets measured
at amortized cost or fair value must be carried out on the basis of two tests:
the entity's business model and the assessment of the contractual cash flow,
commonly known as the &quot;solely payments of principle and interest&quot;
criterion (hereinafter, the SPPI).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A debt instrument will be classified in the amortized cost portfolio if </font></font><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">the two following conditions are fulfilled:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The financial asset is managed within a business model whose
purpose is to maintain the financial assets to receive contractual cash flows;
and</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In accordance with the contractual characteristics of the
instrument its cash flows only represent the return of the principal and
interest, basically understood as consideration for the time value of money and
the debtor's credit risk.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A debt instrument will be classified in the
portfolio of financial assets at fair value with changes through other
comprehensive income if the two following conditions are fulfilled:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The financial asset is managed with a business model whose purpose
combines collection of the contractual cash flows and sale of the assets, and</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The contractual characteristics of the instrument generate, at
specific dates, cash flows which only represent the return of the principal and
interest.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A debt instrument will be classified at fair
value with changes in profit and loss provided that the entity's business model
for their management or the contractual characteristics of its cash flows do
not require classification into one of the portfolios described above.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In general, equity instruments will be measured
at fair value through profit or loss. However the Group may make an irrevocable
election at initial recognition to present subsequent changes in the fair value
through other comprehensive income.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial assets will only be reclassified when
BBVA Group decides to change the business model. In this case, all of the
financial assets assigned to this business model will be reclassified. The
change of the objective of the business model should occur before the date of
the reclassification.</font></font><a name="XBRL_TS_2552076e492d47068ca786276_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_17a643a0c0b84c45854dab0ae"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Valuation of financial assets</font></font><a name="XBRL_TS_17a643a0c0b84c45854dab0ae_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_0c6343d3c94a46d7bee89cd86"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All financial instruments are initially recognized at fair value
plus, in the case of a financial asset not at fair value through profit or
loss, transaction costs that are directly attributable to the acquisition or
issue of the instrument.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Excluding all trading derivatives not considered
as accounting or economic hedges, all the changes in the fair value of the
financial instruments arising from the accrual of interest and similar items
are recognized under the headings &#8220;Interest and other income&#8221; or &#8220;Interest
expense&#8221;, as appropriate, in the accompanying consolidated income statement in
the period in which the change occurred (see Note 37). The changes in fair
value after the initial recognition, for reasons other than those mentioned in
the preceding paragraph, are treated as described below, according to the
categories of financial assets.</font></font><a name="XBRL_TS_0c6343d3c94a46d7bee89cd86_bclEnd"></a><font color=windowtext face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_78c5ab58792b45b295ef4fcf8"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-19</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&#8220;Financial assets
held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value
through profit and loss&#8221; and &#8220;Financial assets designated at fair value through
profit or loss&#8221;</font></font><a name="XBRL_TS_78c5ab58792b45b295ef4fcf8_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_b80b6a3255d24987bda6d396f"></a><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial assets are
recorded under the heading &#8220;Financial assets held for trading&#8221; if the objective
of the business model is to generate gains by buying and selling these
financial instruments or generate short-term results. The financial assets
recorded in the heading &#8220;Non-trading financial assets mandatorily at fair value
through profit and loss&#8221; are assigned to a business model which objective is to
obtain the contractual cash flows and / or to sell those instruments but its
contractual cash flows do not comply with the requirements of the SPPI test. In
&#8220;Financial assets designated at fair value through profit or loss&#8221; the Group
classifies financial assets only if it eliminates or significantly reduces a
measurement or recognition inconsistency (an &#8216;accounting mismatch&#8217;) that would
otherwise arise from measuring financial assets or financial liabilities, or
recognizing gains or losses on them, on different bases. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The assets recognized under these headings of the consolidated balance sheets
are measured upon acquisition at fair value and changes in the fair value
(gains or losses) are recognized as their net value under the heading &#8220;Gains
(losses) on financial assets and liabilities, net&#8221; in the accompanying
consolidated income statements (see Note 41). Interests from derivatives
designated as economic hedges on interest rate are recognized in &#8220;Interest and
other income&#8221; or &#8220;Interest expense&#8221; (see Note 37), depending on the result of
the hedging instrument. However, changes in fair value resulting from
variations in foreign exchange rates are recognized under the heading &#8220;Gains
(losses) on financial assets and liabilities, net&#8221; in the accompanying
consolidated income statements (Note 41).</font></font><a name="XBRL_TS_b80b6a3255d24987bda6d396f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_4372e8bfb8744c50861cbec01"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&#8221;Financial assets at fair value through other
comprehensive income&#8221;</font></font><a name="XBRL_TS_4372e8bfb8744c50861cbec01_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><a name="XBRL_TS_8db5622424184e22b6c6c590b"></a><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Debt instruments</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assets recognized under this heading in the consolidated balance sheets
are measured at their fair value. Subsequent changes in fair value (gains or
losses) are recognized temporarily net of tax effect, under the heading
&#8220;Accumulated other comprehensive income- Items that may be reclassified to
profit or loss - Fair value changes of debt instruments measured at fair value
through other comprehensive income&#8221; in the consolidated balance sheets (see
Note 30).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amounts recognized under the headings &#8220;Accumulated other
comprehensive income- Items that may be reclassified to profit or loss - Fair
value changes of financial assets measured at fair value through other
comprehensive income&#8221; and &#8220;Accumulated other comprehensive income- Items that
may be reclassified to profit or loss - Exchange differences&#8221; continue to form
part of the Group's consolidated equity until the corresponding asset is
derecognized from the consolidated balance sheet or until an impairment loss is
recognized on the corresponding financial instrument. If these assets are sold,
these amounts are derecognized and included under the headings &#8220;Gains (losses)
on financial assets and liabilities, net&#8221; or &#8220;Exchange differences, net&quot;,
as appropriate, in the consolidated income statement for the year in which they
are derecognized (see Note 41).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The net impairment losses in &#8220;Financial assets at fair value through
other comprehensive income&#8221; over the year are recognized under the heading
&#8220;Impairment losses on financial assets, net &#8211; Financial assets at fair value
through other comprehensive income&#8221; (see Note 47) in the consolidated income
statements for that period.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Changes in foreign exchange rates which affect monetary items are
recognized under the heading &#8220;Exchange differences, net&quot; in the
accompanying consolidated income statements (see Note 41).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Equity instruments</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group, at the time of the initial recognition, may elect to
present changes in the fair value in other comprehensive income of an
investment in an equity instrument that is not held for trading. The election
is irrevocable and can be made on an instrument-by-instrument basis. Subsequent
changes in fair value (gains or losses) are recognized, under the heading
&#8220;Accumulated other comprehensive income (loss) &#8211; Items that will not be
reclassified to profit or loss &#8211; Fair value changes of equity instruments
measured at fair value through other comprehensive income&#8221;.</font></font><a name="XBRL_TS_8db5622424184e22b6c6c590b_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_63d7ef9497624264bf0ae8a69"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-20</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_24"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&#8220;Financial assets
at amortized cost&#8221;</font></font><a name="XBRL_TS_63d7ef9497624264bf0ae8a69_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_0778367024b34f989c0713ffa"></a><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A financial asset is
classified as subsequently measured at amortized cost if it is held within a
business model whose objective is to hold financial assets in order to collect
and it meets the SPPI Criterion.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The assets under this category are subsequently measured at amortized
cost, using the effective interest rate method.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Net impairment losses of assets recorded under these headings arising in
each period are recognized under the heading &#8220;Impairment or reversal of
impairment on financial assets not measured at fair value through profit or
loss &#8211; financial assets measured at cost&#8221; (see Note 47) in the consolidated
income statement for that period.</font></font><a name="XBRL_TS_0778367024b34f989c0713ffa_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_4876c1aee5ed40ab9b60238d2"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Classification and measurement of financial
liabilities under IFRS 9</font></b></font><a name="XBRL_TS_4876c1aee5ed40ab9b60238d2_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_54d264823ff7427abd814826f"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Classification of financial liabilities</font></font><a name="XBRL_TS_54d264823ff7427abd814826f_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_ce6eb024e88c4a95b4fd7bfca"></a><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Under IFRS 9, financial
liabilities are classified in the following categories:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial liabilities at amortized cost;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial liabilities that are held for trading including
derivatives are financial instruments which are recorded in this category when
the Group&#8217;s objective is to generate gains by buying and selling these
financial instruments;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial liabilities that are designated at fair value through
profit or loss on initial recognition under the Fair Value Option. The Group
has the option to designate irrevocably on initial recognition a financial
liability as at fair value through profit or loss provided that doing so
results in the elimination or significant reduction of measurement or
recognition inconsistency, or if a group of financial liabilities, or a group
of financial assets and financial liabilities, has to be managed, and its
performance evaluated, on a fair value basis in accordance with a documented
risk management or investment strategy.</font></font><a name="XBRL_TS_ce6eb024e88c4a95b4fd7bfca_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_e86e6c4e147247ad8c4ff8e45"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Valuation of financial liabilities</font></font><a name="XBRL_TS_e86e6c4e147247ad8c4ff8e45_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_2956eac26df34677ada91d546"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All financial instruments are initially recognized at fair value
plus, in the case of a financial liability not at fair value through profit or
loss, transaction costs that are directly attributable to the acquisition or
issue of the financial liability. Unless there is evidence to the contrary, the
best evidence of the fair value of a financial instrument at initial
recognition shall be the transaction price.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Excluding all trading derivatives not considered
as accounting or economic hedges, all the changes in the fair value of the
financial instruments arising from the accrual of interest and similar items
are recognized under the headings &#8220;Interest and other income&#8221; or &#8220;Interest
expense&#8221;, as appropriate, in the accompanying consolidated income statement in
the period in which the change occurred (see Note 37).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The changes in fair value after the initial
recognition, for reasons other than those mentioned in the preceding paragraph,
are treated as described below, according to the categories of financial
liabilities.</font></font><a name="XBRL_TS_2956eac26df34677ada91d546_bclEnd"></a><font color=windowtext face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_4cef4187620c43799365cb513"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-21</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_25"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&#8220;Financial
liabilities held for trading&#8221; and &#8220;Financial liabilities designated at fair
value through profit or loss&#8220;</font></font><a name="XBRL_TS_4cef4187620c43799365cb513_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_96012b28d9f84354af0c7ffd2"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The subsequent changes in the fair value (gains or losses) of the
liabilities recognized under these headings of the consolidated balance sheets
are recognized as their net value under the heading &#8220;Gains (losses) on
financial assets and liabilities, net&#8221; in the accompanying consolidated income
statements (see Note 41), except for the financial liabilities designated at
fair value through profit and loss under the fair value option for which the
amount of change in the fair value that is attributable to changes in the own
credit risk which is presented in under the heading &#8220;Accumulated other
comprehensive income (loss) &#8211; Items that will not be reclassified to profit or
loss &#8211; Fair value changes of financial liabilities at fair value through profit
or loss attributable to changes in their </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">credit risk&#8221;</font></font><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. Interests from derivatives designated as economic hedges on
interest rate are recognized in &#8220;Interest and other income&#8221; or &#8220;Interest
expense&#8221; (Note 37), depending on the result of the hedging instrument. However,
changes in fair value resulting from variations in foreign exchange rates are
recognized under the heading &#8220;Gains (losses) on financial assets and
liabilities, net&#8221; in the accompanying consolidated income statements (Note 41).</font></font><a name="XBRL_TS_96012b28d9f84354af0c7ffd2_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_700e47a757ba4f28be7001c36"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&#8220;Financial liabilities at amortized cost&#8221;</font></font><a name="XBRL_TS_700e47a757ba4f28be7001c36_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_d6ba6892b9b94b2bbc069be75"></a><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The liabilities under this
category are subsequently measured at amortized cost, using the effective
interest rate method.</font></font><a name="XBRL_CS_8ac8e52659cb46b19c35cecc2_bclEnd"></a><a name="XBRL_TS_d6ba6892b9b94b2bbc069be75_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_82bef2bae84a4e2a9d9b10863"></a><a name="XBRL_TS_62e20080791e4cfc95755c9f9"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Measurement of financial assets and liabilities
under IAS 39 applicable in the financial years 2017 and 2016</font></b></font><a name="XBRL_TS_62e20080791e4cfc95755c9f9_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_a9be7b7c4dd24c6db32bf40f0"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Measurement of financial instruments and
recognition of changes in subsequent fair value</font></font><a name="XBRL_TS_a9be7b7c4dd24c6db32bf40f0_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_2a35e87a14b347fd9de0615ad"></a><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All financial instruments
are initially accounted for at fair value plus, in the case of a financial
asset or financial liability not at fair value through profit or loss, transaction
costs that are directly attributable to the acquisition or issue of the
financial asset or financial liability. Unless there is evidence to the
contrary, the best evidence of the fair value of a financial instrument at
initial recognition shall be the transaction price.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Excluding all trading derivatives not considered as accounting or
economic hedges, all the changes in the fair value of the financial instruments
arising from the accrual of interest and similar items are recognized under the
headings &#8220;Interest and other income&#8221; or &#8220;Interest expense&#8221;, as appropriate, in
the accompanying consolidated income statement the year in which the change
occurred (see Note 37). The dividends received from other entities, other than
associated entities and joint venture entities, are recognized under the
heading &#8220;Dividend income&#8221; in the accompanying consolidated income statement in
the year in which the right to receive them arises (see Note 38).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The changes in fair value after the
initial recognition, for reasons other than those mentioned in the preceding</font><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> </font><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">paragraph, are treated as described below,
according to the categories of financial assets and liabilities.</font></font><a name="XBRL_TS_2a35e87a14b347fd9de0615ad_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_d553388663a3481bb0a3d7b0f"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&#8220;Financial assets and liabilities held for
trading&#8221; and &#8220;Financial assets and liabilities designated at fair value through
profit or loss&#8221;</font></font><a name="XBRL_TS_d553388663a3481bb0a3d7b0f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d8caeb4fb6b44ea0a11cc3f83"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
assets and liabilities recognized under these headings of the consolidated
balance sheets are measured upon acquisition at fair value and changes in the
fair value (gains or losses) are recognized as their net value under the
heading &#8220;Gains (losses) on financial assets and liabilities, net&#8221; in the
accompanying consolidated income statements (see Note 41). Interests from
derivatives designated as economic or accounting hedges on interest rate are
recognized under the heading &#8220;Interest and other income&#8221; or &#8220;Interest expense&#8221;
(Note 37), depending on the result of the hedging instrument</font><font color=red face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. </font><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Changes in fair value resulting from variations in
foreign exchange rates are recognized under the heading &#8220;Gains (losses) on
financial assets and liabilities, net&#8221; in the accompanying consolidated income
statements (Note 41).</font></font><a name="XBRL_TS_d8caeb4fb6b44ea0a11cc3f83_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_393e84531fc84cca8a2d9b44a"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-22</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
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<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&#8220;Financial assets
at fair value through other comprehensive income&#8221;</font></font><a name="XBRL_TS_393e84531fc84cca8a2d9b44a_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_6eb0c8230e5e4a00ae527fb43"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assets
recognized under this heading in the consolidated balance sheets are measured
at their fair value. Subsequent changes in fair value (gains or losses) are
recognized temporarily net of tax effect, under the heading &#8220;Accumulated other
comprehensive income - Items that may be reclassified to profit or loss -
Financial assets at fair value through other comprehensive income&#8221; in the
consolidated balance sheets (see Note 30).</font></font><a name="XBRL_TS_6eb0c8230e5e4a00ae527fb43_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3943fdf9a5754b6abeefba981"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
amounts recognized under the headings &#8220;Accumulated other comprehensive income -
Items that may be reclassified to profit or loss - Financial assets at fair
value through other comprehensive income&#8221; and &#8220;Accumulated other comprehensive
income - Items that may be reclassified to profit or loss - Exchange
differences&#8221; continue to form part of the Group's consolidated equity until the
corresponding asset is derecognized from the consolidated balance sheet or
until an impairment loss is recognized on the corresponding financial
instrument. If these assets are sold, these amounts are derecognized and
included under the headings &#8220;Gains (losses) on financial assets and
liabilities, net&#8221; or &#8220;Exchange differences, net&quot;, as appropriate, in the
consolidated income statement for the year in which they are derecognized (see
Note 41).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The net impairment losses in
&#8220;Financial assets at fair value through other comprehensive income&#8221; over the
year are recognized under the heading &#8220;Impairment losses on financial assets,
net &#8211; Other financial instruments not at fair value through profit or loss&#8221;
(see Note 47) in the consolidated income statements for that year.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Changes in the value of
non-monetary items resulting from changes in foreign exchange rates are
recognized temporarily under the heading &#8220;Accumulated other comprehensive
income - Items that may be reclassified to profit or loss - Exchange
differences&#8221; in the accompanying consolidated balance sheets. Changes in
foreign exchange rates which affect monetary items are recognized under the
heading &#8220;Exchange differences, net&quot; in the accompanying consolidated
income statements (see Note 41).</font></font><a name="XBRL_TS_3943fdf9a5754b6abeefba981_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_7515417539154265afde8a340"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&#8220;Financial assets and liabilities at amortized
cost&#8221;</font></font><a name="XBRL_TS_7515417539154265afde8a340_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_5546fe3a828e4074b10469397"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assets
and liabilities recognized under these headings in the accompanying
consolidated balance sheets are subsequently measured at &#8220;amortized cost&#8221; using
the &#8220;effective interest rate&#8221; method. This is because the consolidated entities
generally intend to hold such financial instruments to maturity.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Net impairment losses of assets
recognized under these headings arising in each year are recognized under the
heading &#8220;Impairment or reversal of impairment on financial assets not measured
at fair value through profit or loss &#8211; financial assets measured at cost&#8221; (see
Note 47) in the consolidated income statement for that year.</font></font><a name="XBRL_TS_5546fe3a828e4074b10469397_bclEnd"></a><a name="XBRL_TS_82bef2bae84a4e2a9d9b10863_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_af00c328b8284c0481e2ed629"></a><a name="XBRL_TS_5fc63aa131e149c783974b70e"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&#8220;Derivatives-Hedge Accounting&#8221; and &#8220;Fair value
changes of the hedged items in portfolio hedges of interest-rate risk&#8221;
applicable in the financial years 2018, 2017 and 2016</font></b></font><a name="XBRL_TS_5fc63aa131e149c783974b70e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d7667e4699c0426d9f3a1e947"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assets
and liabilities recognized under these headings in the accompanying
consolidated balance sheets are measured at fair</font><font color=#7F7F7F face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> </font><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">value.
&nbsp;</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-23</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Changes
occurring subsequent to the designation of the hedging relationship in the
measurement of financial instruments designated as hedged items as well as
financial instruments designated as hedge accounting instruments are recognized
as follows:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In fair value hedges, the changes in the fair value of the
derivative and the hedged item attributable to the hedged risk are recognized
under the heading &#8220;Gains or losses from hedge accounting, net&#8221; in the
consolidated income statement, with a corresponding offset under the headings
where hedging items (&quot;Hedging derivatives&quot;) and the hedged items are
recognized, as applicable. Almost all of the hedges used by the Group are for
interest-rate risks. Therefore, the valuation changes are recognized under the
headings &#8220;Interest and other income&#8221; or &#8220;Interest expense&#8221;, as appropriate, in
the accompanying consolidated income statement (see Note 37).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In fair value hedges of interest rate risk of a portfolio of
financial instruments (portfolio-hedges), the gains or losses that arise in the
measurement of the hedging instrument are recognized in the consolidated income
statement, and the gains or losses that arise from the change in the fair value
of the hedged item (attributable to the hedged risk) are also recognized in the
consolidated income statement (in both cases under the heading &#8220;Gains or losses
from hedge accounting, net&#8221;, using, as a balancing item, the headings
&quot;Fair value changes of the hedged items in portfolio hedges of interest
rate risk&quot; in the consolidated balance sheets, as applicable).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In cash flow hedges, the gain or loss on the hedging instruments
relating to the effective portion are recognized temporarily under the
heading&#160;&#160; &#8221;Accumulated other comprehensive income - Items that may be
reclassified to profit or loss - Hedging derivatives. Cash flow hedges&#8221; in the
consolidated balance sheets, with a balancing entry under the heading &#8220;Hedging
derivatives&#8221; of the Assets or Liabilities of the consolidated balance sheets as
applicable. These differences are recognized in the accompanying consolidated
income statement under the headings &#8220;Interest and other income&#8221; or &#8220;Interest
expense&#8221; at the time when the gain or loss in the hedged instrument affects
profit or loss, when the forecast transaction is executed or at the maturity
date of the hedged item (see Note 37). </font></font></p>

<p style="border:none;margin-bottom:8.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:107%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:107%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;">Differences in the measurement of the hedging items corresponding
to the ineffective portions of cash flow hedges are recognized directly in the
heading &#8220;Gains or losses from hedge accounting, net&#8221; in the consolidated income
statement (see Note 41).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the hedges of net investments in foreign operations, the
differences attributable to the effective portions of hedging items are
recognized temporarily under the heading &quot;Accumulated other comprehensive
income - Items that may be reclassified to profit or loss &#8211; Hedging of net investments
in foreign transactions&quot; in the consolidated balance sheets with a
balancing entry under the heading &#8220;Hedging derivatives&#8221; of the Assets or
Liabilities of the consolidated balance sheets as applicable. These differences
in valuation are recognized under the heading &#8220;Exchange differences, net&quot;
in the consolidated income statement when the investment in a foreign operation
is disposed of or derecognized (see Note 41).</font></font><a name="XBRL_TS_d7667e4699c0426d9f3a1e947_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_9bba2bbbf8a74f8f83372c261"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Other financial instruments under IAS 39
applicable in the financial years 2017 and 2016</font></b></font><a name="XBRL_TS_9bba2bbbf8a74f8f83372c261_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_9fe68e8dcbf44dca8ff67345b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
following exceptions are applicable with respect to the above general criteria:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Equity instruments whose fair value cannot be determined in a
sufficiently objective manner and financial derivatives that have those
instruments as their underlying asset and are settled by delivery of those
instruments are recorded in the consolidated balance sheet at acquisition cost;
this may be adjusted, where appropriate, for any impairment loss (see Note 8).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Accumulated other comprehensive income arising from financial
instruments classified at the consolidated balance sheet date as &#8220;Non-current
assets and disposal groups classified as held for sale&#8221; are recognized with the
corresponding entry under the heading &#8220;Accumulated other comprehensive income-
Items that may be reclassified to profit or loss &#8211; Non-current assets and
disposal groups classified as held for sale&#8221; in the accompanying consolidated
balance sheets (see note 30).</font></font><a name="XBRL_TS_9fe68e8dcbf44dca8ff67345b_bclEnd"></a><a name="XBRL_TS_af00c328b8284c0481e2ed629_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_484516ac357641079bc85ba15"></a><a name="XBRL_TS_262288fbbe4e47b68f92f81dd"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-24</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Impairment losses
on financial assets</font></b></font><a name="XBRL_TS_262288fbbe4e47b68f92f81dd_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_ef05dea5c7c54c9cb199688d9"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Definition of impaired financial assets under
IFRS 9</font></font><a name="XBRL_TS_ef05dea5c7c54c9cb199688d9_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_cf7392e394014c5e9c36be2dd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 9 replaced the
&quot;incurred loss&quot; model in IAS 39 with one of &quot;expected credit
loss&quot;. The IFRS 9 impairment model is applied to financial assets valued
at amortized cost and to financial assets valued at fair value with changes in
accumulated other comprehensive income, except for investments in equity
instruments and contracts for financial guarantees and loan commitments </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">unilaterally
revocable by BBVA. Likewise, all the financial instruments valued at fair value
with change through profit and loss are excluded from the impairment model</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The new standard classifies
financial instruments into three categories, which depend on the evolution of
their credit risk from the moment of initial recognition. The first category
includes the transactions when they are initially recognized (Stage 1); the
second comprises the financial assets for which a significant increase in
credit risk has been identified since its initial recognition (Stage 2) and the
third one, the impaired financial assets (Stage 3).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The calculation of the provisions
for credit risk in each of these three categories must be done differently. In
this way, expected loss up to 12 months for the financial assets classified in
the first of the aforementioned categories must be recorded, while expected
losses estimated for the remaining life of the financial assets classified in
the other two categories must be recorded. Thus, IFRS 9 differentiates between
the following concepts of expected loss: </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Expected loss at 12 months: expected credit loss that arises from
possible default events within 12 months following the presentation date of the
financial statements; and</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Expected loss during the life of the transaction: this is the
expected credit loss that arises from all possible default events over the
remaining life of the financial instrument.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All this requires considerable
judgment, both in the modeling for the estimation of the expected losses and in
the forecasts, on how the economic factors affect such losses, which must be
carried out on a weighted probability basis. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group has applied the
following definitions in accordance with IFRS 9:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Default</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA has applied a definition of
default for financial instruments that is consistent with that used in internal
credit risk management, as well as the indicators under applicable regulation
at the date of implementation of IFRS 9. Both qualitative and quantitative
indicators have been considered.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group has considered there is a
default when one of the following situations occurs: </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Payment past-due for more than 90 days; or</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">There are reasonable doubts regarding the full reimbursement of
the instrument.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In accordance with IFRS 9, the
90-day past-due stipulation may be waived in cases where the entity considers
it appropriate, based on reasonable and documented information that it is
appropriate to use a longer term. </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, the
Group has not considered periods higher than 90 days for any of the significant
portfolios. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Credit impaired asset</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An asset is credit-impaired
according to IFRS 9 if one or more events have occurred and they have a
detrimental impact on the estimated future cash flows of the asset. Evidence
that a financial asset is credit-impaired includes observable data about the
following events:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Significant financial difficulty of the issuer or the borrower.</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A breach of contract (e.g. a default or past due event).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A lender having granted a concession to the borrower &#8211; for
economic or contractual reasons relating to the borrower&#8217;s financial difficulty
&#8211; that the lender would not otherwise consider.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">It becoming probable that the borrower will enter bankruptcy or
other financial reorganization.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The disappearance of an active market for that financial asset
because of financial difficulties.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The purchase or origination of a financial asset at a deep
discount that reflects the incurred credit losses.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">It may not be possible to identify
a single discrete event. Instead, the combined effect of several events may
cause financial assets to become credit-impaired.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The definition of impaired
financial assets in the Group is aligned with the definition of default
explained in the above paragraphs.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Significant increase in credit risk </font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The objective of the impairment
requirements is to recognize lifetime expected credit losses for financial
instruments for which there have been significant increases in credit risk
since initial recognition considering all reasonable and supportable
information, including that which is forward-looking.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The model developed by the Group
for assessing the significant increase in credit risk has a two-prong approach
that is applied globally, although the specific characteristics of each
geographic area are respected:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Quantitative criterion: the Group uses a quantitative analysis
based on comparing the current expected probability of default over the life of
the transaction with the original adjusted expected probability of default, so
that both values are comparable in terms of expected default probability for
their residual life. The thresholds used for considering a significant increase
in risk take into account special cases according to geographic areas and portfolios.
Depending on how old current transactions are at the time implementation of the
standard, some simplifications were made to compare the probabilities of
default between the current and the initial moment, based on the best
information available at that moment.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Qualitative criterion: most indicators for detecting significant
risk increase are included in the Group's systems through rating/scoring
systems or macroeconomic scenarios, so the quantitative analysis covers the
majority of circumstances. The Group will use additional qualitative criteria
when it considers it necessary to include circumstances that are not reflected
in the rating/score systems or macroeconomic scenarios used. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additionally, instruments under one
of the following circumstances are considered Stage 2:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">More than 30 days past due. According to IFRS 9, default of more
than 30 days is a presumption that can be rebutted in those cases in which the
entity considers, based on reasonable and documented information, that such
non-payment does not represent a significant increase in risk. As of December
31, 2018, the Group has not considered periods higher than 30 days for any of
the significant portfolios.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Watch list: They are subject to special watch by the Risks units
because they show negative signs in their credit quality, even though there may
be no objective evidence of impairment.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Refinance or restructuring that does not show evidence of
impairment.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Although
the standard introduces a series of operational simplifications or practical
solutions for analyzing the increase in significant risk, the Group does not
use them as a general rule. However, for high-quality assets, mainly related to
certain government institutions and bodies, the standard allows for considering
that their credit risk has not increased significantly because they have a low
credit risk at the presentation date.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Thus the classification of
financial instruments subject to impairment under the new IFRS 9 is as follows:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font color=#365F91 face=Symbol style="border:none;"><font color=#365F91 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#365F91 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=#365F91 face=Arial,sans-serif style="border:none;"><font color=#365F91 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Stage 1&#8211; without significant increase in credit risk</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial assets which are not
considered to have significantly increased in credit risk have loss allowances
measured at an amount equal to 12 months expected credit losses. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font color=#365F91 face=Symbol style="border:none;"><font color=#365F91 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#365F91 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=#365F91 face=Arial,sans-serif style="border:none;"><font color=#365F91 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Stage 2&#8211; significant increases in credit risk</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When the credit risk of a financial
asset has increased significantly since the initial recognition, the impairment
losses of that financial instrument is calculated as the expected credit loss
during the entire life of the asset.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font color=#365F91 face=Symbol style="border:none;"><font color=#365F91 face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#365F91 face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=#365F91 face=Arial,sans-serif style="border:none;"><font color=#365F91 face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">Stage 3 &#8211; </font></font><font color=#365F91 face=Arial,sans-serif style="border:none;"><font color=#365F91 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Impaired</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When there is objective evidence
that the instrument is credit impaired, the financial asset is transferred to
this category </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">in which the provision for losses of that financial instrument is
calculated as the expected credit loss </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">during the
entire life of the asset.</font></font><a name="XBRL_TS_cf7392e394014c5e9c36be2dd_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_c1e43e0d478246eca93321a7a"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Definition of impaired financial assets under
IAS 39 applicable in the financial years 2017 and 2016</font></font><a name="XBRL_TS_c1e43e0d478246eca93321a7a_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_2c4dbec1c13b4a5598a175727"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A
financial asset is considered impaired &#8211; and therefore its carrying amount is
adjusted to reflect the effect of impairment &#8211; when there is objective evidence
that events have occurred, which:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the case of debt instruments (loans and advances and debt
securities), reduce the future cash flows that were estimated at the time the
instruments were acquired. So they are considered impaired when there are
reasonable doubts that the carrying amounts will be recovered in full and/or
the related interest will be collected for the amounts and on the dates
initially agreed.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the case of equity instruments, it means that their carrying
amount may not be fully recovered.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As a general rule, the carrying
amount of impaired financial assets is adjusted with a charge to the
consolidated income statement for the year in which the impairment becomes
known. The recoveries of previously recognized impairment losses are reflected,
if appropriate, in the consolidated income statement for the year in which the
impairment is reversed or reduced, with an exception: any recovery of
previously recognized impairment losses for an investment in an equity
instrument classified as financial assets at fair value through other
comprehensive income is not recognized in the consolidated income statement,
but under the heading &quot; Accumulated other comprehensive income - Items
that may be reclassified to profit or loss - financial assets at fair value
through other comprehensive income&quot; in the consolidated balance sheet (see
Note 30).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In general, amounts collected on
impaired loans and receivables are used to recognize the related accrued
interest and any excess amount is used to reduce the unpaid principal. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When the recovery of any recognized
amount is considered remote, such amount is written-off on the consolidated
balance sheet, without prejudice to any actions that may be taken in order to
collect the amount until the rights extinguish in full either because it is
time-barred debt, the debt is forgiven, or other reasons.</font></font><a name="XBRL_TS_2c4dbec1c13b4a5598a175727_bclEnd"></a><a name="XBRL_TS_484516ac357641079bc85ba15_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_7cd4b60af92749078c2a4fb4b"></a><a name="XBRL_TS_e858187ccbdc449b82c069c50"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-27</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Method for
calculating expected credit loss under IFRS 9</font></b></font><a name="XBRL_TS_e858187ccbdc449b82c069c50_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_68460f119d4743e9b7fc57b19"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Method for
calculating expected loss</font></font><a name="XBRL_TS_68460f119d4743e9b7fc57b19_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3be538feb4164c56833b21e9c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In accordance with IFRS 9, the
measurement of expected losses must reflect:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A considered and unbiased amount, determined by evaluating a range
of possible results.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The time value of money.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Reasonable and supportable information that is available without
undue cost or effort and that reflects current conditions and forecasts of
future economic conditions. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group measures the expected
losses both individually and collectively. The purpose of the Group's
individual measurement is to estimate expected losses for significant impaired
instruments, or instruments classified in Stage 2. In these cases, the amount
of credit losses is calculated as the difference between expected discounted
cash flows at the effective interest rate of the transaction and the carrying
amount of the instrument. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For the collective measurement of
expected losses the instruments are grouped into groups of assets based on
their risk characteristics. Exposure within each group is segmented according
to the common credit risk characteristics, similar characteristics of the
credit risk, indicative of the payment capacity of the borrower in accordance
with their contractual conditions. These risk characteristics have to be
relevant in estimating the future flows of each group. The characteristics of
credit risk may consider, among others, the following factors:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Type of instrument.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Rating or scoring tools.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Credit risk scoring or rating.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Type of collateral.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Amount of time at default for stage 3.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Segment.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Qualitative criteria which can have a significant increase in
risk.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Collateral value if it has an impact on the probability of a
default event.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The estimated losses are derived
from the following parameters:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">PD: estimate of the probability of default in each period.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">EAD: estimate of the exposure in case of default at each future
period, taking into account the changes in exposure after the presentation date
of the financial statements. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">LGD: estimate of the loss in case of default, calculated as the
difference between the contractual cash flows and receivables, including
guarantees. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the case of debt securities, the
Group supervises the changes in credit risk through monitoring the external
published credit ratings.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">To determine whether there is a
significant increase in credit risk that is not reflected in the published
ratings, the Group also revises the changes in bond yields, and when they are
available, the prices of CDS, together with the news and regulatory information
available on the issuers.</font></font><a name="XBRL_TS_3be538feb4164c56833b21e9c_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f836c6721d604530a114cf959"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-28</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Use of present, past and future information</font></font><a name="XBRL_TS_f836c6721d604530a114cf959_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_73460f88a8fe4e1da641a68a1"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 9 requires incorporation
of present, past and future information to detect any significant increase in
risk and measure expected loss.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The standard does not require
identification of all possible scenarios for measuring expected loss. However,
the probability of a loss event occurring and the probability it will not occur
have to be considered, even though the possibility of a loss may be very small.
Also, when there is no linear relation between the different future economic
scenarios and their associated expected losses, more than one future economic
scenario must be used for the measurement. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The approach used by the Group
consists of using first the most probable scenario (baseline scenario)
consistent with that used in the Group's internal management processes, and
then applying an additional adjustment, calculated by considering the weighted
average of expected losses in other economic scenarios (one more positive and
the other more negative). The main macroeconomic variables that are valued in
each of the scenarios for each of the geographies in which the Group operates
are Gross Domestic Product (GDP), tax rates, unemployment rate and loan to
value (LTV).</font></font><a name="XBRL_TS_73460f88a8fe4e1da641a68a1_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_babcea9deef849918d6f0a96a"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Method for calculating the impairment on
financial assets under IAS 39 applicable in the financial years 2017 and 2016</font></b></font><a name="XBRL_TS_babcea9deef849918d6f0a96a_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_139a2792d87248f3968c799ed"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
impairment on financial assets is determined by type of instrument and other
circumstances that could affect it, taking into account the guarantees received
to assure (in part or in full) the performance of the financial assets. The
BBVA Group recognizes impairment charges directly against the impaired
financial asset when the likelihood of recovery is deemed remote, and uses an
offsetting or allowance account when it recognizes non-performing loan
provisions for the estimated losses.</font></font><a name="XBRL_TS_139a2792d87248f3968c799ed_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_ecc37cd43c734ad3a967fb1e9"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Impairment of debt instruments measured at
amortized cost</font></font><a name="XBRL_TS_ecc37cd43c734ad3a967fb1e9_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_ec4b601fd07b483180726b60b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With
regard to impairment losses arising from insolvency risk of the obligors
(credit risk), a debt instrument, mainly Loans and receivables, is impaired due
to insolvency when a deterioration in the ability to pay by the obligor is
evidenced, either due to past due status or for other reasons.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group has developed
policies, methods and procedures to estimate incurred losses on outstanding
credit risk. These policies, methods and procedures are applied in the due
diligence, approval and execution of debt instruments and commitments and
guarantees given; as well as in identifying the impairment and, where
appropriate, in calculating the amounts necessary to cover estimated losses.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amount of impairment losses on
debt instruments measured at amortized cost is calculated based on whether the
impairment losses are determined individually or collectively. First it is
determined whether there is objective evidence of impairment individually for
individually significant debt instrument, and collectively for debt instrument
that are not individually significant. If the Group determines that there is no
objective evidence of impairment, the assets are classified in groups of debt
instrument based on similar risk characteristics and impairment is assessed
collectively.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In determining whether there is
objective evidence of impairment the Group uses observable data in the
following aspects:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Significant financial difficulties of the obligors.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Ongoing delays in the payment of interest or principal.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Refinancing of credit due to financial difficulties by the
counterparty.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Bankruptcy or reorganization / liquidation are considered likely.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Disappearance of the active market for a financial asset because
of financial difficulties.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-29</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Observable data indicating a reduction in future cash flows from
the initial recognition such as adverse changes in the payment status of the
counterparty (delays in payments, reaching credit cards limits, etc.).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">National or local economic conditions that are linked to
&quot;defaults&quot; in the financial assets (unemployment rate, falling
property prices, etc.).</font></font><a name="XBRL_TS_ec4b601fd07b483180726b60b_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.4pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-35.4pt;"><a name="XBRL_TS_a7d15111b094431d9906933f0"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Impairment losses on financial assets
individually evaluated for impairment</font></font><a name="XBRL_TS_a7d15111b094431d9906933f0_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_75bea5a372964dee9ec558f43"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
amount of the impairment losses incurred on financial assets represents the
excess of their respective carrying amounts over the present values of their
expected future cash flows. These cash flows are discounted using the original
effective interest rate. If a financial asset has a variable interest rate, the
discount rate for measuring any impairment loss is the current effective rate
determined under the contract.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As an exception to the rule
described above, the market value of listed debt instruments is deemed to be a
fair estimate of the present value of their expected future cash flows.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The following is to be taken into
consideration when estimating the future cash flows of debt instruments:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All amounts that are expected to be recovered over the remaining
life of the debt instrument; including, where appropriate, those which may
result from the collateral and other credit enhancements provided for the debt
instrument (after deducting the costs required for foreclosure and subsequent
sale). Impairment losses include an estimate for the possibility of collecting
accrued, past-due and uncollected interest.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The various types of risk to which each debt instrument is
subject.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The circumstances in which collections will foreseeably be made.</font></font><a name="XBRL_TS_75bea5a372964dee9ec558f43_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_6a66e65b728943e888efcd681"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Impairment losses on financial assets
collectively evaluated for impairment</font></font><a name="XBRL_TS_6a66e65b728943e888efcd681_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f450e42fd2c24091a668caa14"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With
regard to the collective impairment analysis, financial assets are grouped by
risk type considering the debtor's capacity to pay based on the contractual
terms. As part of this analysis, the BBVA Group estimates the impairment loan
losses that are not individually significant, distinguishing between those that
show objective evidence of impairment, and those that do not show objective
evidence of impairment, as well as the impairment of significant loans that the
BBVA Group has deemed as not showing an objective evidence of impairment.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With respect to financial assets
that have no objective evidence of impairment, the Group applies statistical
methods using historical experience and other specific information to estimate
the losses that the Group has incurred as a result of events that have occurred
as of the date of preparation of the Consolidated Financial Statements but have
not been known and will be apparent, individually after the date of submission
of the information. This calculation is an intermediate step until these losses
are identified on an individual level, at which time these financial
instruments will be segregated from the portfolio of financial assets without objective
evidence of impairment.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The incurred loss is calculated
taking into account three key factors: exposure at default, probability of
default and loss given default.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Exposure at default (EAD) is the amount of risk exposure at the
date of default by the counterparty.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Probability of default (PD) is the probability of the counterparty
failing to meet its principal and/or interest payment obligations. The PD is
associated with the rating/scoring of each counterparty/transaction. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Loss given default (LGD) is the estimate of the loss arising in
the event of default. It depends mainly on the characteristics of the
counterparty, and the valuation of the guarantees or collateral associated with
the asset.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In order to calculate the LGD at
each balance sheet date, the Group evaluates the whole amount expected to be
obtained over the remaining life of the financial asset. The recoverable amount
from executable secured </font></font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-30</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_34"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">collateral is estimated based
on the property valuation, discounting the necessary adjustments to adequately
account for the potential fall in value until its execution and sale, as well
as execution costs, maintenance costs and sale costs.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">In addition, to
identify the possible incurred but not reported losses (IBNR) in the unimpaired
portfolio, an additional parameter called &quot;LIP&quot; (loss identification
period) has to be introduced. The LIP parameter is the period between the time
at which the event that generates a given loss occurs and the time when the loss
is identified at an individual level. </font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">When the property
right is contractually acquired at the end of the foreclosure process or when
the assets of distressed borrowers are purchased, the asset is recognized in
the consolidated balance sheets (see Note 2.2.4).</font></font><a name="XBRL_TS_f450e42fd2c24091a668caa14_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_1b17b204696a44e38c2f38d40"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Impairment of other debt instruments classified
as financial assets available for sale</font></font><a name="XBRL_TS_1b17b204696a44e38c2f38d40_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c0cd620f248a43eca1445f30d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
impairment losses on other debt instruments included in the &#8220;Available-for-sale
financial asset&#8221; portfolio are equal to the excess of their acquisition cost
(net of any principal repayment), after deducting any impairment loss
previously recognized in the consolidated income statement over their fair
value.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When there is objective evidence
that the negative differences arising on measurement of these debt instruments
are due to impairment, they are no longer considered as &#8220;Accumulated other
comprehensive income - Items that may be reclassified to profit or loss -
financial assets at fair value through other comprehensive income&#8221; and are
recognized in the consolidated income statement. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">If all, or part of the impairment
losses are subsequently recovered, the amount is recognized in the consolidated
income statement for the year in which the recovery occurred, up to the amount
previously recognized in the income statement.</font></font><a name="XBRL_TS_c0cd620f248a43eca1445f30d_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_0e64cbd65c3d447d8e6cffa39"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Impairment of equity instruments</font></font><a name="XBRL_TS_0e64cbd65c3d447d8e6cffa39_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_75d01256c4b742588843a556c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
amount of the impairment in the equity instruments is determined by the
category where they are recognized:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Equity instruments classified at available for sale at fair value:</font></i></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When there is objective evidence that the negative differences
arising on measurement of these equity instruments are due to impairment, they
are no longer recorded as &#8220;Accumulated other comprehensive income - Items that
may be reclassified to profit or loss - Financial assets available for sale&#8221;
and are recognized in the consolidated income statement. In general, the Group
considers that there is objective evidence of impairment on equity instruments
classified as available-for-sale when significant unrealized losses have
existed over a sustained period of time due to a price reduction of at least
40% or over a period of more than 18 months. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When applying this evidence of impairment, the Group takes into
account the volatility in the price of each individual equity instrument to determine
whether it is a percentage that can be recovered through its sale in the
market; other different thresholds may exist for certain equity instruments or
specific sectors. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, for individually significant investments, the Group
compares the valuation of the most significant equity instruments against
valuations performed by independent experts.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Any recovery of previously recognized impairment losses for an investment
in an equity instrument classified at fair value through other comprehensive
income is not recognized in the consolidated income statement, but under the
heading &quot; Accumulated other comprehensive income - Items that may be
reclassified to profit or loss - financial assets available for sale&quot; in
the consolidated balance sheet (see Note 30).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Equity instruments measured at cost:</font></i></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The impairment losses on equity instruments measured at
acquisition cost are equal to the excess of their carrying amount over the
present value of expected future cash flows discounted at the market rate of
return for similar equity instruments. In order to determine these impairment
losses, unless there is better evidence, an assessment of the equity of the
investee is carried out (excluding Accumulated other comprehensive </font></font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-31</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_35"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">income due to cash flow hedges) based on the last
approved (consolidated) balance sheet, adjusted by the unrealized gains at
measurement date.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Impairment losses are recognized in the consolidated income statement in
the year in which they arise as a direct reduction of the cost of the
instrument. These impairment losses may only be recovered subsequently in the
event of the sale of these assets.</font></font><a name="XBRL_TS_3e2a9810a61e46c9b734e6f42_bclEnd"></a><a name="XBRL_TS_75d01256c4b742588843a556c_bclEnd"></a><a name="XBRL_TS_7cd4b60af92749078c2a4fb4b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_176aa5fc0e0941068a429866e"></a><a name="_Toc105917"></a><a name="_Toc376972285"></a><a name="_Toc376949877"></a><a name="Nota_2_2_2"></a><a name="Nota_2_2_2_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.2&#160;&#160; <a name="XBRL_TS_1f92e904863b4ebaaa29f4069"></a>Transfers and derecognition of
financial assets and liabilities</font></b></font><a name="XBRL_TS_176aa5fc0e0941068a429866e_bclEnd"></a><a name="XBRL_TS_1f92e904863b4ebaaa29f4069_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_8c205de7f7a4409786e610ff3"></a><a name="XBRL_TS_fa42859d9ab946cdbabce5b3c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accounting treatment of
transfers of financial assets is determined by the form in which risks and
benefits associated with the financial assets involved are transferred to third
parties. Thus the financial assets are only derecognized from the consolidated
balance sheet when the cash flows that they generate are extinguished, when
their implicit risks and benefits have been substantially transferred to third
parties or when the control of financial asset is transferred even in case of
no physical transfer or substantial retention of such assets. In the latter
case, the financial asset transferred is derecognized from the consolidated
balance sheet, and any right or obligation retained or created as a result of
the transfer is simultaneously recognized.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Similarly,
financial liabilities are derecognized from the consolidated balance sheet only
if their obligations are extinguished or acquired (with a view to subsequent
cancellation or renewed placement).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group
is considered to have transferred substantially all the risks and benefits if
such risks and benefits account for the majority of the risks and benefits
involved in ownership of the transferred financial assets. If substantially all
the risks and benefits associated with the transferred financial asset are
retained:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The transferred financial asset is not derecognized from the
consolidated balance sheet and continues to be measured using the same criteria
as those used before the transfer.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A financial liability is recognized at the amount equal to the
amount received, which is subsequently measured at amortized cost or fair value
with changes in the income statement, whichever the case.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Both the income generated on the transferred (but not
derecognized) financial asset and the expenses of the new financial liability
continue to be recognized.</font></font><a name="XBRL_TS_8c205de7f7a4409786e610ff3_bclEnd"></a><a name="XBRL_TS_fa42859d9ab946cdbabce5b3c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_b8f32d5ec7784520922d0c77b"></a><a name="_Toc105918"></a><a name="_Toc376949878"></a><a name="_Toc376972286"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.3&#160;&#160; </font></b></font><a name="XBRL_TS_83223a86024c4109ac7358fe5"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Financial guarantees</font></b></font><a name="XBRL_TS_83223a86024c4109ac7358fe5_bclEnd"></a><a name="XBRL_TS_b8f32d5ec7784520922d0c77b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_dc4ee768c56543f48aeb72a70"></a><a name="XBRL_TS_127f99fba0a44268bc717a2bd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial guarantees are
considered to be those contracts that require their issuer to make specific
payments to reimburse the holder of the financial guarantee for a loss incurred
when a specific borrower breaches its payment obligations on the terms &#8211; whether
original or subsequently modified &#8211; of a debt instrument, irrespective of the
legal form it may take. Financial guarantees may take the form of a deposit,
bank guarantee, insurance contract or credit derivative, among others.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In
their initial recognition, financial guarantees are recognized as liabilities
in the consolidated balance sheet at fair value, which is generally the present
value of the fees, commissions and interest receivable from these contracts
over the term thereof, and the Group simultaneously recognize a corresponding
asset in the consolidated balance sheet for the amount of the fees and
commissions received at the inception of the transactions and the amounts
receivable at the present value of the fees, commissions and interest
outstanding.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-32</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_36"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial
guarantees, irrespective of the guarantor, instrumentation or other
circumstances, are reviewed periodically so as to determine the credit risk to
which they are exposed and, if appropriate, to consider whether a provision is
required for them. The credit risk is determined by application of criteria
similar to those established for quantifying impairment losses on debt
instruments measured at amortized cost (see Note 2.2.1).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The provisions recognized for
financial guarantees considered impaired are recognized under the heading
&#8220;Provisions - Provisions for contingent risks and commitments&#8221; on the liability
side in the consolidated balance sheets (see Note 24). These provisions are
recognized and reversed with a charge or credit, respectively; to &#8220;Provisions
or reversal of provision&#8221; in the consolidated income statements (see Note 46).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Income from financial guarantees is
recorded under the heading &#8220;Fee and commission income&#8221; in the consolidated
income statement and is calculated by applying the rate established in the
related contract to the nominal amount of the guarantee (see Note 40).</font></font><a name="XBRL_TS_127f99fba0a44268bc717a2bd_bclEnd"></a><a name="XBRL_TS_dc4ee768c56543f48aeb72a70_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_448eaf7dd9344e5796f2021c6"></a><a name="_Toc105919"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.4&#160;&#160; </font></b></font><a name="XBRL_TS_a23172a932034b6a83f413633"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Non-current
assets and disposal groups held for sale and liabilities included in disposal
groups classified as held for sale </font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">and Liabilities included in
disposal groups classified as held for sale</font></b></font><a name="XBRL_TS_448eaf7dd9344e5796f2021c6_bclEnd"></a><a name="XBRL_TS_a23172a932034b6a83f413633_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_4a1c43debdbb41ceb44596ba1"></a><a name="XBRL_TS_928b3e4b9e38405e96ca012f0"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The headings &#8220;Non-current
assets and disposal groups held for sale&#8221; and &#8220;Liabilities included in disposal
groups classified as held for sale&#8221; in the consolidated balance sheets includes
the carrying amount of assets that are not part of the BBVA Group&#8217;s operating
activities. The recovery of this carrying amount is expected to take place
through the price obtained on its disposal (see Note 21).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These headings include individual
items and groups of items (&#8220;disposal groups&#8221;) and disposal groups that form
part of a major operating segment and are being held for sale as part of a
disposal plan (&#8220;discontinued operations&#8221;). The heading </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&#8220;Non-current assets and
disposal groups held for sale&#8221;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> include the assets received by the
subsidiaries from their debtors, in full or partial settlement of the debtors&#8217;
payment obligations (assets foreclosed or received in payment of debt and
recovery of lease finance transactions), unless the Group has decided to make
continued use of these assets. The BBVA Group has units that specialize in real
estate management and the sale of this type of asset.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Symmetrically, the heading
&#8220;Liabilities included in disposal groups classified as held for sale&#8221; in the
consolidated balance sheets reflects the balances payable arising from disposal
groups and discontinued operations.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non-current assets and disposal
groups classified as held for sale are generally measured, at the acquisition
date and at any later date deemed necessary, at either their carrying amount or
the fair value of the property (less costs to sell), whichever is lower.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the case of real estate assets
foreclosed or received in payment of debts, they are initially recognized at
the lower of: the restated carrying amount of the financial asset and the fair
value at the time of the foreclosure or receipt of the asset less estimated
sales costs. The carrying amount of the financial asset is updated at the time
of the foreclosure, treating the real property received as a secured collateral
and taking into account the credit risk coverage that would correspond to it
according to its classification prior to the delivery. For these purposes, the
collateral will be valued at its current fair value (less sale costs) at the
time of foreclosure. This carrying amount will be compared with the previous carrying
amount and the difference will be recognized as a provision increase, if
applicable. On the other hand, the fair value of the foreclosed asset is
obtained by appraisal, evaluating the need to apply a discount on the asset
derived from the specific conditions of the asset or the market situation for
these assets, and in any case, deducting the company&#8217;s estimated sale costs.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-33</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_37"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">At the time
of the initial recognition, these real estate assets foreclosed or received in
payment of debts, classified as &#8220;Non-current assets and disposal groups held
for sale&#8221; and &#8220;Liabilities included in disposal groups classified as held for
sale&#8221; are valued at the lower of: their restated fair value less estimated sale
costs and their carrying amount; a deterioration or impairment reversal can be
recognized for the difference if applicable.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non-current assets and disposal
groups held for sale groups classified as held for sale are not depreciated
while included under the heading &#8220;Non-current assets and disposal groups held
for sale&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Fair value of non-current assets
held for sale from foreclosures or recoveries is based, mainly, in appraisals
or valuations made by independent experts&nbsp;on an annual basis or more
frequently, should there be indicators of impairment. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Gains and losses generated on the
disposal of assets and liabilities classified as non-current held for sale, and
liabilities included in disposal groups classified as held for sale as well as
impairment losses and, where pertinent, the related recoveries, are recognized
in &#8220;Profit or loss from non-current assets and disposal groups classified as
held for sale not qualifying as discontinued operations&#8221; in the consolidated
income statement (see Note 50). The remaining income and expense items
associated with these assets and liabilities are classified within the relevant
consolidated income statement headings.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Income and expenses for
discontinued operations, whatever their nature, generated during the year, even
if they have occurred before their classification as discontinued operations,
are presented net of the tax effect as a single amount under the heading
&#8220;Profit from discontinued operations&#8221; in the consolidated income statement,
whether the business remains on the consolidated balance sheet or is
derecognized from the consolidated balance sheet. As long as an asset remains
in this category, it will not be amortized. This heading includes the earnings
from their sale or other disposal.</font></font><a name="XBRL_TS_4a1c43debdbb41ceb44596ba1_bclEnd"></a><a name="XBRL_TS_928b3e4b9e38405e96ca012f0_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_78b04482baad4330ac5a4d1c3"></a><a name="_Toc105920"></a><a name="_Toc376949880"></a><a name="_Toc376972288"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.5&#160;&#160; Tangible
assets</font></b></font><a name="XBRL_TS_78b04482baad4330ac5a4d1c3_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_594f3e33fd3f424aa55c343dc"></a><a name="XBRL_TS_3ff1cf133ee248a59f1420659"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Property, plant and equipment for own use</font></font><a name="XBRL_TS_3ff1cf133ee248a59f1420659_bclEnd"></a><a name="XBRL_TS_594f3e33fd3f424aa55c343dc_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_880e3244d50b4a7e98931f7cc"></a><a name="XBRL_TS_9f8f686065ff48d0a025df087"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This heading includes the
assets under ownership or acquired under finance lease, intended for future or
current use by the BBVA Group and that it expects to hold for more than one
year. It also includes tangible assets received by the consolidated entities in
full or partial settlement of financial assets representing receivables from
third parties and those assets expected to be held for continuing use.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Property, plant and equipment for
own use are presented in the consolidated balance sheets at acquisition cost,
less any accumulated depreciation and, where appropriate, any estimated
impairment losses resulting from comparing this net carrying amount of each
item with its corresponding recoverable amount (see Note 17).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Depreciation is calculated using
the straight-line method, on the basis of the acquisition cost of the assets
less their residual value; the land is considered to have an indefinite life
and is therefore not depreciated</font></font><a name="XBRL_TS_9f8f686065ff48d0a025df087_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_1fb85b73ce2b42efbf634c8f7"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The tangible asset depreciation charges are
recognized in the accompanying consolidated income statements under the heading
&quot;Depreciation and Amortization&quot; (see Note 45) and are based on the
application of the following depreciation rates (determined on the basis of the
average years of estimated useful life of the various assets):</font></font><a name="XBRL_TS_1fb85b73ce2b42efbf634c8f7_bclEnd"></a><a name="XBRL_TS_880e3244d50b4a7e98931f7cc_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_2.3_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Depreciation Rates for Tangible Assets</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=89% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Type of
  Assets</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Annual
  Percentage</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=89% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Buildings for own use</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1% - 4%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=89% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Furniture</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8% - 10%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=89% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fixtures</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6% - 12%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=89% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Office supplies and
  hardware</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8% - 25%</font></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-34</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_38"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_0cd62d3c01c143ae98ffd88c9"></a><a name="XBRL_TS_fd1767a844444990a6d57af0a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">At each reporting date, the Group entities
analyze whether there are internal or external indicators that a tangible asset
may be impaired. When there is evidence of impairment, the Group analyzes
whether this impairment actually exists by comparing the asset&#8217;s net carrying
amount with its recoverable amount (as the higher between its recoverable
amount less disposal costs and its value in use). When the carrying amount
exceeds the recoverable amount, the carrying amount is written down to the
recoverable amount and depreciation charges going forward are adjusted to
reflect the asset&#8217;s remaining useful life.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Similarly, if there is any
indication that the value of a tangible asset is now recoverable, the
consolidated entities will estimate the recoverable amounts of the asset and
recognize it in the consolidated income statement, recording the reversal of
the impairment loss recognized in previous years and thus adjusting future
depreciation charges. Under no circumstances may the reversal of an impairment
loss on an asset raise its carrying amount above that which it would have if no
impairment losses had been recognized in prior years.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the BBVA Group, most of the
buildings held for own use are assigned to the different Cash-Generating-Units
(CGU) to which they belong. The corresponding impairment analysis are performed
for these CGUs to check whether sufficient cash flows are generated to support
the value of the assets comprised within.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Running and maintenance expenses
relating to tangible assets held for own use are recognized as an expense in
the year they are incurred and recognized in the consolidated income statements
under the heading &quot;Administration costs - Other administrative expenses -
Property, fixtures and equipment&quot; (see Note 44.2).</font></font><a name="XBRL_TS_fd1767a844444990a6d57af0a_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_9000e3389f8a4d2ab28efd162"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Other assets leased out under an operating
lease</font></font><a name="XBRL_TS_9000e3389f8a4d2ab28efd162_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f93a2c718c9646a7b4f217263"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
criteria used to recognize the acquisition cost of assets leased out under
operating leases, to calculate their depreciation and their respective estimated
useful lives and to recognize the impairment losses on them, are the same as
those described in relation to tangible assets for own use.</font></font><a name="XBRL_TS_f93a2c718c9646a7b4f217263_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_108432db26ad4576ae7c659c1"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Investment properties</font></font><a name="XBRL_TS_108432db26ad4576ae7c659c1_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_fc7907817e054be09c4140635"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
heading &#8220;Tangible assets - Investment properties&#8221; in the consolidated balance
sheets reflects the net values (purchase cost minus the corresponding
accumulated depreciation and, if appropriate, estimated impairment losses) of
the land, buildings and other structures that are held either to earn rentals
or for capital appreciation through sale and that are neither expected to be
sold off in the ordinary course of business nor are destined for own use (see
Note 17).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The criteria used to recognize the
acquisition cost of investment properties, calculate their depreciation and
their respective estimated useful lives and recognize the impairment losses on
them, are the same as those described in relation to tangible assets held for
own use.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group determines
periodically the fair value of its investment properties in such a way that, at
the end of the financial year, the fair value reflects the market conditions of
investment property assets&#8217; market at this date. This fair value will be
determined taking as references the valuations performed by independent
experts.</font></font><a name="XBRL_TS_0cd62d3c01c143ae98ffd88c9_bclEnd"></a><a name="XBRL_TS_fc7907817e054be09c4140635_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_033f69021ec741f8b8cd22468"></a><a name="_Toc105921"></a><a name="_Toc376949881"></a><a name="_Toc376972289"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-35</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_39"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.6&#160;&#160; <a name="XBRL_TS_cf715fa9cc494e7b83ceade56"></a>Inventories</font></b></font><a name="XBRL_TS_033f69021ec741f8b8cd22468_bclEnd"></a><a name="XBRL_TS_cf715fa9cc494e7b83ceade56_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_604f28f0786d47db9aa2ab533"></a><a name="XBRL_TS_96b352cddd2f488a980a19f62"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balance under the heading
&#8220;Other assets - Inventories&#8221; in the consolidated balance sheets mainly includes
the land and other properties that the BBVA Group&#8217;s real estate entities hold
for development and sale as part of their real estate development activities
(see Note 20).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The cost of inventories includes
those costs incurred in their acquisition and development, as well as other
direct and indirect costs incurred in getting them to their current condition
and location.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the case of the cost of real
estate assets accounted for as inventories, the cost is comprised of: the
acquisition cost of the land, the cost of urban planning and construction,
non-recoverable taxes and costs corresponding to construction supervision, coordination
and management. Financing cost incurred during the year form part of cost,
provided that the inventories require more than a year to be in a condition to
be sold.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Properties purchased from customers
in distress, which the Group manages for sale, are measured at the acquisition
date and any subsequent time, at either their related carrying amount or the
fair value of the property (less costs to sell), whichever is lower. The
carrying amount at acquisition date of these properties is defined as the
balance pending collection on those assets that originated said purchases (net
of provisions).</font></font><a name="XBRL_TS_604f28f0786d47db9aa2ab533_bclEnd"></a><a name="XBRL_TS_96b352cddd2f488a980a19f62_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_368a11bbcbc0448081c5bf878"></a><a name="XBRL_TS_9f66111d1d084a3690140e4a0"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Impairment</font></font><a name="XBRL_TS_9f66111d1d084a3690140e4a0_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_98198651897e47d29c0e973f6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
amount of any subsequent adjustment due to inventory valuation for reasons such
as damage, obsolescence, reduction in sale price to its net realizable value,
as well as losses for other reasons and, if appropriate, subsequent recoveries
of value up to the limit of the initial cost value, are recognized under the
heading &quot;Impairment or reversal of impairment on non-financial assets&#8221; in
the accompanying consolidated income statements (see Note 48) for the year in
which they are incurred.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the case of the above mentioned
real-estate assets, if the fair value less costs to sell is lower than the carrying
amount of the loan recognized in the consolidated balance sheet, a loss is
recognized under the heading &quot;Impairment or reversal of impairment on
non-financial assets&quot; in the consolidated income statement for the year.
In the case of real-estate assets accounted for as inventories, the BBVA
Group&#8217;s criterion for determining their net realizable value is mainly based on
independent appraisals no more than one year old, or less if there are
indications of impairment.</font></font><a name="XBRL_TS_368a11bbcbc0448081c5bf878_bclEnd"></a><a name="XBRL_TS_98198651897e47d29c0e973f6_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_0abfa0070eb94307ba86d91a5"></a><a name="XBRL_TS_7af8bfd5634c4da4b30b33070"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Inventory sales</font></font><a name="XBRL_TS_7af8bfd5634c4da4b30b33070_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_bb03da3ac83c4b52a988abc3d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In
sale transactions, the carrying amount of inventories is derecognized from the
consolidated balance sheet and recognized as an expense under the income
statement heading &quot;Other operating expenses &#8211; Changes in inventories&#8221; in
the year in which the income from its sale is recognized. This income is
recognized under the heading &#8220;Other operating income &#8211; Financial income from
non-financial services&#8221; in the consolidated income statements (see Note 42).</font></font><a name="XBRL_TS_0abfa0070eb94307ba86d91a5_bclEnd"></a><a name="XBRL_TS_bb03da3ac83c4b52a988abc3d_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_a1df7b1ff20e46f195efd6455"></a><a name="_Toc105922"></a><a name="_Toc376949882"></a><a name="_Toc376972290"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.7&#160;&#160; </font></b></font><a name="XBRL_TS_9b0c2c141efd4429acc654768"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Business combinations</font></b></font><a name="XBRL_TS_9b0c2c141efd4429acc654768_bclEnd"></a><a name="XBRL_TS_a1df7b1ff20e46f195efd6455_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_bcfcb7d9a1774ca285cd80bf3"></a><a name="XBRL_TS_ba6a42af3a274fa9b7080c897"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A business combination is a
transaction, or any other deal, by which the Group obtains control of one or
more businesses. It is accounted for by applying the acquisition method.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">According to this method, the
acquirer has to recognize the assets acquired and the liabilities and
contingent liabilities assumed, including those that the acquired entity had
not recognized in the accounts. The method involves the measurement of the
consideration received for the business combination and its allocation to the
assets, liabilities and contingent liabilities measured according to their fair
value, at the purchase date, as well as the recognition of any non-controlling
participation (minority interests) that may arise from the transaction.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-36</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_40"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In a
business combination achieved in stages, the acquirer shall remeasure its
previously held equity interest in the acquiree at its acquisition-date fair
value and recognize the resulting gain or loss, if any, in profit or loss under
the heading &#8220;Gains (losses) on derecognition of non-financial assets and
subsidiaries, net&#8221; of the consolidated income statements. In prior reporting
periods, the acquirer may have recognized changes in the value of its equity
interest in the acquiree in other comprehensive income. If so, the amount that
was recognized in other comprehensive income shall be recognized on the same
basis as would be required if the acquirer had disposed directly of the
previously held equity interest.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, the acquirer shall
recognize an asset in the consolidated balance sheet under the heading
&#8220;Intangible asset - Goodwill&#8221; if on the acquisition date there is a positive
difference between:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">the sum of the consideration transferred, the amount of all the
non-controlling interests and the fair value of stock previously held in the
acquired business; and </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">the net fair value of the assets acquired and liabilities assumed.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">If this difference is negative, it
shall be recognized directly in the income statement under the heading
&#8220;Negative goodwill recognized in profit or loss&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non-controlling interests in the
acquired entity may be measured in two ways: either at their fair value; or at
the proportional percentage of net assets identified in the acquired entity.
The method of valuing non-controlling interest may be elected in each business
combination. BBVA Group has always elected for the second method.</font></font><a name="XBRL_TS_ba6a42af3a274fa9b7080c897_bclEnd"></a><a name="XBRL_TS_bcfcb7d9a1774ca285cd80bf3_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_b2177d57c539462e952f06742"></a><a name="_Toc105923"></a><a name="_Toc376972291"></a><a name="_Toc376949883"></a><a name="Nota_2_2_8"></a><a name="Nota_2_2_8_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.8&#160;&#160; Intangible assets</font></b></font><a name="XBRL_TS_b2177d57c539462e952f06742_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_11eba29a5aac44e694f672f6e"></a><a name="XBRL_TS_8773d43ee86b466cb5d89edeb"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Goodwill</font></font><a name="XBRL_TS_8773d43ee86b466cb5d89edeb_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_437a0f23a8a245578fef8b573"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Goodwill
represents a portion of consideration transferred in advance by the acquiring
entity for the future economic benefits from assets that cannot be individually
identified and separately recognized. Goodwill is never amortized. It is
subject periodically to an impairment analysis, and is written off if there has
been impairment (see Note 18).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Goodwill is assigned to one or more
cash-generating units that expect to be the beneficiaries of the synergies
derived from the business combinations. The cash-generating units represent the
Group&#8217;s smallest identifiable asset groups that generate cash flows for the
Group and that are largely independent of the flows generated from the Group&#8217;s
other assets or groups of assets. Each unit or units to which goodwill is
allocated:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Is the lowest level at which the entity manages goodwill
internally.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Is not larger than an operating segment.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The cash-generating units to which
goodwill has been allocated are tested for impairment (including the allocated
goodwill in their carrying amount). This analysis is performed at least
annually or more frequently if there is any indication of impairment.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For the purpose of determining the
impairment of a cash-generating unit to which a part of goodwill has been
allocated, the carrying amount of that cash-generating unit, adjusted by the
theoretical amount of the goodwill attributable to the non-controlling
interests, in the event they are not valued at fair value, is compared with its
recoverable amount.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-37</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_41"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
recoverable amount of a cash-generating unit is equal to the fair value less
sale costs or its value in use, whichever is greater. Value in use is
calculated as the discounted value of the cash flow projections that the unit&#8217;s
management estimates and is based on the latest budgets approved for the coming
years. The main assumptions used in its calculation are: a sustainable growth
rate to extrapolate the cash flows indefinitely, and the discount rate used to
discount the cash flows, which is equal to the cost of the capital assigned to
each cash-generating unit, and equivalent to the sum of the risk-free rate plus
a risk premium inherent to the cash-generating unit being evaluated for
impairment.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">If the carrying amount of the
cash-generating unit exceeds the related recoverable amount, the Group
recognizes an impairment loss; the resulting loss is apportioned by reducing,
first, the carrying amount of the goodwill allocated to that unit and, second,
if there are still impairment losses remaining to be recognized, the carrying amount
of the remainder of the assets. This is done by allocating the remaining loss
in proportion to the carrying amount of each of the assets in the unit. In the
event the non-controlling interests are measured at fair value, the
deterioration of goodwill attributable to non-controlling interests will be
recognized. In any case, an impairment loss recognized for goodwill shall not
be reversed in a subsequent period.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Goodwill impairment losses are
recognized under the heading &quot;Impairment or reversal of impairment on
non-financial assets &#8211; Intangible assets&#8221; in the consolidated income statements
(see Note 48).</font></font><a name="XBRL_TS_11eba29a5aac44e694f672f6e_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_6d61837f4f4d4b85983d81612"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Other intangible assets</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These assets may have an indefinite
useful life if, based on an analysis of all relevant factors, it is concluded
that there is no foreseeable limit to the period over which the asset is
expected to generate net cash flows for the consolidated entities. In all other
cases they have a finite useful life (see Note 18).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Intangible assets with a finite
useful life are amortized according to the duration of this useful life, using
methods similar to those used to depreciate tangible assets. The defined useful
life intangible asset is made up mainly of IT applications acquisition costs
which have a useful life of 3 to 5 years. The depreciation charge of these
assets is recognized in the accompanying consolidated income statements under
the heading &quot;Depreciation and amortization&quot; (see Note 45).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#222222 face=Arial,sans-serif style="background:white;border:none;"><font color=#222222 face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:115%;">The
consolidated entities recognize any impairment loss on the carrying amount of
these assets with charge to the heading &#8220;Impairment or reversal of impairment
on non - financial assets- Intangible assets&#8221; in the accompanying consolidated
income statements (see Note 48). </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The criteria used to recognize
the impairment losses on these assets and, where applicable, the recovery of
impairment losses recognized in prior years, are similar to those used for
tangible assets.</font></font><a name="XBRL_TS_437a0f23a8a245578fef8b573_bclEnd"></a><a name="XBRL_TS_6d61837f4f4d4b85983d81612_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_980e60168ffc410a9879308c3"></a><a name="_Toc105924"></a><a name="_Toc376949884"></a><a name="_Toc376972292"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.9&#160;&#160; </font></b></font><a name="XBRL_TS_0fb5c336f4d74c0db7f23b120"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Insurance and reinsurance contracts</font></b></font><a name="XBRL_TS_0fb5c336f4d74c0db7f23b120_bclEnd"></a><a name="XBRL_TS_980e60168ffc410a9879308c3_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_2dd9eca4e54f492f962f01978"></a><a name="XBRL_TS_65d05da7037849bdbe494ad84"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The assets and liabilities of
the BBVA Group&#8217;s insurance subsidiaries are recognized according to their
nature under the corresponding headings of the consolidated balance sheets, and
the initial recognition and valuation is carried out according to the criteria
set out in IFRS 4.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The heading &#8220;Insurance and
reinsurance assets&#8221; in the accompanying consolidated balance sheets includes
the amounts that the consolidated insurance subsidiaries are entitled to
receive under the reinsurance contracts entered into by them with third parties
and, more specifically, the reinsurer&#180;s share of the technical provisions
recognized by the consolidated insurance subsidiaries.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The heading &#8220;Liabilities under
insurance and reinsurance contracts&#8221; in the accompanying consolidated balance
sheets includes the technical provisions for direct insurance and inward
reinsurance recognized by the consolidated insurance subsidiaries to cover
claims arising from insurance contracts open at period-end (see Note 23).
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-38</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The income
or expenses reported by the BBVA Group&#8217;s consolidated insurance subsidiaries on
their insurance activities is recognized, in accordance with their nature, in
the corresponding items of the consolidated income statements.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The consolidated insurance entities
of the BBVA Group recognize the amounts of the premiums written and a charge
for the estimated cost of the claims that will be incurred at their final
settlement to their consolidated income statements. At the close of each year
the amounts collected and unearned, as well as the costs incurred and unpaid,
are accrued.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The most significant provisions
recorded by consolidated insurance entities with respect to insurance policies
issued by them are set out by their nature in Note 23.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">According to the type of product,
the provisions may be as follows:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Life insurance
provisions:</font></b></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Represents the
value of the net obligations undertaken with the life insurance policyholder.
These provisions include:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:37.4pt;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provisions for unearned premiums. These are intended for the
accrual, at the date of calculation, of the premiums written. Their balance
reflects the portion of the premiums received until the closing date that has
to be allocated to the period from year-end to the end of the insurance policy
period.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:37.4pt;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Mathematical reserves: Represents the value of the life insurance
obligations of the insurance entities at year-end, net of the policyholder&#8217;s
obligations, arising from life insurance contracted.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non-life
insurance provisions:</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:37.4pt;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provisions for unearned premiums. These provisions are intended
for the accrual, at the date of calculation, of the premiums written. Their
balance reflects the portion of the premiums received until the closing date
that has to be allocated to the period between the year-end and the end of the
policy period.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:37.4pt;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provisions for unexpired risks: The provision for unexpired risks
supplements the provision for unearned premiums by the amount by which that
provision is not sufficient to reflect the assessed risks and expenses to be
covered by the consolidated insurance subsidiaries in the policy period not
elapsed at year-end.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provision for
claims:</font></b></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">This
reflects the total amount of the outstanding obligations arising from </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">claims incurred
prior to year-end. Insurance subsidiaries calculate this</font><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;"> </font><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">provision as the difference between the total estimated or
certain cost of the claims not yet reported, settled or paid, and the total
amounts already paid in relation to these claims. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provision for
bonuses and rebates:</font></b></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">This
provision includes the amount of the bonuses </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">accruing to policyholders,
insurees or beneficiaries and the premiums to be returned to policyholders or
insurees, as the case may be, based on the behavior of the risk insured, to the
extent that such amounts have not been individually assigned to each of them.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Technical provisions for reinsurance ceded:</font></b></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Calculated
by applying the criteria indicated </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">above for direct insurance, taking account of
the assignment conditions established in the open reinsurance contracts.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-39</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Other technical provisions:</font></b></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Insurance
entities have recognized provisions to cover the probable </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">mismatches in the
market reinvestment interest rates with respect to those used in the valuation
of the technical provisions.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA
Group controls and monitors the exposure of the insurance subsidiaries to
financial risk and, to this end, uses internal methods and tools that enable it
to measure credit risk and market risk and to establish the limits for these
risks.</font></font><a name="XBRL_TS_2dd9eca4e54f492f962f01978_bclEnd"></a><a name="XBRL_TS_65d05da7037849bdbe494ad84_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_1ddbda5280b04ae482d07b57a"></a><a name="_Toc105925"></a><a name="_Toc376949885"></a><a name="_Toc376972293"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.10&#160;&#160; Tax
assets and liabilities</font></b></font><a name="XBRL_TS_1ddbda5280b04ae482d07b57a_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_6946ec303d69475da64efe2d0"></a><a name="XBRL_TS_c8b595d710c647ea94295658b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Expenses on corporate income
tax applicable to the BBVA Group&#8217;s Spanish entities and on similar income taxes
applicable to consolidated foreign entities are recognized in the consolidated
income statement, except when they result from transactions on which the
profits or losses are recognized directly in equity, in which case the related
tax effect is also recognized in equity. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The total corporate income tax
expense is calculated by aggregating the current tax arising from the
application of the corresponding tax rate as per the tax base for the year
(after deducting the tax credits or discounts allowable for tax purposes) and
the change in deferred tax assets and liabilities recognized in the
consolidated income statement.</font></font><a name="XBRL_TS_c8b595d710c647ea94295658b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d3b790d818be48778509d53c9"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deferred
tax assets and liabilities include temporary differences, defined as the
amounts to be payable or recoverable in future years arising from the
differences between the carrying amount of assets and liabilities and their tax
bases (the &#8220;tax value&#8221;), and tax loss and tax credit or discount carry forwards
(see Note 19).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The &quot;Tax Assets&quot; line
item in the accompanying consolidated balance sheets includes the amount of all
the assets of a tax nature, broken down into: &quot;Current&#8221; (amounts of tax
recoverable in the next twelve months) and &quot;Deferred&quot; (which includes
the amount of tax to be recovered in future years, including those arising from
tax losses or credits for deductions or rebates that can be compensated). The
&quot;Tax Liabilities&quot; line item in the accompanying consolidated balance
sheets includes the amount of all the liabilities of a tax nature, except for
provisions for taxes, broken down into: &quot;Current&#8221; (income tax payable on
taxable profit for the year and other taxes payable in the next twelve months)
and &quot;Deferred&quot; (the amount of corporate tax payable in subsequent
years).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deferred tax liabilities
attributable to taxable temporary differences associated with investments in
subsidiaries, associates or joint venture entities are recognized as such,
except where the Group can control the timing of the reversal of the temporary
difference and it is unlikely that it will reverse in the future. Deferred tax
assets are recognized to the extent that it is considered probable that the consolidated
entities will have sufficient taxable profits in the future against which the
deferred tax assets can be utilized and are not from the initial recognition
(except in the case of a business combination) of other assets or liabilities
in a transaction that does not affect the fiscal outcome or the accounting
result.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The deferred tax assets and
liabilities recognized are reassessed by the consolidated entities at each
balance sheet date in order to ascertain whether they still qualify as deferred
tax assets and liabilities, and the appropriate adjustments are made on the
basis of the findings of the analyses performed. In those circumstances in
which it is unclear how a specific requirement of the tax law applies to a
particular transaction or circumstance, and the acceptability of the definitive
tax treatment depends on the decisions taken by the relevant taxation authority
in future, the entity recognizes current and deferred tax liabilities and
assets considering whether it is probable or not that a taxation authority will
accept an uncertain tax treatment.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-40</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_44"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Thus, if
the entity concludes that it is not probable that the taxation authority will
accept an uncertain tax treatment, the entity uses the amount expected to be
paid to (recovered from) the taxation authorities.</font></font><a name="XBRL_TS_d3b790d818be48778509d53c9_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_79c5b5e020724c11b468c5869"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
income and expenses directly recognized in consolidated equity that do not
increase or decrease taxable income are accounted for as temporary differences.</font></font><a name="XBRL_TS_6946ec303d69475da64efe2d0_bclEnd"></a><a name="XBRL_TS_79c5b5e020724c11b468c5869_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_076b01d9b3e046e5aabcba783"></a><a name="_Toc105926"></a><a name="_Toc376949886"></a><a name="_Toc376972294"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.11&#160;&#160; </font></b></font><a name="XBRL_TS_a9a7c03de7274241801da7032"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Provisions, contingent assets and contingent
liabilities</font></b></font><a name="XBRL_TS_076b01d9b3e046e5aabcba783_bclEnd"></a><a name="XBRL_TS_a9a7c03de7274241801da7032_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_519044a189f14b3d8e844ecee"></a><a name="XBRL_TS_55e3597e17424cd9a7594713a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The heading &#8220;Provisions&#8221; in
the consolidated balance sheets includes amounts recognized to cover the BBVA
Group&#8217;s current obligations arising as a result of past events. These are
certain in terms of nature but uncertain in terms of amount and/or settlement
date. The settlement of these obligations is deemed likely to entail an outflow
of resources embodying economic benefits (see Note 24). The obligations may
arise in connection with legal or contractual provisions, valid expectations
formed by Group entities relative to third parties in relation to the
assumption of certain responsibilities or through virtually certain
developments of particular aspects of the regulations applicable to the
operation of the entities; and, specifically, future legislation to which the
Group will certainly be subject. The provisions are recognized in the
consolidated balance sheets when each and every one of the following
requirements is met:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">They represent a current obligation that has arisen from a past
event. At the date of the Consolidated Financial Statements, there is more
probability that the obligation will have to be met than that it will not.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">It is probable that an outflow of resources embodying economic
benefits will be required to settle the obligation.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amount of the obligation can be reasonably estimated.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Among other items, these provisions
include the commitments made to employees by some of the Group entities
(mentioned in Note 2.2.12), as well as provisions for tax and legal litigation.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Contingent assets are possible
assets that arise from past events and whose existence is conditional on, and
will be confirmed only by, the occurrence or non-occurrence of events beyond
the control of the Group. Contingent assets are not recognized in the
consolidated balance sheet or in the consolidated income statement; however,
they will be disclosed, should they exist, in the Notes to the Consolidated
Financial Statements, provided that it is probable will give rise to an
increase in resources embodying economic benefits.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Contingent liabilities are possible
obligations of the Group that arise from past events and whose existence is
conditional on the occurrence or non-occurrence of one or more future events
beyond the control of the Group. They also include the existing obligations of
the Group when it is not probable that an outflow of resources embodying
economic benefits will be required to settle them; or when, in extremely rare
cases, their amount cannot be measured with sufficient reliability. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Contingent liabilities are not
recognized in the consolidated balance sheet or the income statement (excluding
contingent liabilities from business combination) but are disclosed in the
Notes to the Consolidated Financial Statements, unless the possibility of an
outflow of resources embodying economic benefits is remote.</font></font><a name="_Toc376972295"></a><a name="_Toc376949887"></a><a name="Nota_2_2_12"></a><a name="Nota_2_2_12_bclEnd"></a><a name="XBRL_TS_519044a189f14b3d8e844ecee_bclEnd"></a><a name="XBRL_TS_55e3597e17424cd9a7594713a_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_36ad3a5adeb542edb3566ef72"></a><a name="_Toc105927"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.12&#160;&#160; </font></b></font><a name="XBRL_TS_567ce0dfd3354fe6834479926"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Pensions and
other post-employment commitments</font></b></font><a name="XBRL_TS_36ad3a5adeb542edb3566ef72_bclEnd"></a><a name="XBRL_TS_567ce0dfd3354fe6834479926_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_703065722029426da8fa2779a"></a><a name="XBRL_TS_c4e98a90227145d99fbb15fbf"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Below we provide a description
of the most significant accounting policies relating to post-employment and other
employee benefit commitments assumed by BBVA Group entities (see Note 25).
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-41</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_45"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Short-term employee benefits</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Benefits for current active
employees which are accrued and settled during the year and for which a
provision is not required in the entity&#180;s accounts. These include wages and
salaries, social security charges and other personnel expenses.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Costs are charged and recognized
under the heading &#8220;Administration costs &#8211; Personnel expenses &#8211; Other personnel expenses&#8221;
of the consolidated income statement (see Note 44.1).</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Post-employment
benefits &#8211; Defined-contribution plans</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group sponsors
defined-contribution plans for the majority of its active employees. The amount
of these benefits is established as a percentage of remuneration and/or as a
fixed amount.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The contributions made to these
plans in each year by BBVA Group entities are charged and recognized under the
heading &#8220;Administration costs &#8211; Personnel expenses &#8211; Defined-contribution plan
expense&#8221; of the consolidated income statement (see Note 44.1). </font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Post-employment
benefits &#8211; Defined-benefit plans</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Some Group entities maintain
pension commitments with employees who have already retired or taken early
retirement, certain closed groups of active employees still accruing defined
benefit pensions, and in-service death and disability benefits provided to most
active employees. These commitments are covered by insurance contracts, pension
funds and internal provisions.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, some of the Spanish
entities have offered certain employees the option to retire before their
normal retirement age, recognizing the necessary provisions to cover the costs
of the associated benefit commitments, which include both the liability for the
benefit payments due as well as the contributions payable to external pension funds
during the early retirement period.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Furthermore, certain Group entities
provide welfare and medical benefits which extend beyond the date of retirement
of the employees entitled to the benefits.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All of these commitments are
quantified based on actuarial valuations, with the amounts recorded under the
heading &#8220;Provisions &#8211; Provisions for pensions and similar obligations&#8221; in the
consolidated balance sheet and determined as the difference between the value
of the defined-benefit commitments and the fair value of plan assets at the
date of the Consolidated Financial Statements (see Note 25).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Current service cost are charged
and recognized under the heading &#8220;Administration costs &#8211; Personnel expenses &#8211;
Defined-benefit plan expense&#8221; of the consolidated income statement (see Note 44.1).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Interest credits/charges relating
to these commitments are charged and recognized under the headings &#8220;Interest
and other income&#8221; and &#8220;Interest expense&#8221; of the consolidated income statement
(see Note 37).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Past service costs arising from
benefit plan changes as well as early retirements granted during the year are
recognized under the heading &#8220;Provisions or reversals of provisions&#8221; of the
consolidated income statement (see Note 46).</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Other long-term
employee benefits</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition to the above
commitments, certain Group entities provide long-term service awards to their
employees, consisting of monetary amounts or periods of vacation granted upon
completion of a number of years of qualifying service.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-42</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_46"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These
commitments are quantified based on actuarial valuations and the amounts
recorded under the heading &#8220;Provisions &#8211; Other long-term employee benefits&#8221; of
the consolidated balance sheet (see Note 24).</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Valuation of
commitments: actuarial assumptions and recognition of gains/losses</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The present value of these
commitments is determined based on individual member data. Active employee
costs are determined using the &#8220;projected unit credit&#8221; method, which treats
each period of service as giving rise to an additional unit of benefit and
values each unit separately.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In establishing the actuarial
assumptions we take into account that:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">They should be unbiased, i.e. neither unduly optimistic nor
excessively conservative.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Each assumption does not contradict the others and adequately
reflect the existing relationship between economic variables such as price
inflation, expected wage increases, discount rates and the expected return on
plan assets, etc. Future wage and benefit levels should be based on market
expectations, at the balance sheet date, for the period over which the
obligations are to be settled.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The interest rate used to discount benefit commitments is determined
by reference to market yields, at the balance sheet date, on high quality
bonds.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group recognizes actuarial
gains/losses relating to early retirement benefits, long service awards and
other similar items under the heading &#8220;Provisions or reversal of provisions&#8221; of
the consolidated income statement for the period in which they arise (see Note
46). Actuarial gains/losses relating to pension and medical benefits are directly
charged and recognized under the heading &quot;Accumulated other comprehensive
income &#8211; Items that will not be reclassified to profit or loss &#8211; Actuarial
gains or losses on defined benefit pension plans&quot; of equity in the
consolidated balance sheet (see Note 30).</font></font><a name="XBRL_TS_703065722029426da8fa2779a_bclEnd"></a><a name="XBRL_TS_c4e98a90227145d99fbb15fbf_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_c94f6cc039e24bb082dc86e50"></a><a name="_Toc105928"></a><a name="_Toc376949888"></a><a name="_Toc376972296"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.13&#160;&#160; </font></b></font><a name="XBRL_TS_4ba5fb249846406cbd3fc2dd8"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Equity-settled share-based payment transactions</font></b></font><a name="XBRL_TS_4ba5fb249846406cbd3fc2dd8_bclEnd"></a><a name="XBRL_TS_c94f6cc039e24bb082dc86e50_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f68fbd7bfe3f4985ba5761978"></a><a name="XBRL_TS_42829ed57ea94302b6305381d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provided they constitute the
delivery of such equity instruments following the completion of a specific
period of services, equity-settled share-based payment transactions are recognized
as an expense for services being provided by employees, by way of a balancing
entry under the heading &#8220;Shareholders&#8217; funds &#8211; Other equity instruments&#8221; in the
consolidated balance sheet. These services are measured at fair value for the
employees services received, unless such fair value cannot be calculated
reliably. In such case, they are measured by reference to the fair value of the
equity instruments granted, taking into account the date on which the
commitments were granted and the terms and other conditions included in the
commitments.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When the initial compensation
agreement includes what may be considered market conditions among its terms,
any changes in these conditions will not be reflected in the consolidated
income statement, as these have already been accounted for in calculating the
initial fair value of the equity instruments. Non-market vesting conditions are
not taken into account when estimating the initial fair value of equity
instruments, but they are taken into account when determining the number of
equity instruments to be issued. This will be recognized on the consolidated
income statement with the corresponding increase in total consolidated equity.</font></font><a name="XBRL_TS_42829ed57ea94302b6305381d_bclEnd"></a><a name="XBRL_TS_f68fbd7bfe3f4985ba5761978_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_617d9259b94747219566b8fa7"></a><a name="_Toc105929"></a><a name="_Toc376949889"></a><a name="_Toc376972297"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.14&#160;&#160; </font></b></font><a name="XBRL_TS_623d3c5be9e4423aa8b9ff03e"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Termination benefits</font></b></font><a name="XBRL_TS_617d9259b94747219566b8fa7_bclEnd"></a><a name="XBRL_TS_623d3c5be9e4423aa8b9ff03e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_556082388ec54c64a513c0acf"></a><a name="XBRL_TS_c222dbf483bd42baa0dd64813"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Termination benefits are
recognized in the financial statements when the BBVA Group agrees to terminate
employment contracts with its employees and has established a detailed plan.</font></font><a name="XBRL_TS_556082388ec54c64a513c0acf_bclEnd"></a><a name="XBRL_TS_c222dbf483bd42baa0dd64813_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">
&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_7d9a9de3698d45afb3fe169f4"></a><a name="_Toc105930"></a><a name="_Toc376949890"></a><a name="_Toc376972298"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-43</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_47"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.15&#160;&#160; <a name="XBRL_TS_465b7129ede645669447871da"></a>Treasury </font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">shares</font></b></font><a name="XBRL_TS_465b7129ede645669447871da_bclEnd"></a><a name="XBRL_TS_7d9a9de3698d45afb3fe169f4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_73f0eae560c840e28a06756be"></a><a name="XBRL_TS_9e7321f524554f52a4a7442e6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The value of common stock
issued by the BBVA Group&#8217;s entities and held by them - basically, shares and
derivatives on the Bank&#8217;s shares held by some consolidated entities that comply
with the requirements to be recognized as equity instruments - are recognized
as a decrease to net equity, under the heading &quot;Shareholders&#8217; funds -
Treasury stock&quot; in the consolidated balance sheets (see Note 29).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These financial assets are
recognized at acquisition cost, and the gains or losses arising on their
disposal are credited or debited, as appropriate, to the heading &#8220;Shareholders&#8217;
funds - Retained earnings&#8221; in the consolidated balance sheets (see Note 28).</font></font><a name="XBRL_TS_73f0eae560c840e28a06756be_bclEnd"></a><a name="XBRL_TS_9e7321f524554f52a4a7442e6_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_d5fe302ad55f48e18167a0eeb"></a><a name="_Toc105931"></a><a name="_Toc376949891"></a><a name="_Toc376972299"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.16&#160;&#160; </font></b></font><a name="XBRL_TS_12aca49f99a14fb58a7dd4c56"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Foreign-currency transactions and exchange
differences</font></b></font><a name="XBRL_TS_12aca49f99a14fb58a7dd4c56_bclEnd"></a><a name="XBRL_TS_d5fe302ad55f48e18167a0eeb_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_be89ae6503f04df9872e85dac"></a><a name="XBRL_TS_6761f697c4d24d9889f2ba1f3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group&#8217;s functional
currency, and thus the currency in which the Consolidated Financial Statements
are presented, is the euro. As such, all balances and transactions denominated
in currencies other than the euro are deemed to be denominated in &#8220;foreign
currency&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Conversion to euros of the balances
held in foreign currency is performed in two consecutive stages:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Conversion of the foreign currency to the entity&#8217;s functional
currency (currency of the main economic environment in which the entity
operates); and</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Conversion to euros of the balances held in the functional
currencies of the entities whose functional currency is not the euro.</font></font><a name="XBRL_TS_6761f697c4d24d9889f2ba1f3_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_c5334e25d3aa4f73ab1633796"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Conversion of the foreign currency to the
entity&#8217;s functional currency</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Transactions denominated in foreign
currencies carried out by the consolidated entities (or entities accounted for
using the equity method) are initially accounted for in their respective
currencies. Subsequently, the monetary balances in foreign currencies are
converted to their respective functional currencies using the exchange rate at
the close of the financial year. In addition,</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non-monetary items valued at their historical cost are converted
to the functional currency at the exchange rate applicable on the purchase
date.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non-monetary items valued at their fair value are converted at the
exchange rate in force on the date on which such fair value was determined.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Income and expenses are converted at the period&#8217;s average exchange
rates for all the operations carried out during the year. When applying this
criterion the BBVA Group considers whether significant variations have taken
place in exchange rates during the year which, owing to their impact on the
statements as a whole, may require the application of exchange rates as of the
date of the transaction instead of such average exchange rates.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The exchange differences produced
when converting the balances in foreign currency to the functional currency of
the consolidated entities are generally recognized under the heading
&quot;Exchange differences, net&quot; in the consolidated income statements
(see Note 41). However, the exchange differences in non-monetary items,
measured at fair value, are recognized temporarily in consolidated equity under
the heading &#8220;Accumulated other comprehensive income - Items that may be
reclassified to profit or loss - Exchange differences&#8221; in the consolidated
balance sheets (see Note 30).
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-44</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Conversion of functional currencies to euros</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balances in the financial
statements of consolidated entities whose functional currency is not the euro
are converted to euros as follows:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assets and liabilities: at the closing spot exchange rates as of
the date of each of the consolidated balance sheets.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Income and expenses and cash flows are converted by applying the
exchange rate applicable on the date of the transaction, and the average
exchange rate for the financial year may be used, unless it has undergone
significant variations.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Equity items: at the historical exchange rates.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The exchange differences arising
from the conversion to euros of balances in the functional currencies of the
consolidated entities whose functional currency is not the euro are recognized
under the heading &#8220;Accumulated other comprehensive income &#8211; Items that may be
reclassified to profit or loss - Exchange differences&#8221; in the consolidated
balance sheets (Notes 30 and 31 respectively). Meanwhile, the differences
arising from the conversion to euros of the financial statements of entities accounted
for by the equity method are recognized under the heading &quot; Accumulated
other comprehensive income - Items that may be reclassified to profit or loss -
Entities accounted for using the equity method&quot; (Note 30) until the item
to which they relate is derecognized, at which time they are recognized in the
income statement.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The financial statements of
companies of hyperinflationary economies are restated for the effects of changes
in prices before their conversion to euros following the provisions of IAS 29
&quot;Financial information in hyperinflationary economies&quot; (see note
2.2.20). Both these adjustments for inflation and the exchange differences that
arise when converting the financial statements of companies into
hyperinflationary economies are accounted for in Reserves.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the main
consolidated balances in foreign currencies, with reference to the most
significant foreign currencies, is set forth in Appendix VII.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Venezuela</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Local financial statements of the
Group subsidiaries in Venezuela are expressed in Venezuelan Bolivar, and
converted into euros for the consolidated financial statements. As Venezuela is
a country with strong exchange restrictions and has different rates officially
published, since December 31, 2015, the Board of Directors considers that the
use of the Venezuelan official exchanges rates for converting bolivars into
euros in preparing the Consolidated Financial Statements does not reflect the
true picture of the financial statements of the Group and the financial
position of the Group subsidiaries in Venezuela. Therefore, since the year
ended December 31, 2015, the exchange rate for converting bolivars into euros
is an estimation taking into account the lack of official data and the
evolution of the estimated inflation in Venezuela. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and
2016, the impact on the financial statements that would have resulted by
applying the last published official exchange rate instead of the exchange rate
estimated by BBVA Group was not significant.</font></font><a name="XBRL_TS_be89ae6503f04df9872e85dac_bclEnd"></a><a name="XBRL_TS_c5334e25d3aa4f73ab1633796_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-45</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.17&#160;&#160; <a name="XBRL_TS_30ce60116d954408bccb93ff4"></a>Recognition of income and expenses</font></b></font><a name="XBRL_TS_30ce60116d954408bccb93ff4_bclEnd"></a><a name="XBRL_TS_483edcb49ded4926acc614eac_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_81fe23dd0ae644a5aadf34a30"></a><a name="XBRL_TS_dd4c675ddda54554a0a428d5a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The most significant policies
used by the BBVA Group to recognize its income and expenses are as follows.</font></font><a name="XBRL_TS_dd4c675ddda54554a0a428d5a_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_c487d0975bb7463c876d8f473"></a><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Interest income and expenses
and similar items:</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As a general rule, </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">interest
income and expenses and similar items are recognized on the basis of their
period of accrual using the effective interest rate method. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">They shall </font></font><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">be</font></font><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">
recognized within the consolidated income statement according to the following
criteria, independently from the financial instruments&#8217; portfolio which
generates the income or expenses:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The interest income past-due before the initial recognition and
pending to be received will form part of the gross carrying amount of the debt
instrument.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The interest income accrued after the initial recognition will
form part of the gross carrying amount of the debt instrument until it will be
received.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The financial fees and commissions
that arise on the arrangement of loans and advances (basically origination and
analysis fees) are deferred and recognized in the income statement over the
expected life of the loan</font></font><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. From that amount, the transaction costs identified
as directly attributable to the arrangement of the loans and advances will be
deducted. These fees are part of the effective interest rate for the loans and
advances. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Once a</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> debt instrument has been impaired, interest
income is recognized applying the effective interest rate used to discount the
estimated recoverable cash flows on the carrying amount of the asset.</font></font><a name="XBRL_TS_c487d0975bb7463c876d8f473_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_f59ca0c3c17b4cc882d91963f"></a><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Income from dividends
received:</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Dividends shall be </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">recognized</font></font><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">
within the consolidated income statement according to the following</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">criteria,
independently from the financial instruments&#8217; portfolio which generates this
income:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When the right to receive payment has been declared before the
initial recognition and when the payment is pending to be received, the
dividends will not form part of the gross carrying amount of the equity
instrument and will not be recognized as income. Those dividends are accounted
for as financial assets separately from the net equity instrument.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">If the right to receive payment is received after the initial
recognition, the dividends from the net equity instruments will be recognized
within the consolidated income statement. If the dividends correspond
indubitable to the profits of the issuer before the date of initial
recognition, they will not be recognized as income but as reduction of the
gross carrying amount of the equity instrument because it represents a partly
recuperation of the investment. Amongst other circumstances, the generation
date can be considered to be prior to the date of initial recognition if the
amounts distributed by the issuer as from the initial recognition are higher
than its profits during the same period.</font></font><a name="XBRL_TS_f59ca0c3c17b4cc882d91963f_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-46</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Commissions, fees and similar items:</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Income and expenses relating to commissions and similar fees are
recognized in the consolidated income statement using criteria that vary
according to the nature of such items. </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">The most significant items in this connection are:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Those relating to financial assets and liabilities measured at
fair value through profit or loss, which are recognized when collected/paid.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Those arising from transactions or services that are provided over
a period of time, which are recognized over the life of these transactions or
services.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Those relating to a singular transaction, which are recognized
when this singular transaction is carried out.</font></font><a name="XBRL_TS_b2fb2445d5be427c90cdd5ea1_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_1f4b63286460434a93d2a6fd9"></a><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non-financial income and
expenses:</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These are recognized for accounting purposes on an accrual basis.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deferred collections and payments:</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These are recognized for accounting purposes at the amount
resulting from discounting the expected cash flows at market rates.</font></font><a name="XBRL_TS_1f4b63286460434a93d2a6fd9_bclEnd"></a><a name="XBRL_TS_81fe23dd0ae644a5aadf34a30_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_5b830e762b324b19820995902"></a><a name="_Toc105933"></a><a name="_Toc376972301"></a><a name="_Toc376949893"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.18&#160;&#160; </font></b></font><a name="XBRL_TS_b63971b431994295a04f92e0b"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Sales of assets and income from the provision
of non-financial services</font></b></font><a name="XBRL_TS_5b830e762b324b19820995902_bclEnd"></a><a name="XBRL_TS_b63971b431994295a04f92e0b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_4a58d32adb1f4045a9f00a351"></a><a name="XBRL_TS_3b4d95e01e234533884eaf883"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The heading &#8220;Other operating
income&#8221; in the consolidated income statements includes the proceeds of the
sales of assets and income from the services provided by the Group entities
that are not financial institutions. In the case of the Group, these entities
are mainly real estate and service entities (see Note 42).</font></font><a name="XBRL_TS_3b4d95e01e234533884eaf883_bclEnd"></a><a name="XBRL_TS_4a58d32adb1f4045a9f00a351_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_160b7ee7ce4c44ddacf55831a"></a><a name="_Toc105934"></a><a name="_Toc376972302"></a><a name="_Toc376949894"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.19&#160;&#160; </font></b></font><a name="XBRL_TS_e63231182ac44c7f86e15decc"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Leases</font></b></font><a name="XBRL_TS_160b7ee7ce4c44ddacf55831a_bclEnd"></a><a name="XBRL_TS_e63231182ac44c7f86e15decc_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_a4aa171f084f4997a31f32b5d"></a><a name="XBRL_TS_8e72531092f24d40b574c270f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Lease contracts are classified
as finance leases from the inception of the transaction if they substantially
transfer all the risks and rewards incidental to ownership of the asset forming
the subject-matter of the contract. Leases other than finance leases are
classified as operating leases.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When the consolidated entities act
as the lessor of an asset under finance leases, the aggregate present values of
the lease payments receivable from the lessee plus the guaranteed residual
value (normally the exercise price of the lessee&#8217;s purchase option on
expiration of the lease agreement) are recognized as financing provided to
third parties and, therefore, are included under the heading &#8220;Loans and
receivables&#8221; in the accompanying consolidated balance sheets (see Note 14).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When the consolidated entities act
as lessors of an asset in operating leases, the acquisition cost of the leased
assets is recognized under &quot;Tangible assets &#8211; Property, plant and
equipment &#8211; Other assets leased out under an operating lease&quot; in the
consolidated balance sheets (see Note 17). These assets are depreciated in line
with the criteria adopted for items of tangible assets for own use, while the
income arising from the lease arrangements is recognized in the consolidated
income statements on a straight-line basis within &quot;Other operating
expenses&quot; (see Note 42).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">If a fair value sale and leaseback
results in an operating lease, the profit or loss generated from the sale is
recognized in the consolidated income statement at the time of sale. If such a
transaction gives rise to a finance lease, the corresponding gains or losses
are accrued over the lease period.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-47</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The assets
leased out under operating lease contracts to other entities in the Group are
treated in the Consolidated Financial Statements as for own use, and thus
rental expense and income is eliminated in consolidation and the corresponding
depreciation is recognized.</font></font><a name="XBRL_TS_8e72531092f24d40b574c270f_bclEnd"></a><a name="XBRL_TS_a4aa171f084f4997a31f32b5d_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_a2e161a53ac0405c8196d8f2f"></a><a name="_Toc105935"></a><a name="_Toc376949898"></a><a name="_Toc376972306"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.2.20&#160;&#160; </font></b></font><a name="XBRL_TS_a30ecd27b92c40c482ee050cc"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">Entities and branches located in countries with
hyperinflationary economies</font></b></font><a name="XBRL_TS_a2e161a53ac0405c8196d8f2f_bclEnd"></a><a name="XBRL_TS_a30ecd27b92c40c482ee050cc_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b023d7224d944ec7a074642c5"></a><a name="XBRL_TS_1e507ba856644360af66efca5"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In accordance with the IFRS criteria, to
determine whether an economy has a high inflation rate, the country's economic
situation is examined, analyzing whether certain circumstances are fulfilled,
such as whether the population prefers to keep its wealth or savings in
non-monetary assets or in a relatively stable foreign currency, whether prices
can be set in that currency, whether interest rates, wages and prices are
pegged to a price index or whether the accumulated inflation rate over three
years reaches or exceeds 100%. The fact that any of these circumstances is
fulfilled will not be a decisive factor in considering an economy
hyperinflationary, but it does provide some reasons to consider it as such. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Argentina</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_74fe5290327842ea9e92ca12e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In 2018, the Argentinian economy was considered
to be hyperinflationary as defined by the aforementioned criteria. Accordingly,
as of December 31, 2018, it was necessary to adjust the financial statements of
the Group's subsidiaries based in Argentina to correct for the effect of
inflation.</font></font><a name="XBRL_CS_74fe5290327842ea9e92ca12e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_306b709e83184a5b8d41f98e6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Pursuant to the requirements of IAS 29, the
monetary headings (mainly loans and deposits) have not been re-expressed, while
the non-monetary headings (mainly tangible fixed assets and equity) have been
re- expressed in accordance with the change in the country's Consumer Price
Index.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The accumulated historical differences between
the re-expressed costs and the previous costs in the non-monetary headings as
of December 31, 2017 were credited to &#8220;Equity&#8221; in the balance sheet, effective
on January 1, 2018, while the differences corresponding to 2018, and the
re-expression of results were recognized in the consolidated income statement
for 2018 in accordance with the nature of the income and expenses.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-48</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">During the year
ended December 31, 2018 there was a reclassification in &#8220;Transfers within total
equity&#8221; of the Consolidated Statements of Changes in Equity between
&#8220;Accumulated other comprehensive income&#8221; and &#8220;Shareholders&#8217; funds &#8211; Retained
earnings&#8221; for &#8364;1,096 million, and from &#8220;Non-controlling interest &#8211; Accumulated
other comprehensive income (loss)&#8221; to &#8220;Non-controlling interest &#8211; Other&#8221; for
&#8364;540 million in accordance with IAS 29 and the accounting policy approved by
the Group in relation to the hyperinflation (see Note 1.3).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">During 2018, the increase in the reserves of
Group entities located in Argentina derived from the re-expression for
hyperinflation (IAS 29) amounted to &#8364;703 million, of which &#8364;463 million have
been recorded within &#8220;Shareholders&#8217; funds - Retained earnings&#8221; and &#8364;240 million
within &#8220;Minority interests &#8211; Other&#8221;. Furthermore, during 2018 the decrease in
the reserves of Group entities located in Argentina derived from conversion
(IAS 21) amounts to &#8364;-773 million, of which &#8364;-515 million have been recorded
within &#8220;Shareholders&#8217; funds - Retained earnings&#8221;, and &#8364;-258 million within
&#8220;Minority interests &#8211; Other&#8221;. The net impact of both effects is presented under
the caption &#8220;Other increases or (-) decreases in equity&#8221; in the consolidated
Statement of Changes in Equity for the year ended December 31, 2018. The net
loss in the profit attributable to the parent company of the Group in 2018
derived from the application of IAS 29 amounted to &#8364;209 million. In addition,
there is a net loss in the profit attributable to the parent company of the
Group in 2018 derived from the application of IAS 21 which amounted to &#8364;57
million.</font></font><a name="XBRL_CS_306b709e83184a5b8d41f98e6_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the General Price Index
(&#8220;GPI&#8221;) and the inflation index used as of December 31, 2018 for the inflation
restatement of the financial statements of the Group companies located in
Argentina is as follows:</font></font><a name="XBRL_TS_1e507ba856644360af66efca5_bclEnd"></a><a name="XBRL_TS_b023d7224d944ec7a074642c5_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_2.2_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><u><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General Price
  Index </font></u></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">GPI</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">184</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average GPI</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">152</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Inflation of the
  period</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48%</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_9627660c048144b199fcf828b"></a><a name="XBRL_TS_5530a66727ab4a75adfbb1c02"></a><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Venezuela</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Since 2009, the economy of
Venezuela can be considered hyperinflationary under the above criteria. As a
result, the financial statements of the BBVA Group&#8217;s entities located in
Venezuela have therefore been adjusted to correct for the effects of inflation in
accordance with IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#8220;. As
stated in Note 1.3, BBVA has restated prior year information in relation to a
change in the accounting policy for applying IAS 29.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The losses recognized under the heading &#8220;Profit
attributable to the parent company&#8221; in the accompanying consolidated income
statement as a result of the adjustment for inflation on net monetary position
of the Group entities in Venezuela amounted to &#8364;<a name="XBRL_CS_0afe2349e2ca4ce089ab1d26d"></a>12<a name="XBRL_CS_0afe2349e2ca4ce089ab1d26d_bclEnd"></a>, &#8364;<a name="XBRL_CS_398279e1937d45ddb68b77ba0"></a>13<a name="XBRL_CS_398279e1937d45ddb68b77ba0_bclEnd"></a> and &#8364;<a name="XBRL_CS_bcff139e4ecb4a5d9de0e65c1"></a>28<a name="XBRL_CS_bcff139e4ecb4a5d9de0e65c1_bclEnd"></a> million in 2018, 2017 and
2016 respectively (see Note 2.2.16).</font></font><a name="XBRL_TS_5530a66727ab4a75adfbb1c02_bclEnd"></a><a name="XBRL_TS_9627660c048144b199fcf828b_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="_Toc376949899"></a><a name="_Toc376972307"></a><a name="XBRL_TS_c15b2f7b37f149538bb9cf5a4"></a><a name="_Toc105936"></a><a name="_Toc512325143"></a><a name="_Toc508358964"></a><a name="_Toc416186906"></a><a name="_Toc413086305"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-49</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">2.3&#160;&#160; Recent IFRS
pronouncements</font></b></font><a name="XBRL_TS_c15b2f7b37f149538bb9cf5a4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_0829fb2e31724c258a6e94962"></a><a name="_Toc105937"></a><a name="Nota_2_1_0"></a><a name="Nota_2_1_0_bclEnd"></a><font color=#072146 face=Arial,sans-serif style="border:none;"><u><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;font-weight:normal;">Changes introduced in 2018</font></u></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The following
amendments to the IFRS standards or their interpretations (hereinafter &#8220;IFRIC&#8221;)
became effective on or after January 1, 2018.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:22.7pt;margin-right:0cm;margin-top:11.0pt;page-break-after:avoid;text-align:justify;text-indent:-22.7pt;"><a name="XBRL_CS_bed76e562a214418ba785567c"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">IFRS 9 - &#8220;Financial instruments&#8221;</font></font><a name="XBRL_CS_bed76e562a214418ba785567c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 9 replaced
IAS 39 for financial statements from January 1, 2018 onwards and <a name="XBRL_CS_222450c8b470455c9de4e144b"></a>includes new classification and
measurement requirements for financial assets and liabilities and impairment
requirements for financial assets<a name="XBRL_CS_222450c8b470455c9de4e144b_bclEnd"></a> (see Note 2.2.1).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_9cbc5063746d414e99ea39072"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Regarding
the hedge accounting, the Group has elected to continue applying IAS 39 to its
hedge accounting as permitted by IFRS 9.</font></font><a name="XBRL_CS_9cbc5063746d414e99ea39072_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:22.7pt;margin-right:0cm;margin-top:11.0pt;page-break-after:avoid;text-align:justify;text-indent:-22.7pt;"><a name="XBRL_CS_d77ae55d99f94f1e814d4d923"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Amended IFRS 9 &#8211; Prepayment Features with
Negative Compensation</font></font><a name="XBRL_CS_d77ae55d99f94f1e814d4d923_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_9e71f13a460e4a5494ea39f41"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
amendments to IFRS 9 allow entities to measure certain prepayable financial
assets with negative compensation at amortized cost or at fair value through
other comprehensive income if a specified condition is met, instead of at fair
value through profit or loss. The condition is that the financial asset would
otherwise meet the criteria of having contractual cash flows that are solely
payments of principal and interest but do not meet that condition only as a
result of that prepayment feature.</font></font><a name="XBRL_CS_9e71f13a460e4a5494ea39f41_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_9bb4decc71d041a4ab68aa77e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
amendments should be applied to the accounting periods beginning on or after
January 1, 2019, although early application is permitted. The Group has applied
this amendment to the accounting period beginning on January 1, 2018 and it has
not had a significant impact on the Group&#180;s financial statements.</font></font><a name="XBRL_CS_9bb4decc71d041a4ab68aa77e_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:22.7pt;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;text-indent:-22.7pt;"><a name="XBRL_CS_0c556283abea42668de12f6a5"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Amended IFRS 7 - &#8220;Financial
instruments: Disclosures&#8221;</font></font><a name="XBRL_CS_0c556283abea42668de12f6a5_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_f16ccd9b3be34367982d04cba"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
IASB modified IFRS 7 in December 2011 to include new disclosures on financial
instruments that entities have to provide in the period that they apply IFRS 9
for the first time.</font></font><a name="XBRL_CS_f16ccd9b3be34367982d04cba_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_ccf5c822e57f411db22f8669e"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">IFRS 15 - &#8220;Revenue from contracts with
customers&#8221;</font></font><a name="XBRL_CS_ccf5c822e57f411db22f8669e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_ad939f55340f4bf2be9d2e1f3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS
15 contains the principles that an entity shall apply to account for revenue
and cash flows arising from a contract with a customer (see Note 2.2.17).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The core principle of IFRS 15 is
that a company should recognize revenue to depict the transfer of promised
goods or services to the customer in an amount that reflects the consideration
to which the company expects to be entitled in exchange for those goods or
services, in accordance with contractual agreements (</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">either over time or at a
certain time)</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. It is considered that the good or service is transferred when
the customer obtains control over it.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The new Standard replaces IAS 18 &#8211;
Revenue, IAS 11 - Construction Contracts, IFRIC 13 - Customer Loyalty
Programmes, IFRIC 15 - Agreements for the Construction of Real Estate, IFRIC 18
- Transfers of Assets from Customers and SIC 31 &#8211; Revenue-Transactions
Involving Advertising Services.</font></font><a name="XBRL_CS_ad939f55340f4bf2be9d2e1f3_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_52afd6fa771a42bfa5a4f12e8"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">This standard has not had a
significant impact on the Group's Consolidated Financial Statements.</font></font><a name="XBRL_CS_52afd6fa771a42bfa5a4f12e8_bclEnd"></a><font color=windowtext face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_fd773ab93a854b2f9b4724969"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-50</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_54"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">IFRS 2 &#8211;
&#8220;Classification and Measurement of Share-based Payment Transactions&#8221;</font></font><a name="XBRL_CS_fd773ab93a854b2f9b4724969_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_3dcdd76e1cad4ba6b802ee85b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
amendments made to IFRS 2 provide requirements on three different aspects:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When measuring the fair value of a cash-settled share-based
payment vesting conditions, other than market conditions, the conditions for
the irrevocability shall be taken into account by adjusting the number of
awards included in the measurement of the liability arising from the
transaction.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A transaction in which an entity settles a share-base payment
arrangement net by withholding a specified portion of the equity instruments to
meet a statutory tax withholding obligation will be classified as equity
settled in its entirety if, without the net settlement feature, the entire
share-based payment would otherwise be classified as equity-settled.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In case of modification of a share-based payment from cash-settled
to equity-settled, the modification will be accounted for derecognizing the
original liability and recognizing in equity the fair value of the equity
instruments granted to the extent that services have been rendered up to the
modification date; any difference will be recognized immediately in profit or
loss.</font></font><a name="XBRL_CS_3dcdd76e1cad4ba6b802ee85b_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_d956a8a82fd949b19a2d49c2a"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">This standard has not had a
significant impact on the Group's Consolidated Financial Statements.</font></font><a name="XBRL_CS_d956a8a82fd949b19a2d49c2a_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_a9b6b832c8f74a6d969dfab7e"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Amended IFRS 4 &#8211; &#8220;Insurance Contracts&#8221;</font></font><a name="XBRL_CS_a9b6b832c8f74a6d969dfab7e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_d906946874e546969e60a7093"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amendments made to IFRS 4 address
the temporary accounting consequences of the different effective dates of IFRS
9 and the forthcoming insurance contracts standard, by introducing two optional
solutions: </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The deferral approach or temporary exemption</font></i></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">, that gives
entities whose predominant activities are connected with insurance the option
to defer the application of IFRS 9 and continue applying IAS 39 until 2021.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The overlay approach</font></i></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">, that gives all issuers of insurance contracts
the option to recognize in other comprehensive income, </font><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">rather&nbsp;</font></i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> than
profit or loss, the additional accounting volatility that may arise from
applying IFRS 9 compared to applying IAS 39 before applying the forthcoming
insurance contracts standard.</font></font><a name="XBRL_CS_d906946874e546969e60a7093_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_cbb60f0bf6e648bebcb95263b"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">This standard has not had a
significant impact on the Group's Consolidated Financial Statements.</font></font><a name="XBRL_CS_cbb60f0bf6e648bebcb95263b_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_bda8f5332bc74c7fae3099769"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Annual improvements cycle to IFRSs 2014-2016 &#8211;
Minor amendments to IFRS 1 and IAS 28</font></font><a name="XBRL_CS_bda8f5332bc74c7fae3099769_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_db3f0ddbb4ed4c3ab4f418cc6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The annual improvements cycle
to IFRSs 2014-2016 includes minor changes and clarifications to IFRS 1-
First-time Adoption of International Financial Reporting Standards and IAS 28 &#8211;
Investments in Associates and Joint Ventures, which should be applied to the
accounting periods beginning on or after January 1, 2018, although early
application was permitted for modifications to IAS 28.</font></font><a name="XBRL_CS_db3f0ddbb4ed4c3ab4f418cc6_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_1357f3f920b949c99ba6b9b6a"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">This standard has not had a
significant impact on the Group's Consolidated Financial Statements.</font></font><a name="XBRL_CS_1357f3f920b949c99ba6b9b6a_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_6d520afeb8164516ad385ffe4"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">IFRIC 22 &#8211; Foreign Currency Transactions and
Advance Consideration</font></font><a name="XBRL_CS_6d520afeb8164516ad385ffe4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_a23be53f9a8d43bcbc1d11f1f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Interpretation addresses how to determine the date of the transaction, and
thus, the exchange rate to use to translate the related asset, expense or
income on initial recognition, in circumstances in which a non-monetary
prepayment asset or a non-monetary deferred income liability arising from the
payment or receipt of advance consideration is recognized in advance of the
related asset, income or expense. It requires that the date of the transaction
will be the date on which an entity initially recognizes the non-monetary asset
or non-monetary liability.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-51</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_55"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">If there
are multiple payments or receipts in advance, the entity shall determine a date
of the transaction for each payment or receipt of advance consideration.</font></font><a name="XBRL_CS_a23be53f9a8d43bcbc1d11f1f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_0c66d14b3aa94fd29111c185c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This
standard has not had a significant impact on the Group's consolidated financial
statements.</font></font><a name="XBRL_CS_0c66d14b3aa94fd29111c185c_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_c283b4f65c99479d948e18d0c"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Amended IAS 40 &#8211; Investment Property</font></font><a name="XBRL_CS_c283b4f65c99479d948e18d0c_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_2adb14e046d840b484a617fc7"></a><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
amendment states that an entity shall transfer a property to, or from,
investment property when, and only when, there is evidence of a change in use.
A change in use occurs when the property meets, or ceases to meet, the
definition of investment property.</font></font><a name="XBRL_CS_2adb14e046d840b484a617fc7_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_f8a7af0dee344eb9b36a84158"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">This standard has not had a
significant impact on the Group's financial statements.</font></font><a name="XBRL_CS_f8a7af0dee344eb9b36a84158_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc105938"></a><font color=#072146 face=Arial,sans-serif style="border:none;"><u><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;font-weight:normal;">Standards and interpretations issued but not
yet effective as of December 31, 2018</font></u></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The following
new International Financial Reporting Standards together with their
interpretations had been published at the date of preparation of the
accompanying consolidated financial statements, but are not mandatory as of
December 31, 2018. Although in some cases the IASB allows early adoption before
their effective date, the BBVA Group has not proceeded with this option for any
such new standards.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_9a42e84652ca4d19b47470298"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Amended IFRS 10 &#8211; &#8220;Consolidated financial
statements&#8221; and IAS 28 amended</font></font><a name="XBRL_CS_9a42e84652ca4d19b47470298_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_9dc439f841d3498788956bd53"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amendments to IFRS 10 and
IAS 28 establish that when an entity sells or transfers assets which are
considered a business (including its consolidated subsidiaries) to an associate
or joint venture of the entity, the latter will have to recognize any gains or
losses derived from such transaction in its entirety. Notwithstanding, if the
assets sold or transferred are not considered a business, the entity will have
to recognize the gains or losses derived only to the extent of the interests in
the associate or joint venture with unrelated investors.</font></font><a name="XBRL_CS_9dc439f841d3498788956bd53_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_48f3d230644b4638842835dae"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These changes will be
applicable to accounting periods beginning on the effective date, still to be
determined, although early adoption is allowed.</font></font><a name="XBRL_CS_48f3d230644b4638842835dae_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_492a048a56164056a9d5f2906"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">IFRS 16 &#8211; &#8220;Leases&#8221;</font></font><a name="XBRL_CS_492a048a56164056a9d5f2906_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_ca3d1a28710e439780659bfaa"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On January 13, 2016, the IASB
issued IFRS 16 which will replace IAS 17 &#8220;Leases&#8221; for financial statements from
January 1, 2019 onwards. The new standard introduces a single lessee accounting
model and will require a lessee to recognize assets and liabilities for all
leases. The only exceptions are short-term contracts and those in which the
underlying assets have low value. A lessee will be required to recognize a
right-of-use asset representing its right to use the underlying leased asset
and a lease liability representing its obligation to make lease payments.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With regard to lessor
accounting, IFRS 16 substantially carries forward the lessor accounting
requirements in IAS 17. Accordingly, a lessor will continue to classify its
leases as operating leases or finance leases, and account for those two types
of leases differently.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">During the financial years 2017 and 2018 the
Group has carried out a project to implement IFRS 16 with the participation of
all affected areas. The standard will mainly affect the accounting of operating
leases of the Group.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-52</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_56"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With regard to
the estimated impact on the Consolidated Financial Statements, at the
transition date, the Group has decided to apply the modified retrospective
approach which requires recognition of a lease liability equal to the present
value of the future payments committed on January 1, 2019. Regarding the
measurement of the right-of-use asset, the Group has elected to record an
amount equal to the lease liability. As a result of this approach, the Group
expects to recognize assets for the right-of-use and lease liabilities for an
approximate amount of 3,600 million euros mainly coming from the Group&#8217;s
activity in Spain as well as from bank branches leases. The estimated impact in
terms of capital (CET1) for the Group amounts to -12 basis points.</font></font><a name="XBRL_CS_ca3d1a28710e439780659bfaa_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_e49454e6a7d94f2c805bf4de4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The final impact of adopting
the standard as of January 1, 2019 may change because:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">the Group has not concluded the tests;</font></font></p>

<p style="border:none;margin-bottom:8.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:107%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:107%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;">the new accounting policies, methodologies and parameters may be
subject to changes until the Group</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;"> &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;">presents</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;"> its financial statements
that include the final impact as of the date of initial application.</font></font><a name="XBRL_CS_e49454e6a7d94f2c805bf4de4_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_bcae0e9c550c462db2fe76e38"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">IFRS 17 &#8211; Insurance Contracts</font></font><a name="XBRL_CS_bcae0e9c550c462db2fe76e38_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_6bcb94e62b9b45d2b73f43980"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 17 establishes the
principles for the accounting for insurance contracts and supersedes IFRS 4.
The new standard introduces a single accounting model for all insurance
contracts and requires the entities to use updated assumptions.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An entity shall divide the
contracts into groups and recognize and measure groups of insurance contracts
at the total of:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">the fulfilment cash flows, that comprises the estimate of future
cash flows, an adjustment to reflect the time value of money and the financial
risk associated with the future cash flows and a risk adjustment for
non-financial risk; and</font></font></p>

<p style="border:none;margin-bottom:8.0pt;margin-left:37.5pt;margin-right:0cm;margin-top:0cm;text-indent:-18.75pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:107%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:107%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;">the contractual service margin that represents the unearned
profit.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amounts recognized in the
consolidated income statement shall be disaggregated into insurance revenue,
insurance service expenses and insurance finance income or expenses. Insurance
revenue and insurance service expenses shall exclude any investment components.
Insurance revenue shall be recognized over the period the entity provides
insurance coverage and in proportion to the value of the provision of coverage
that the insurer provides in the period.</font></font><a name="XBRL_CS_6bcb94e62b9b45d2b73f43980_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_7b7a231c3e04490cbf2b1b70e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This Standard will be applied
to the accounting years starting on or after January 1, 2021.</font></font><a name="XBRL_CS_7b7a231c3e04490cbf2b1b70e_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_a5194385e3764cd3b26a86d43"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">IFRIC 23 - Uncertainty over Income Tax
Treatments</font></font><a name="XBRL_CS_a5194385e3764cd3b26a86d43_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_33f0056c68984018903e4bd0d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRIC 23 provides guidance on
how to apply the recognition and measurement requirements in IAS 12 when there
is uncertainty over income tax treatments. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">If the entity considers that
it is probable that the taxation authority will accept an uncertain tax
treatment, the Interpretation requires the entity to determine taxable profit
(tax loss), tax bases, unused tax losses, unused tax credits or tax rates
consistently with the tax treatment used or planned to be used in its income
tax filings.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-53</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_57"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">If
the entity considers that it is not probable that the taxation authority will
accept an uncertain tax treatment, the Interpretation requires the entity to
use the most likely amount or the expected value (sum of the probability.
weighted amounts in a range of possible outcomes) in determining taxable profit
(tax loss), tax bases, unused tax losses, unused tax credits and tax rates. The
method used should be the method that the entity expects to provide the better
prediction of the resolution of the uncertainty.</font></font><a name="XBRL_CS_33f0056c68984018903e4bd0d_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_73589cb109904d8085fa809b9"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The interpretation will be
applied to the accounting periods beginning on or after January 1, 2019.</font></font><a name="XBRL_CS_73589cb109904d8085fa809b9_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_1c8981d8f73549ef9b564e3bc"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Amended IAS 28 &#8211; Long-term Interests in
Associates and Joint Ventures</font></font><a name="XBRL_CS_1c8981d8f73549ef9b564e3bc_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_aaf9ebe18df648f88aa2fd315"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amendments to IAS 28
clarify that an entity is required to apply IFRS 9 to long term interests in an
associate or joint venture that, in substance, form part of the net investment
in the associate or joint venture but to which the equity method is not applied.</font></font><a name="XBRL_CS_aaf9ebe18df648f88aa2fd315_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_0db1655ff8664be29c64e508d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amendments will be applied
to the accounting periods beginning on or after January 1, 2019.</font></font><a name="XBRL_CS_0db1655ff8664be29c64e508d_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_c34d59ef1f714e048059bfcc7"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Annual improvements cycle to IFRSs 2015-2017</font></font><a name="XBRL_CS_c34d59ef1f714e048059bfcc7_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_5aa5f97fb98545f8bc8d591ab"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The annual improvements cycle
to IFRSs 2015-2017 includes minor changes and clarifications to IFRS 3-
Business Combinations, IFRS 11 &#8211; Joint Arrangements, IAS 12 &#8211; Income Taxes and
IAS 23 &#8211; Borrowing Costs, which will be applied to the accounting periods
beginning on or after January 1, 2019, although early application is permitted.</font></font><a name="XBRL_CS_5aa5f97fb98545f8bc8d591ab_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_f7c11b9f2d5c42ee8827a9be4"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Amended IAS 19 &#8211; Plan Amendment, Curtailment or
Settlement</font></font><a name="XBRL_CS_f7c11b9f2d5c42ee8827a9be4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_061a8d1515bd4bebad22a591e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The small amendments in IAS 19
concern the cases if a plan is amended, curtailed or settled during the period.
In these cases, an entity should ensure that the current service cost and the
net interest for the period after the remeasurement are determined using the
assumptions used for the remeasurement. In addition, amendments have been
included to clarify the effect of a plan amendment, curtailment or settlement
on the requirements regarding the asset ceiling.</font></font><a name="XBRL_CS_061a8d1515bd4bebad22a591e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_3993fe05b9044796aed410a43"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amendments will be applied
to the accounting periods beginning on or after January 1, 2019.</font></font><a name="XBRL_CS_3993fe05b9044796aed410a43_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_63c8dce287324801b7adbc96b"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Amended IFRS 3 &#8211; Definition of a business</font></font><a name="XBRL_CS_63c8dce287324801b7adbc96b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_83fa733374d642fea90802de3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
amendments clarify the difference between the acquisition of a business or the
acquisition of a set of assets. To determine whether a transaction is an
acquisition of a business, an entity should evaluate and conclude if the two
following conditions are fulfilled:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.4pt;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">the fair value of the acquired assets is not concentrated in one
single asset or group of similar assets.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:37.4pt;margin-right:0cm;margin-top:12.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">the entirety of acquired activities and assets includes, as a
minimum, an input and a substantial process which, together, contribute to the
capacity to create products.</font></font><a name="XBRL_CS_83fa733374d642fea90802de3_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_49ab666abcfa4726b5a74f2e7"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">The amendments will be applied
to the accounting periods beginning on or after January 1, 2020, although early
application is permitted.</font></font><a name="XBRL_CS_49ab666abcfa4726b5a74f2e7_bclEnd"></a><font color=windowtext face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-54</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Amended IAS 1 and
IAS 8 &#8211; Definition of material</font></font><a name="XBRL_CS_2a8a1e6eb6d34aa99b1fa7d13_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_efcd6276f06e402baa44d8b6c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
amendments clarify the definition of material in the elaboration of the
financial statements by aligning the definition of the conceptual framework,
IAS 1 and IAS 8 (which, before the amendments, included similar but not
identical definitions). The new definition of material is the following:
&#8220;Information is material if omitting, misstating or obscuring it could
reasonably be expected to influence decisions that the primary users of general
purpose financial statements make on the basis of those financial statements,
which provide financial information about a specific reporting entity&#8221;.</font></font><a name="XBRL_CS_efcd6276f06e402baa44d8b6c_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_eb210a1a31644e2c8327735f0"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amendments will be
applied to the accounting periods beginning on or after January 1, 2020,
although early application is permitted.</font></font><a name="_Toc105939"></a><a name="_Toc105940"></a><a name="XBRL_CS_eb210a1a31644e2c8327735f0_bclEnd"></a><a name="XBRL_TS_0829fb2e31724c258a6e94962_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_97ae1272ec484e4b9493ff366"></a><a name="_Toc105941"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">2.4&#160;&#160;&#160; Transition to IFRS 9 and condensed consolidated opening
balance sheet as of January 1, 2018</font></b></font><a name="XBRL_TS_97ae1272ec484e4b9493ff366_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_4ee7b748981444148b35bb48c"></a><a name="_Toc105942"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.4.1&#160;&#160; Transition to IFRS 9</font></b></font><a name="XBRL_TS_4ee7b748981444148b35bb48c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f58cca40778b45c3b0085b423"></a><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As mentioned in
the Notes 1.3, 2.2.1 and 2.3, IFRS 9 replaced IAS 39 for financial statements
from January 1, 2018 onwards and includes new classification and measurement
requirements for financial assets and liabilities, impairment requirements for
financial assets and hedge accounting policy.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The application of
this standard on January 1, 2018, had a significant impact on the consolidated
financial statements of the Group at that date.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#006EC1 face=Arial,sans-serif style="border:none;"><b><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Classification
and measurement of financial instruments</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial assets</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 9 has a new
approach to classification and measurement of financial assets which is a
mirror of the business model used for asset management purposes and its cash
flow characteristics. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 9 contains three main
categories for financial assets classification: valued at amortized cost,
valued at fair value with changes in other accumulated comprehensive income,
and valued at fair value through profit or loss. The standard eliminates the
IAS 39 categories of held-to-maturity investments, loans and receivables, and
available-for-sale financial assets.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The classification of financial
instruments measured at amortized cost or fair value must be carried out on the
basis of: the entity's business model and the assessment of the contractual
cash flow, commonly known as the &quot;solely payments of principle and
interest&quot; criterion (hereinafter, the SPPI). The purpose of the SPPI test
is to determine whether in accordance with the contractual characteristics of
the instrument its cash flows only represent the return of the principal and
interest, basically understood as consideration for the time value of money and
the debtor's credit risk.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A
financial instrument will be classified in the amortized cost portfolio when it
is managed with a business model whose purpose is to maintain the financial
assets to receive contractual cash flows, and passes the SPPI test. They will
be classified in the portfolio of financial assets at fair value with changes
in other comprehensive income if they are managed with a business model whose
purpose combines collection of the contractual cash flows and sale of the
assets, and meets the SPPI test. They will be classified at fair value with
changes in profit and loss provided that the entity's business model for their
management or the contractual characteristics of its cash flows do not require
classification into one of the portfolios described above.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group reviewed the existing
business models in the geographic areas where it operates to establish
classification in accordance with IFRS 9, taking into account the special
characteristics of the local structures and organizations, as well as the type of
products.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group has defined criteria to
determine the acceptable frequency and reasons for sales so that the instrument
can remain in the category of held to collect contractual cash flows.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Regardless of the frequency and
importance of the sales, some types of sales are not incompatible with the
category of held to collect contractual flows: sales due to reduction in credit
quality; sales close to the maturity of transactions so that variations in
market prices will not have a significant effect on the cash flows of the
financial asset; sales in response to a change in regulations or in taxation; sales
in response to an internal restructuring or significant business combination;
sales derived from the execution of a liquidity crisis plan when the crisis
event is not reasonably foreseeable.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group segmented the portfolio
of instruments for carrying out the SPPI test by differentiating products with
standard contracts (all the instruments have identical contractual
characteristics and are broadly used), for which the Group has carried out the
SPPI test by reviewing the standard framework contract. For those products with
similar, but not identical characteristics compliance has been assessed through
a sampling exercise of contracts. All the financial instruments with specific contractual
characteristics have been analyzed individually.&#160; </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As a result of the analyses carried
out on both the business model and the contractual characteristics, certain
accounting reclassifications resulted affecting both financial assets and, as
the case may be, financial liabilities related to those assets. In general,
there is a greater volume of assets valued at fair value with changes in the
income statement and the valuation method of some instruments has also been
changed according to the one that best reflects the business model to which
they belong. Changes in the valuation model to avoid exceeding the criterion of
solely payment of principal and interest are not significant.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2017, the Group
had certain investments in financial instruments classified as
available-for-sale which, in accordance with IFRS 9, the Group designated as
financial assets at fair value through other comprehensive income. As a result,
all the gains and losses at fair value of these instruments are now reported in
accumulated other comprehensive income. Impairment losses would not be
recognized to profit and loss, and gains or losses would not be reclassified to
the income statement in the case of divestment. The remaining investments held
by the Group as of December 31, 2017 in equity instruments classified as
available-for-sale are now accounted for as fair value through changes in
profit or loss.
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial liabilities</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 9 largely maintains the
requirements under IAS 39 for classifying financial liabilities. However, a new
aspect introduced by IFRS 9 is the recognition of changes in the fair value of
the financial liabilities to which the fair value option is applied. In this
case, the changes in the fair value attributable to the credit risk itself are
recognized as other comprehensive income, while the rest of the variation is
recognized in the income statement. In any case, the variation of credit risk
itself may be recognized in the income statement if the treatment described
above generates accounting asymmetry.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font color=#006EC1 face=Arial,sans-serif style="border:none;"><b><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial assets impairments</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 9 replaced the &quot;incurred
loss&quot; model in IAS 39 with one of &quot;expected credit loss&quot;. The
IFRS 9 impairment model is applied to financial assets valued at amortized cost
and to financial assets valued at fair value through other comprehensive
income, except for investments in equity instruments and contracts for
financial guarantees and loan commitments </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">unilaterally revocable by
BBVA. Likewise, all the financial instruments valued at fair value with change
through profit and loss are excluded from the impairment model</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The new standard classifies
financial instruments into three categories, which depend on the evolution of
their credit risk from the moment of initial recognition. The first category
includes the transactions when they are initially recognized (Stage 1); the
second comprises the financial assets for which a significant increase in
credit risk has been identified since its initial recognition (Stage 2) and the
third one, the impaired financial assets (Stage 3).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The calculation of the provisions
for credit risk in each of these three categories must be done differently. In
this way, expected loss up to 12 months for the financial assets classified in
the first of the aforementioned categories must be recorded, while expected
losses estimated for the remaining life of the financial assets classified in
the other two categories must be recorded. Thus, IFRS 9 differentiates between
the following concepts of expected loss: </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Expected loss at 12 months: expected credit loss that arises from
possible default events within&#160; 12&#160; months following the presentation date of
the financial statements; and</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Expected loss during the life of the transaction: this is the
expected credit loss that arises from all possible default events over the
remaining life of the financial instrument.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All this requires considerable
judgment, both in the modeling for the estimation of the expected losses and in
the forecasts, on how the economic factors affect such losses, which must be
carried out on a weighted probability basis.
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
BBVA Group has applied the following definitions in accordance with IFRS 9:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Default</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA has applied a definition of
default for financial instruments that is consistent with that used in internal
credit risk management, as well as the indicators under applicable regulation
at the date of implementation of IFRS 9. Both qualitative and quantitative
indicators have been considered.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group has considered there is a
default when one of the following situations occurs: </font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- payment past-due for more than 90 days; or</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- there are reasonable doubts regarding the full reimbursement of the
instrument.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In accordance with IFRS 9, the
90-day past-due stipulation may be waived in cases where the entity considers
it appropriate, based on reasonable and documented information that it is
appropriate to use a longer term. As of December 31, 2018, the Group has not
considered periods higher than 90 days for any of the significant portfolios.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Credit impaired asset</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An asset is credit-impaired
according to IFRS 9 if one or more events have occurred and they have a
detrimental impact on the estimated future cash flows of the asset. Evidence
that a financial asset is credit-impaired includes observable data about the
following events:</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Significant financial difficulty of the issuer or the borrower.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- A breach of contract (e.g. a default or past due event).</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- A lender having granted a concession to the borrower &#8211; for economic or
contractual reasons relating to the borrower&#8217;s financial difficulty &#8211; that the
lender would not otherwise consider.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- It becoming probable that the borrower will enter bankruptcy or other
financial reorganization.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- The disappearance of an active market for that financial asset because
of financial difficulties.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- The purchase or origination of a financial asset at a deep discount
that reflects the incurred credit losses.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">It may not be possible to identify
a single discrete event. Instead, the combined effect of several events may
cause financial assets to become credit-impaired.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The definition of impaired
financial assets in the Group is aligned with the definition of default
explained in the above paragraphs.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Significant increase in credit risk </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The objective of the impairment
requirements is to recognize lifetime expected credit losses for financial
instruments for which there have been significant increases in credit risk
since initial recognition considering all reasonable and supportable
information, including that which is forward-looking.
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
model developed by the Group for assessing the significant increase in credit
risk has a two-prong approach that is applied globally, although the specific
characteristics of each geographic area are respected:</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Quantitative criterion: the Group uses a quantitative analysis based on
comparing the current expected probability of default over the life of the
transaction with the original adjusted expected probability of default, so that
both values are comparable in terms of expected default probability for their
residual life. The thresholds used for considering a significant increase in
risk take into account special cases according to geographic areas and
portfolios. Depending on how old current financial assets are, at the time
implementation of the standard, some simplification has been made to compare
the probabilities of default between the current and the original moment, based
on the best information available at that moment.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Qualitative criterion: most indicators for detecting significant risk
increase are included in the Group's systems through rating/scoring systems or
macroeconomic scenarios, so quantitative analysis covers the majority of
circumstances. The Group will use additional qualitative criteria when it
considers it necessary to include circumstances that are not reflected in the
rating/score systems or macroeconomic scenarios used. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additionally, instruments under one
of the following circumstances are considered Stage 2:</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- More than 30 days past due. According to IFRS 9, default of more than
30 days is a presumption that can be rebutted in those cases in which the
entity considers, based on reasonable and documented information, that such
non-payment does not represent a significant increase in risk. As of December
31, 2018, the Group has not considered periods superior to 30 days for any of
the significant portfolios.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Watch list: They are subject to special watch by the Risks units
because they show negative signs in their credit quality, even though there may
be no objective evidence of impairment.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Refinance or restructuring that does not show evidence of impairment.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Although the standard introduces a
series of operational simplifications or practical solutions for analyzing the
increase in significant risk, the Group does not expect to use them as a
general rule. However, for high-quality assets, mainly related to certain
government institutions and bodies, the standard allows for considering that
their credit risk has not increased significantly because they have a low
credit risk at the presentation date.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Thus the classification of
financial instruments subject to impairment under the new IFRS 9 is as follows:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Stage 1&#8211; without significant increase in credit risk</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial
assets which are not considered to have significantly increased in credit risk
have loss allowances measured at an amount equal to 12 months expected credit
losses.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Stage 2&#8211; significant increases in credit risk</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.4pt;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When the
credit risk of a financial asset has increased significantly since the initial
recognition, the impairment losses of that financial instrument is calculated
as the expected credit loss during the entire life of the asset.
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">Stage 3 - Impaired</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When there
is objective evidence that the instrument is credit impaired, the financial
asset is transferred to this category </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">in which the provision for losses of that
financial instrument is calculated as the expected credit loss </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">during
the entire life of the asset.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Method for
calculating expected loss</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In accordance with IFRS 9, the
measurement of expected losses must reflect:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A
considered and unbiased amount, determined by evaluating a range of possible
results.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
time value of money.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Reasonable
and supportable information that is available without undue cost or effort and
that reflects current conditions and forecasts of future economic conditions. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group measures the expected
losses both individually and collectively. The purpose of the Group's
individual measurement is to estimate expected losses for significant impaired
instruments, or instruments classified in Stage 2. In these cases, the amount
of credit losses is calculated as the difference between expected discounted
cash flows at the effective interest rate of the transaction and the carrying
amount of the instrument. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For the collective measurement of
expected losses the instruments are grouped into groups of assets based on
their risk characteristics. Exposure within each group is segmented according
to the common credit risk characteristics, similar characteristics of the
credit risk, indicative of the payment capacity of the borrower in accordance
with their contractual conditions. These risk characteristics have to be relevant
in estimating the future flows of each group. The characteristics of credit
risk may consider, among others, the following factors:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Type
of instrument.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Rating
or scoring tools.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Credit
risk scoring or rating.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Type
of collateral.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Amount
of time at default for stage 3.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Segment.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Qualitative
criteria which can have a significant increase in risk.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Collateral
value if it has an impact on the probability of a default event.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
estimated losses are derived from the following parameters:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">PD:
estimate of the probability of default in each period.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">EAD:
estimate of the exposure in case of default at each future period, taking into
account the changes in exposure after the presentation date of the financial
statements. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-14.7pt;"><font color=#00B0F0 face=Symbol style="border:none;"><font color=#00B0F0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#00B0F0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">LGD:&#160;
estimate of the loss in case of default, calculated as the difference between
the contractual cash flows and receivables, including guarantees. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the case of debt securities, the
Group supervises the changes in credit risk through monitoring the external
published credit ratings.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">To
determine whether there is a significant increase in credit risk that is not
reflected in the published ratings, the Group has also revised the changes in
bond yields, and when they are available, the prices of CDS, together with the
news and regulatory information available on the issuers.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Use of present, past
and future information</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 9 requires incorporation of
present, past and future information to detect any significant increase in risk
and measure expected loss.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The standard does not require
identification of all possible scenarios for measuring expected loss. However,
the probability of a loss event occurring and the probability it will not occur
will also have to be considered, even though the possibility of a loss may be
very small. Also, when there is no linear relation between the different future
economic scenarios and their associated expected losses, more than one future
economic scenario must be used for the measurement.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The approach used by the Group consists of
using first the most probable scenario (baseline scenario) consistent with that
used in the Group's internal management processes, and then applying an
additional adjustment, calculated by considering the weighted average of
expected losses in other economic scenarios (one more positive and the other
more negative). The main macroeconomic variables that are valued in each of the
scenarios for each of the geographies in which the Group operates are GDP, tax
rates, unemployment rate and LTV.</font></font><a name="XBRL_TS_f58cca40778b45c3b0085b423_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_66a020e6ad3043eeaf1de163b"></a><a name="_Toc105943"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">2.4.2&#160;&#160; Condensed consolidated opening balance sheet as of January
1, 2018</font></b></font><a name="XBRL_TS_66a020e6ad3043eeaf1de163b_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo_AnexoIIBCESemestral_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:9.0pt;">
  <td nowrap width=40% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Condensed Consolidated balance sheets (Millions of Euros)</font></b></font></p>
  </td>
 <td nowrap width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:36.0pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2017
  IAS 39</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Classification and measurement of financial instruments</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Impairment</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Opening balance
  sheet 2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42,680</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42,680</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">64,695</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27,159</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">91,854</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;
  Derivatives</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">35,265</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">35,265</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Equity
  instruments</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,801</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,849</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt
  securities</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22,573</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22,573</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to central banks</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">245</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">245</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to credit institutions</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14,895</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14,895</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to customers</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,970</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12,026</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=40% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Non-trading financial assets mandatorily at fair value through profit
  or loss</font></font></p>
  </td>
 <td nowrap width=15% style="background:silver;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,451</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,451</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,709</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,690)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,019</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=15% style="background:silver;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">62,107</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">62,115</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Equity
  instruments</font></i></font></p>
  </td>
 <td nowrap width=15% style="background:silver;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,761</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,761</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt
  securities</font></i></font></p>
  </td>
 <td nowrap width=15% style="background:silver;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">59,293</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">59,301</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and
  advances</font></i></font></p>
  </td>
 <td nowrap width=15% style="background:silver;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">140</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">140</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Available for sale financial assets</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">69,476</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(69,476)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="background:silver;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets at amortized cost</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">431,521</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(8,680)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,158)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">421,685</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt
  securities</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10,339</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19,623</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">29,959</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to central banks</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,300</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(245)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,055</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to credit institutions</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26,261</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(15,622)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10,661</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Loans and advances to customers</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">387,621</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(12,435)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,177)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">374,009</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Held to maturity
  investments</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13,754</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(13,754)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="background:silver;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Hedging derivatives </font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,485</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,485</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=40% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of the hedged items in portfolio hedges of interest
  rate risk</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Joint ventures, associates and unconsolidated subsidiaries</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,588</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,589</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Insurance and
  reinsurance assets</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">421</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">421</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,191</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,191</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Intangible assets </font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,464</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,464</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Tax assets</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,888</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">400</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,296</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other assets </font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,359</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,359</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Non-current assets and disposal groups held for sale </font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,853</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,832</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=40% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">TOTAL ASSETS</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">690,059</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">125</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(770)</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">689,414</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_fa308d268b204b0c95c3511e9"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The change registered in the heading &#8220;Financial
assets held for trading&#8221; is mainly due </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">to financial assets affected
by the activity of Global Markets, which are reclassified from &quot;Financial
assets at amortized cost&quot;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-61</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_65"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The change
registered in the heading &quot;Available for sale financial assets&quot; are
mainly due to the reclassification to the new heading &quot;Financial assets at
fair value through other comprehensive income&quot;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The change registered in the heading &#8220;Financial
assets at amortized cost&#8221; is mainly due </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">to the reclassification to the item
&quot;Financial assets held for trading&quot;.</font></font><a name="XBRL_TS_fa308d268b204b0c95c3511e9_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo_AnexoIIBCE2Semestral_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:36.0pt;">
  <td width=40% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">LIABILITIES AND
  EQUITY</font></b></font></p>
  </td>
 <td width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2017
  IAS 39</font></b></font></p>
  </td>
 <td width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Classification and measurement of financial instruments</font></b></font></p>
  </td>
 <td width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Impairment</font></b></font></p>
  </td>
 <td width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Opening balance
  sheet 2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities held for trading </font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46,182</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34,601</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">80,783</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities designated at fair value through profit or loss </font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,222</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,273</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,495</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities at amortized cost </font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">543,713</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(37,595)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">506,118</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Deposits
  from central banks</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">37,054</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3,261)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">33,793</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Deposits
  from credit institutions</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54,516</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(19,381)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">35,135</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Customer
  Deposits</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">376,379</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(12,690)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">363,689</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Debt
  certificates</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">63,915</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2,266)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">61,649</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160; Other
  financial liabilities</font></i></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,850</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,851</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Hedging derivatives</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,880</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(112)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,768</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=40% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of the hedged items in portfolio hedges of interest
  rate risk</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Liabilities under insurance and reinsurance contracts </font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,223</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,223</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Provisions</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,477</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">125</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,602</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Tax liabilities </font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,298</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(24)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,291</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Share capital repayable on demand</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other liabilities </font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,550</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,550</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Liabilities included in disposal groups classified as held for sale</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,197</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,188</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=40% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">TOTAL
  LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">636,736</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">142</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">132</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">637,010</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">SHAREHOLDERS&#8217; FUNDS</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53,283</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(923)</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">52,432</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Capital</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,267</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,267</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Share premium</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,992</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,992</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Equity instruments issued other than capital</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other equity</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Retained earnings</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,612</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(923)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22,760</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Revaluation reserves</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other reserves</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(35)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(35)</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Less: Treasury shares</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(96)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(96)</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Profit or loss attributable to owners of the parent</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,519</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,519</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Less: Interim
  dividends</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,043)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,043)</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=40% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(6,939)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(109)</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(7,036)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">MINORITY INTERESTS (NON-CONTROLLING INTEREST)</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,979</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,008</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=40% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">TOTAL EQUITY</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53,323</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(17)</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(902)</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">52,404</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=40% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">TOTAL EQUITY AND TOTAL LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">690,059</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">125</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(770)</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">689,414</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_506f6bb860ae4d5c8af392750"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The change registered in the heading &#8220;Financial
liabilities held for trading&#8221; is mainly </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">due to financial liabilities
affected by the activity of Global Markets, which are reclassified from
&quot;Financial liabilities at amortized cost&quot;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The change registered in the heading &#8220;Financial
liabilities at amortized cost&#8221; is mainly </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">due to the reclassification to
&quot;Liabilities held for trading&quot;.</font></font><a name="XBRL_TS_506f6bb860ae4d5c8af392750_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-62</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_66"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="_Toc298431703"></a><a name="_Toc299029438"></a><a name="_Toc299031521"></a><a name="_Toc299032860"></a><a name="_Toc331260301"></a><a name="_Toc347755839"></a><a name="_Toc376949902"></a><a name="XBRL_TS_891b7c6bba5944cea9bed3f65"></a><a name="_Toc105944"></a><a name="_Toc505355936"></a><a name="_Toc495478117"></a><a name="_Toc481589065"></a><a name="_Toc457490010"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">3.&#160;&#160;&#160; BBVA Group</font></b></font><a name="XBRL_TS_891b7c6bba5944cea9bed3f65_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_e771c9c5d31d4be6bbdd0d148"></a><a name="XBRL_CS_8f0952dcc45b46699b6b50580"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The BBVA Group is an international diversified
financial group with a </font></font><a name="XBRL_CS_46b4454d1f0343d6804808f3e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">significant
presence in retail banking, wholesale banking, asset management and private
banking</font></font><a name="XBRL_CS_46b4454d1f0343d6804808f3e_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">. The Group also
operates in other sectors such as insurance, real estate, operational leasing,
etc.</font></font><a name="XBRL_CS_8f0952dcc45b46699b6b50580_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The following
information is detailed in the Appendices of the Consolidated Financial Statements
of the Group:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.55pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Appendix I shows relevant information related to the consolidated
subsidiaries and structured entities.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.55pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Appendix II shows relevant information related to investments in
subsidiaries, joint ventures and associates accounted for using the equity
method. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.55pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Appendix III shows the main changes and notification of
investments and divestments in the BBVA Group.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.55pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Appendix IV shows fully consolidated subsidiaries with more than
10% owned by non-Group shareholders.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The following table sets forth information
related to the Group&#8217;s total assets as of December 31, 2018, 2017 and 2016,
broken down by the Group&#8217;s entities according to their activity:</font></font><a name="XBRL_TS_e771c9c5d31d4be6bbdd0d148_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_3_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:21.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Contribution to Consolidated Group Total Assets. Entities by Main
  Activities (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=57% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Banks and other financial services</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">647,164</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">659,414</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">699,592</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=57% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Insurance and pension fund managing companies</font></font></p>
  </td>
 <td nowrap width=10% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,732</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,134</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,831</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other non-financial
  services</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,793</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,511</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,433</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">676,689</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">690,059</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">731,856</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_918b3de4959c416e9dfa4586b"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">The total assets and results
of operations broken down by the geographical areas, in which the BBVA Group
operates, are included in Note 6.</font></font></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="XBRL_CS_537946eb6a504006b21859ee6"></a><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The BBVA Group&#8217;s activities are
mainly located in Spain, Mexico, South America, the United States and</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Turkey, with active presence in
other countries</font></font><a name="XBRL_CS_537946eb6a504006b21859ee6_bclEnd"></a><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">, as
shown below:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.55pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Spain</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The Group&#8217;s
activity in Spain is mainly through Banco Bilbao Vizcaya Argentaria, S.A.,
which is the parent company of the BBVA Group. The Group also has other
entities that operate in Spain&#8217;s banking sector, insurance sector, real estate
sector, services and as operational leasing entities.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.55pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">M&#233;xico</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The
BBVA Group operates in Mexico, not only in the banking sector, but also in the
insurance sector through Grupo Financiero Bancomer.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:36.55pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">South</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;"> America</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The BBVA </font></font><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Group&#8217;s
activities in South America are mainly focused on the banking, financial and
insurance sectors, in the following countries: Argentina, Chile, Colombia,
Peru, Paraguay, Uruguay and Venezuela. It has a representative office in Sao
Paulo (Brazil).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The
Group owns more</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> than 50% of most of the entities based in these countries.
Appendix I shows a list of the entities which, although less than 50% owned by
the BBVA Group as of December 31, 2018, are consolidated (see Note 2.1).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.55pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">The
United States</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The Group&#8217;s
activity in the United States is mainly carried out through a group of entities
with BBVA Compass Bancshares, Inc. at their head, as well as, the New York BBVA
branch and a representative office in Silicon Valley (California).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.55pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">Turkey</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The
Group&#8217;s activity in </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Turkey</font></font><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> is mainly carried out through the Garanti Group.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.55pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">Rest of
Europe</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The Group&#8217;s
activity in Europe is carried out through banks and financial institutions in
Ireland, Switzerland, Italy, </font></font><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Netherlands</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">, Finland and Romania, branches in Germany,
Belgium, France, Italy Portugal and the United Kingdom, and a representative
office in Moscow.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.55pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.7pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">Asia-Pacific</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The
Group</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&#8217;</font><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">s activity in this region is carried out through branches
(in Taipei, Tokyo, Hong Kong </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Singapore</font></font><font color=#0D0D0D face=Arial,sans-serif style="border:none;"><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> and Shanghai)
and representative offices (in Beijing, Seoul, Mumbai, Abu Dhabi and Jakarta).</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><u><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Main transactions
in the Group in 2018</font></u></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=#0070C0 face=Arial,sans-serif style="border:none;"><font color=#0070C0 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Divestitures
</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=#009EE5 face=Arial,sans-serif style="border:none;"><font color=#009EE5 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Sale
of BBVA&#8217;s stake in BBVA Chile</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On November 28, 2017, BBVA received
a binding offer (the &#8220;Offer&#8221;) from The Bank of Nova Scotia group (&#8220;Scotiabank&#8221;)
for the acquisition of BBVA&#8217;s stake in Banco Bilbao Vizcaya Argentaria Chile,
S.A. (&#8220;BBVA Chile&#8221;) as well as in other companies of the Group in Chile with
operations that are complementary to the banking business (amongst them, BBVA
Seguros Vida, S.A.). <a name="XBRL_CS_7c735ac3915b4ffbaf27741c9"></a>BBVA owned
approximately, directly and indirectly, <a name="XBRL_CS_d06b6b09ad51402c9b396b886"></a>68.19% of BBVA Chile share capital<a name="XBRL_CS_7c735ac3915b4ffbaf27741c9_bclEnd"></a><a name="XBRL_CS_d06b6b09ad51402c9b396b886_bclEnd"></a>. On December 5, 2017, BBVA
accepted the Offer and entered into a sale and purchase agreement and the sale
was completed on July 6, 2018. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The consideration received in cash
by BBVA as consequence of the referred sale amounts to, approximately, USD <a name="XBRL_CS_020ee7239ffa4d9695fde1361"></a>2,200<a name="XBRL_CS_020ee7239ffa4d9695fde1361_bclEnd"></a> million. The transaction
results in a capital gain, net of taxes, of &#8364;<a name="XBRL_CS_939a1c242cd746a2962f68db7"></a>633<a name="XBRL_CS_939a1c242cd746a2962f68db7_bclEnd"></a> million, which was
recognized in 2018.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#009EE5 face=Arial,sans-serif style="border:none;"><font color=#009EE5 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Agreement for
the creation of a joint-venture and transfer of the Real - Estate business in
Spain</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">On
November 29, 2017, <a name="XBRL_CS_56b9c1813af34d43a92878463"></a>BBVA reached an
agreement with a subsidiary of Cerberus Capital Management, L.P. (&#8220;Cerberus&#8221;)
for the creation of a &#8220;joint venture&#8221; to which an important part of the real
estate business of BBVA in Spain is transferred (the &#8220;Business&#8221;).<a name="XBRL_CS_56b9c1813af34d43a92878463_bclEnd"></a> </font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">The
Business comprises: (i) foreclosed real estate assets (the &#8220;REOs&#8221;), with a
gross book value of approximately &#8364;13,000 million, taking as starting point the
position of the REOs as of June 26, 2017; and (ii) the necessary assets and
employees to manage the Business in an autonomous manner. For the purpose of
the agreement with Cerberus, the whole Business was valued at approximately &#8364;<a name="XBRL_CS_f6a730e13e8d48e4bf5be8925"></a>5,000<a name="XBRL_CS_f6a730e13e8d48e4bf5be8925_bclEnd"></a> million.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">On
October 10, 2018, after obtaining all required authorizations, BBVA completed
the transfer of the real estate business in Spain. <a name="XBRL_CS_7c6fa9a3ed9f40fba6901c4b3"></a>Closing of the transaction has
resulted in the sale of 80% of the share capital of the company Divarian
Propiedad, S.A. to an entity managed by Cerberus<a name="XBRL_CS_7c6fa9a3ed9f40fba6901c4b3_bclEnd"></a>.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Divarian
is the company to which the BBVA Group has contributed the Business provided
that the effective transfer of several real estate assets (REO&#180;s) remains
subject to the fulfilment of certain conditions precedent. The final price
payable by Cerberus will be adjusted depending on the volume of REO&#180;s
effectively contributed.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">As
of December 31, 2018, the transaction did not have a significant impact on BBVA
Group&#8217;s attributable profit or the Common Equity Tier 1 (fully loaded).</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><u><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Main transactions
in the Group in 2017</font></u></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=#0070C0 face=Arial,sans-serif style="border:none;"><font color=#0070C0 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Investments</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;On February 21, 2017, <a name="XBRL_CS_f6426b0a6c2040d99e4ae11de"></a>BBVA
Group entered into an agreement for the acquisition from Dogus Holding A.S. and
Dogus Arastirma Gelistirme ve Musavirlik Hizmetleri A.S of 41,790,000,000
shares of Turkiye Garanti Bankasi, A.S. (&#8220;Garanti Bank&#8221;)<a name="XBRL_CS_f6426b0a6c2040d99e4ae11de_bclEnd"></a>, amounting to <a name="XBRL_CS_beaa89a6bddb4fe5b0849dd75"></a>9.95%<a name="XBRL_CS_beaa89a6bddb4fe5b0849dd75_bclEnd"></a> of the total issued share
capital of Garanti Bank. On March 22, 2017, <a name="XBRL_CS_c8d3bef4de824c6c80c215783"></a>the sale and purchase agreement was
completed, and therefore BBVA&#180;s total stake in Garanti Bank as of December 31,
2017 amounts to 49.85%<a name="XBRL_CS_c8d3bef4de824c6c80c215783_bclEnd"></a>
(See Note 31).</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><u><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Main transactions
in the Group in 2016</font></u></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=#0070C0 face=Arial,sans-serif style="border:none;"><font color=#0070C0 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Mergers</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_CS_a7ba8de9fe9446c48364dee0c"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA
Group, at its Board of Directors meeting held on March 31, 2016, adopted a
resolution to begin a merger process of BBVA S.A. (absorbing company),
Catalunya Banc, S.A., Banco Depositario BBVA, S.A. y Unoe Bank, S.A.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This transaction was part of the corporate reorganization of its
banking subsidiaries in Spain, was successfully completed throughout 2016 and
has no impact in the Consolidated Financial Statements both from the accounting
and the solvency stand points.</font></font><a name="XBRL_CS_a7ba8de9fe9446c48364dee0c_bclEnd"></a><a name="XBRL_TS_918b3de4959c416e9dfa4586b_bclEnd"></a><font color=windowtext face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-65</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_69"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=#094FA4 face="BBVA Office Book,sans-serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_07092454bf0c47ff9a7ba778f"></a><a name="_Toc505355937"></a><a name="_Toc495478118"></a><a name="_Toc481589066"></a><a name="_Toc457490011"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">4.&#160;&#160;&#160; Shareholder
remuneration system</font></b></font><a name="XBRL_TS_07092454bf0c47ff9a7ba778f_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc410561199"></a><a name="XBRL_TS_3c19b9eba74f453ca72939784"></a><a name="XBRL_CS_24bf7651968242d19e3407c50"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA&#8217;s
shareholder remuneration policy communicated in October 2013 established the
distribution of an annual pay-out of between 35% and 40% of the profits earned
in each year and the progressive reduction of the remuneration via &#8220;Dividend
Options&#8221;, so that the shareholders&#8217; remuneration would ultimately be fully in
cash. As announced on February 1, 2017, BBVA&#8217;s Board of Directors executed a
capital increase to be charged to voluntary reserves for the instrumentation of
the last &#8220;Dividend Option&#8221;, being the subsequent shareholders&#8217; remunerations
fully in cash, dated March 29, 2017</font></font><a name="XBRL_CS_24bf7651968242d19e3407c50_bclEnd"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. </font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This fully &#8211; in - cash shareholders&#8217; remuneration policy would be
composed, for each year, of a distribution on account of the dividend of such
year (expected to be paid in October) and a final dividend (which would be paid
once the year has ended and the profit allocation has been approved, expected
for April), subject to the applicable authorizations by the competent governing
bodies.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Shareholder remuneration
scheme &#8220;Dividend Option&#8221;</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">During
2012, 2013, 2014, 2015, 2016 and 2017, the Group implemented a shareholder
remuneration system referred to as &#8220;Dividend Option&#8221;.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Under such remuneration scheme, BBVA offered its shareholders the
possibility to receive all or part of their remuneration in the form of
newly-issued BBVA ordinary shares, whilst maintaining the possibility for BBVA
shareholders to receive their entire remuneration in cash by selling the rights
of free allocation assigned either to BBVA (in execution of the commitment
assumed by BBVA to acquire the rights of free allocation at a guaranteed fixed
price) or by selling the rights of free allocation on the market at the
prevailing market price at that time. However, the execution of the commitment
assumed by BBVA was only available to whoever had been originally assigned such
rights of free allocation and only in connection with the rights of free
allocation initially allocated at such time.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On March 29, 2017, BBVA&#8217;s Board of Directors resolved to execute
the capital increase to be charged to voluntary reserves approved by the Annual
General Meeting (&#8220;AGM&#8221;) held on March 17, 2017, under agenda item three, to
implement a &#8220;Dividend Option&#8221; this year. As a result of this increase, the
Bank&#8217;s share capital increased by &#8364;<a name="XBRL_CS_db398ad09fa742e1bcb36f206"></a>49,622,955.62
<a name="XBRL_CS_db398ad09fa742e1bcb36f206_bclEnd"></a>through the issuance
of <a name="XBRL_CS_d160d11e39f84adeb889d8560"></a>101,271,338<a name="XBRL_CS_d160d11e39f84adeb889d8560_bclEnd"></a> newly-issued BBVA ordinary
shares at <a name="XBRL_CS_6e3c8eaee64244248d3082f84"></a>0.49<a name="XBRL_CS_6e3c8eaee64244248d3082f84_bclEnd"></a> euros par value, given
that <a name="XBRL_CS_3f1d214159b84689884cadf95"></a>83.28%<a name="XBRL_CS_3f1d214159b84689884cadf95_bclEnd"></a> of owners of the rights of
free allocation opted to receive newly issued BBVA ordinary shares. The
remaining <a name="XBRL_CS_3b5e42b9efee4bef8b8ef0609"></a>16.72%<a name="XBRL_CS_3b5e42b9efee4bef8b8ef0609_bclEnd"></a> of the owners of the
rights of free allocation exercised the commitment assumed by BBVA, and as a
result, BBVA acquired <a name="XBRL_CS_9b1ed11ecc7f4d20a809fd630"></a>1,097,962,903<a name="XBRL_CS_9b1ed11ecc7f4d20a809fd630_bclEnd"></a> rights (at a gross price
of &#8364;<a name="XBRL_CS_fcac6923d2b0458993657c872"></a>0.131<a name="XBRL_CS_fcac6923d2b0458993657c872_bclEnd"></a> each) for a total amount
of &#8364;<a name="XBRL_CS_1bc61dd898b04029aaf721479"></a>143,833,140.29<a name="XBRL_CS_1bc61dd898b04029aaf721479_bclEnd"></a>. This amount is recorded
in &#8220;Total Equity-Dividends and Remuneration&#8221; of the consolidated balance sheet
as of December 31, 2017 (see Note 26).</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On September, 28 2016, BBVA&#8217;s Board of Directors resolved to
execute the second of the share capital increases to be charged to voluntary
reserves, as agreed by the AGM held on March 11, 2016. As a result of this
increase, the Bank&#8217;s share capital increased by &#8364;<a name="XBRL_CS_8c4f4189af21496cbcd41ea8d"></a>42,266,085.33<a name="XBRL_CS_8c4f4189af21496cbcd41ea8d_bclEnd"></a> through the issuance of <a name="XBRL_CS_d5d9b57ec93340aa8b0d33a41"></a>86,257,317<a name="XBRL_CS_d5d9b57ec93340aa8b0d33a41_bclEnd"></a> newly-issued BBVA ordinary
shares at <a name="XBRL_CS_462f8acfb27445a9967190028"></a>0.49<a name="XBRL_CS_462f8acfb27445a9967190028_bclEnd"></a> euros par value, given
that <a name="XBRL_CS_bbae5f4cb857417580bfb9452"></a>87.85%<a name="XBRL_CS_bbae5f4cb857417580bfb9452_bclEnd"></a> of owners of the rights of
free allocation opted to receive newly-issued BBVA ordinary shares. The
remaining <a name="XBRL_CS_f0477831c388435182df6a36e"></a>12.15%<a name="XBRL_CS_f0477831c388435182df6a36e_bclEnd"></a> of the owners of the
rights of free allocation exercised the commitment assumed by BBVA, and as a
result, BBVA acquired <a name="XBRL_CS_761465e43d284cb4a50432f02"></a>787,374,942<a name="XBRL_CS_761465e43d284cb4a50432f02_bclEnd"></a> rights (at a gross price
of &#8364;<a name="XBRL_CS_c73a5cca53af408f9e5cc4ef8"></a>0.08<a name="XBRL_CS_c73a5cca53af408f9e5cc4ef8_bclEnd"></a> each) for a total amount
of &#8364;<a name="XBRL_CS_1cb46654938441fdab743ccb8"></a>62,989,995.36<a name="XBRL_CS_1cb46654938441fdab743ccb8_bclEnd"></a>. This amount is recorded in
&#8220;Total Equity-Dividends and Remuneration&#8221; of the consolidated balance sheet as
of December 31, 2016 (see Note 26).
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-66</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_70"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On March 31, 2016, BBVA&#8217;s
Board of Directors resolved to execute the first of the share capital increases
to be charged to voluntary reserves, as agreed by the AGM held on March 11,
2016 for the implementation of the shareholder remuneration system called the
&#8220;Dividend Option&#8221;. As a result of this increase, the Bank&#8217;s share capital
increased by &#8364;<a name="XBRL_CS_a5d0f781c5174d02914a9cbeb"></a>55,702,125.43<a name="XBRL_CS_a5d0f781c5174d02914a9cbeb_bclEnd"></a> through the issuance of <a name="XBRL_CS_520cb3cac43b4e47847617a72"></a>113,677,807<a name="XBRL_CS_520cb3cac43b4e47847617a72_bclEnd"></a> newly-issued BBVA ordinary
shares at a &#8364;<a name="XBRL_CS_b3f63fd383014685ba0b73665"></a>0.49<a name="XBRL_CS_b3f63fd383014685ba0b73665_bclEnd"></a> par value, given that <a name="XBRL_CS_8a3a7769d67d4a50b72eca3bf"></a>82.13%<a name="XBRL_CS_8a3a7769d67d4a50b72eca3bf_bclEnd"></a> of owners of the rights of
free allocation opted to receive newly-issued BBVA ordinary shares. The
remaining <a name="XBRL_CS_2883b2f2f37b47018ab5daf5a"></a>17.87%<a name="XBRL_CS_2883b2f2f37b47018ab5daf5a_bclEnd"></a> of the owners of the
rights of free allocation exercised the commitment assumed by BBVA, and as a
result, BBVA acquired <a name="XBRL_CS_426bc4ca4ad446f6a29765b52"></a>1,137,500,965<a name="XBRL_CS_426bc4ca4ad446f6a29765b52_bclEnd"></a> rights (at a gross price
of &#8364;<a name="XBRL_CS_4730d98132c04b3f8b6250d74"></a>0.129<a name="XBRL_CS_4730d98132c04b3f8b6250d74_bclEnd"></a> each) for a total amount
of &#8364;<a name="XBRL_CS_8fbac90836c8432db7634b3c7"></a>146,737,624.49<a name="XBRL_CS_8fbac90836c8432db7634b3c7_bclEnd"></a>. This amount is recorded
in &#8220;Total Equity- Dividends and Remuneration&#8221; of the consolidated balance sheet
as of December 31, 2016 (see Note 26).</font></font><a name="XBRL_TS_3c19b9eba74f453ca72939784_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_23696c2c363e4eb8852b515db"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Cash Dividends</font></font><a name="XBRL_TS_23696c2c363e4eb8852b515db_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f1246836283d40089f5754796"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Throughout 2016, 2017 and 2018, BBVA&#8217;s Board of
Directors approved the payment of the following dividends (interim or final
dividends) fully in cash, recorded in &#8220;Total Equity- Interim Dividends&#8221; of the
consolidated balance sheet of the relevant year:</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">1.</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Board of
Directors, at its meeting held on June 22, 2016, approved the payment in cash
of &#8364;<a name="XBRL_CS_1f5f0bb6393a4ad4af3bd9f68"></a>0.08<a name="XBRL_CS_1f5f0bb6393a4ad4af3bd9f68_bclEnd"></a> (&#8364;<a name="XBRL_CS_6ffa979fb98143d1836cf05b2"></a>0.0648<a name="XBRL_CS_6ffa979fb98143d1836cf05b2_bclEnd"></a> net of withholding tax)
per BBVA share as the first gross interim dividend against 2016 results. The
total amount paid to shareholders on July 11, 2016, after deducting treasury
shares held by the Group's companies, amounted to &#8364;<a name="XBRL_CS_73daf79a9f09469f85e3242f2"></a>517<a name="XBRL_CS_73daf79a9f09469f85e3242f2_bclEnd"></a> million and is recognized
under the headings &#8220;Total Equity- Interim Dividends&#8221; of the consolidated
balance sheet as of December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">2.</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Board of Directors, at its meeting held on December 21, 2016,
approved the payment in cash of &#8364;<a name="XBRL_CS_bd2eb57c4a734304bef3930fd"></a>0.08<a name="XBRL_CS_bd2eb57c4a734304bef3930fd_bclEnd"></a> (&#8364;<a name="XBRL_CS_a78b1dc066744ff4832f7bf63"></a>0.0648<a name="XBRL_CS_a78b1dc066744ff4832f7bf63_bclEnd"></a> withholding tax) per BBVA
share, as the second gross interim dividend against 2016 results. The total
amount paid to shareholders on January 12, 2017, after deducting treasury
shares held by the Group&#8217;s Companies, amounted to &#8364;<a name="XBRL_CS_9374449de6ea401cb9297c7e5"></a>525<a name="XBRL_CS_9374449de6ea401cb9297c7e5_bclEnd"></a> million and is recognized
under the heading &#8220;Total Equity- Interim Dividends&#8221; of the consolidated balance
sheet as of December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:8.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;">3.</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:107%;">&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;">The Board of
Directors, at its meeting held on September 27, 2017, approved the payment in
cash of &#8364;<a name="XBRL_CS_5424b0193c8c4c5f8c93b6026"></a>0.09<a name="XBRL_CS_5424b0193c8c4c5f8c93b6026_bclEnd"></a> (&#8364;<a name="XBRL_CS_e1fcfe3021ff432b8ef83edea"></a>0.0729<a name="XBRL_CS_e1fcfe3021ff432b8ef83edea_bclEnd"></a> net of withholding tax)
per BBVA share, as the first gross interim dividend against 2017 results. The
total amount paid to shareholders on October 10, 2017, after deducting treasury
shares held by the Group's companies, amounted to &#8364;<a name="XBRL_CS_4c89756023be48639afc3ce0b"></a>599<a name="XBRL_CS_4c89756023be48639afc3ce0b_bclEnd"></a> million and is recognized
under the heading &#8220;Total Equity- Interim Dividends&#8221; of the consolidated balance
sheet as of December 31, 2017.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">4.</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Annual General Meeting of BBVA held on March 16, 2018
approved, under item 1 of the Agenda, the payment of a final dividend for 2017,
in addition to other dividends previously paid, in cash for an amount equal to
&#8364;<a name="XBRL_CS_01326c38fce64e16bb6584e21"></a>0.15<a name="XBRL_CS_01326c38fce64e16bb6584e21_bclEnd"></a> (&#8364;<a name="XBRL_CS_508d5524f60c427fad2346906"></a>0.1215<a name="XBRL_CS_508d5524f60c427fad2346906_bclEnd"></a> net of withholding tax)
per BBVA share. The total amount paid to shareholders on April 10, 2018, after
deducting treasury shares held by the Group&#8217;s companies, amounted &#8364;<a name="XBRL_CS_5f0883936f1b4d1a9ce264e3f"></a>996<a name="XBRL_CS_5f0883936f1b4d1a9ce264e3f_bclEnd"></a> million and is recognized
under heading &#8220;Total Equity-&#160; Final Dividends&#8221; of the consolidated balance
sheet as of December 31, 2018. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">5.</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Board of Directors, at its meeting held on September 26, 2018,
approved the payment in cash of &#8364;<a name="XBRL_CS_965030db1a0849cdbee2c2cb9"></a>0.10<a name="XBRL_CS_965030db1a0849cdbee2c2cb9_bclEnd"></a> (&#8364;<a name="XBRL_CS_8ac52d809e554e9887f312363"></a>0.081<a name="XBRL_CS_8ac52d809e554e9887f312363_bclEnd"></a> net of withholding tax
rate of 19%) per BBVA share, as gross interim dividend based on 2018 results.
The total amount paid to shareholders on October 10, 2018, after deducting
treasury shares held by the Group&#180;s companies, amounted &#8364;<a name="XBRL_CS_852ce8eff4ce4cc5a2418c21f"></a>663<a name="XBRL_CS_852ce8eff4ce4cc5a2418c21f_bclEnd"></a> million and is recognized
under heading &#8220;Total Equity-&#160; Interim Dividends&#8221; of the consolidated balance
sheet as of December 31, 2018.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-67</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_71"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:avoid;text-align:justify;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The interim accounting statements prepared in accordance with
legal requirements evidencing the existence of sufficient liquidity for the
distribution of the amounts agreed on September 26, 2018, mentioned above are
as follows:</font></font><a name="XBRL_TS_f1246836283d40089f5754796_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_4_001anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:20.45pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Available Amount for Interim Dividend Payments (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">August, 31,
  2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.45pt;">
  <td width=89% style="border:none;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Profit&#160; of BBVA, S.A., after the provision for income tax</font></font></p>
  </td>
 <td width=11% style="border:none;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,462</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Additional Tier I capital instruments remuneration</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">236</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Maximum amount
  distributable</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,226</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Amount of proposed interim dividend</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">667</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">BBVA cash balance available to the date</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,577</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_580ccca2b4894cc69692fa7f2"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;">Proposal on allocation of earnings for 2018</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The allocation of earnings for 2018 subject to
the approval of the Board of Directors at the Annual Shareholders Meeting is
presented below:</font></font><a name="XBRL_TS_580ccca2b4894cc69692fa7f2_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_4_002anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.15pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Allocation of Earnings (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:25.15pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:25.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:25.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Profit for year
  (*)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,316</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Distribution:</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=89% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interim dividends</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">667</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=89% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Final dividend</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,067</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=89% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additional Tier 1
  securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">313</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=89% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Voluntary reserves</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">269</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_1df5ff0d6cce48b9905a80042"></a><a name="XBRL_TS_160a3026ad4449d98af53f64d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:115%;">(*)&#160; Net
income of BBVA, S.A.</font></font><a name="XBRL_TS_160a3026ad4449d98af53f64d_bclEnd"></a><a name="XBRL_TS_1df5ff0d6cce48b9905a80042_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-68</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_72"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_fff96b47f9944828b118dc7d4"></a><a name="_Toc105946"></a><a name="_Toc505355938"></a><a name="_Toc495478119"></a><a name="_Toc481589067"></a><a name="_Toc457490012"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">5.&#160;&#160;&#160; Earnings per share</font></b></font><a name="XBRL_TS_fff96b47f9944828b118dc7d4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_ebb6cf5741a44dc388a100898"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Basic and diluted earnings per
share are calculated in accordance with the criteria established by IAS 33. For
more information see Glossary of terms.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The calculation of earnings per
share is as follows:</font></font><a name="XBRL_TS_ebb6cf5741a44dc388a100898_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_5_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Basic and Diluted Earnings per Share</font></font></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Numerator for basic and diluted earnings per share (millions of euros)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Profit attributable to parent company</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,324</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,519</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,475</font></font></p>
  </td>
 </tr>
<tr style="height:16.15pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:16.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Adjustment: Additional
  Tier 1 securities (1)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(313)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(301)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(260)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Profit adjusted (millions of euros) (A)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,011</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,218</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,215</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.45pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Profit from discontinued operations (net of non-controlling interest)
  (B)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Denominator for basic earnings per share (number of shares outstanding)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=67% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Weighted average number of shares outstanding (2)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,668</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,642</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,468</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Weighted average number of shares outstanding x corrective factor (3)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,668</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,642</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,592</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Adjusted number of shares - Basic earning per share (C)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,636</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,642</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,592</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Adjusted number of shares - diluted earning per share&#160; (D)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,636</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,642</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,592</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Earnings per
  share (*)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.76</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.48</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.49</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Basic earnings per share from continued operations (Euros per
  share)A-B/C</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.76</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.48</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.49</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Diluted earnings per share from continued operations (Euros per
  share)A-B/D</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.76</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.48</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.49</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Basic earnings per share from discontinued operations (Euros per
  share)B/C</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Diluted earnings per share from discontinued operations (Euros per
  share)B/D</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_TS_bf78c4437d2a480797fe2b900"></a><a name="XBRL_FS_cbc739d5f53149aa80c6bbc30"></a><a name="XBRL_TS_3d449f3f8de441ef93073eb94"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(1)&#160; Remuneration in the year related to
contingent convertible securities, recognized in equity (see Note 22.4).</font></font><a name="XBRL_FS_cbc739d5f53149aa80c6bbc30_bclEnd"></a><a name="XBRL_TS_3d449f3f8de441ef93073eb94_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_5762417f0c6d4bd6b62668401"></a><a name="XBRL_TS_e4e342506d734a9383c68e5b5"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(2)&#160; Weighted average number of shares
outstanding (millions of euros), excluding weighted average of treasury shares
during the period.</font></font><a name="XBRL_FS_5762417f0c6d4bd6b62668401_bclEnd"></a><a name="XBRL_TS_e4e342506d734a9383c68e5b5_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_FS_5d70ef44131445a7a6afc2fa4"></a><a name="XBRL_TS_cfa7ec7346994206a06d4b2a5"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(3)&#160; Corrective factor, due to the capital
increase with pre-emptive subscription right, applied for the previous years.</font></font><a name="XBRL_FS_5d70ef44131445a7a6afc2fa4_bclEnd"></a><a name="XBRL_TS_cfa7ec7346994206a06d4b2a5_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_95ce311e0ddd4e8c899bb4671"></a><a name="XBRL_TS_b48b79fbe01b493ba5bd31a08"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160;&#160;
As of December 31, 2018 the weighted average number of shares outstanding was
6,668 million (6,642 and 6,468 million as of December 31, 2017 and 2016,
respectively) and the adjustment of additional Tier 1 securities amounted to
&#8364;313 million (&#8364;301 and &#8364;260 million as of December 31, 2017 and 2016,
respectively).</font></font><a name="XBRL_FS_95ce311e0ddd4e8c899bb4671_bclEnd"></a><a name="XBRL_TS_b48b79fbe01b493ba5bd31a08_bclEnd"></a><a name="XBRL_TS_bf78c4437d2a480797fe2b900_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_b16450ed7fd043889c914f0c0"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017
and 2016, there were no other financial instruments or share option commitments
to employees that could potentially affect the calculation of the diluted
earnings per share for the years presented.</font></font><a name="Nota_6"></a><a name="Nota_6_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> For this reason, basic and diluted earnings
per share are the same.</font></font><a name="XBRL_TS_b16450ed7fd043889c914f0c0_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_4763eae6e5c4457eb3b71dee0"></a><a name="_Toc105947"></a><a name="_Toc505355939"></a><a name="_Toc495478120"></a><a name="_Toc481589068"></a><a name="_Toc457490013"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-69</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">6.&#160;&#160;&#160; Operating segment
reporting</font></b></font><a name="XBRL_TS_4763eae6e5c4457eb3b71dee0_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_a65b2ecd03304cc999f314272"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Operating segment reporting represents a basic
tool in the oversight and management of the BBVA Group&#8217;s various activities.
The BBVA Group compiles reporting information on disaggregated business
activities. These business activities are then aggregated in accordance with
the organizational structure determined by the BBVA Group and, ultimately, into
the reportable operating segments themselves</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font><a name="XBRL_TS_a65b2ecd03304cc999f314272_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_0c1f85aae65a4226a3c862a0e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of June 30,
2019, the reporting structure of the BBVA Group&#8217;s business areas differs from
the one presented at the end of the year 2018, as a result of the integration
of the Non-Core Real Estate business area into Banking Activity in Spain, and
the subsequent change of the segment name to Spain. Additionally, balance sheet
intra-group adjustments between the Corporate Center and the operating segments
have been reallocated to the corresponding operating segments as of and for the
years ended December 31, 2018, 2017 and 2016. In addition, certain expenses
related to global projects and activities between the Corporate Center and the
operating segments have been reallocated as of and for the years ended December
31, 2018, 2017 and 2016. In order to make the information comparable, as
required by IFRS 8 &#8220;Information by business segments&#8221;, we have recast our
segment financial information as of and for the years ended December 31, 2018,
2017 and 2016. The BBVA Group&#8217;s business areas are summarized below</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">:</font></font><a name="XBRL_TS_0c1f85aae65a4226a3c862a0e_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><a name="XBRL_TS_8154729788d241e98b043ca38"></a><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Spain </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Includes mainly the banking and insurance business that the Group
carries out in Spain</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The United States</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Includes the Group&#8217;s business activity in the country through the
BBVA Compass Group and the BBVA New York branch</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Mexico</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Includes the Group&#180;s banking and insurance businesses in this
country as well as the activity of the BBVA Bancomer branch in Houston</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">.</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">
&nbsp;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Turkey</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Reports the activity of the Garanti group that is mainly carried
out in this country and, to a lesser extent, in Romania and the Netherlands</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.
</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">South America</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Includes the Group&#180;s banking and insurance businesses in the
region</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Rest of Eurasia </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Includes the banking business activity carried out by the Group in
Asia and Europe, excluding Spain</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font><a name="XBRL_TS_8154729788d241e98b043ca38_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_61d6701c4abe48539de3163c3"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-70</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_74"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Lastly,
the Corporate Center contains the Group&#8217;s holding function, including: the
costs of the head offices with a corporate function; management of structural
exchange rate positions; certain equity instruments issuances to ensure an
adequate management of the Group's global solvency. It also includes portfolios
whose management is not linked to customer relationships, such as industrial
holdings; certain tax assets and liabilities; funds due to commitments to
employees; goodwill and other intangible assets. As of December 31, 2018, it
contains the 20% stake of BBVA in Divarian&#180;s share capital (see Note 3</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">).</font></font><a name="XBRL_TS_61d6701c4abe48539de3163c3_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_db468be58dae4ef18aaa6895f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the BBVA Group&#8217;s total assets
by operating segments as of December 31, 2018, 2017 and 2016, is as follows</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">:</font></font><a name="XBRL_TS_db468be58dae4ef18aaa6895f_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_6_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total Assets by Operating Segments (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">354,901</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">350,520</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">368,398</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82,057</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">75,775</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84,726</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">97,432</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90,214</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">94,229</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66,250</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78,789</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84,990</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,373</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">75,320</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">77,989</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of Eurasia</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,834</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,265</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,586</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Subtotal Assets by Operating Segments</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">673,848</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">687,884</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">729,918</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Corporate Center and other adjustments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,841</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,175</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,938</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total Assets
  BBVA Group</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">676,689</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">690,059</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">731,856</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:0pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_b1cb433deb1f4023b886a4e7e"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-71</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_75"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
attributable profit and main earning figures in the consolidated income
statements for the years ended December 31, 2018, 2017 and 2016 by operating
segments are as follows:</font></font><a name="XBRL_TS_b1cb433deb1f4023b886a4e7e_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_6_004dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=10 width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face="BBVA Office Light,sans-serif" style="border:none;"><font color=black face="BBVA Office Light,sans-serif" lang=EN-US style="font-size:6.0pt;line-height:normal;">Main Margins and Profits by Operating Segments (Millions of
  euros)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=37% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face="BBVA Office Light,sans-serif" style="border:none;"><b><font color=#004481 face="BBVA Office Light,sans-serif" lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face="BBVA Office Light,sans-serif" style="border:none;"><b><font color=#004481 face="BBVA Office Light,sans-serif" lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=8 nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Operating
  Segments</font></b></font></p>
  </td>
 </tr>
<tr style="height:40.5pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA Group</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">United States</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">South America</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest of
  Eurasia</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Corporate
  Center</font></b></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net interest income</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,591</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,698</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,276</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,568</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,135</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,009</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">175</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(269)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross income</font></font></p>
  </td>
 <td width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,747</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,968</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,989</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,193</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,901</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,701</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">414</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(420)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Operating profit /(loss) before tax</font></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,580</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,840</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">920</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,269</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,444</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,288</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">148</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,329)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55.2</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,324</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,400</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">736</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,367</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">567</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">578</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">96</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(419)</font></b></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net interest income</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,758</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,810</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,119</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,476</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,331</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,200</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">180</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(357)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross income</font></font></p>
  </td>
 <td width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25,270</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,162</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,876</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,122</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,115</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,451</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">468</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">74</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Operating profit /(loss) before tax</font></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,931</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,189</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">749</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,960</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,143</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,671</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">181</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,962)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55.2</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,519</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">877</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">486</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,170</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">823</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">847</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,812)</font></b></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net interest income</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,059</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,937</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,923</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,155</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,404</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,930</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">166</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(456)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross income</font></font></p>
  </td>
 <td width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24,653</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,410</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,673</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,799</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,257</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,054</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">491</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(31)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Operating profit /(loss) before tax</font></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,392</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">519</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">589</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,678</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,902</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,533</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">207</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,035)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=37% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit</font></b></font></p>
  </td>
 <td width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55.2</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,475</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">305</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">442</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,980</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">596</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">757</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">154</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(760)</font></b></font></p>
  </td>
 </tr>
</table></div>



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&nbsp;</font>

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<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="_Toc474142221"></a><a name="_Toc505356836"></a><a name="_Toc474142213"></a><a name="XBRL_TS_062524e2e1cb4d2c81c05b84b"></a><a name="_Toc495478121"></a><a name="_Toc481589069"></a><a name="_Toc457490014"></a><a name="_Toc105948"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">7.&#160;&#160;&#160; Risk
management</font></b></font><a name="XBRL_TS_062524e2e1cb4d2c81c05b84b_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border:none;border-collapse:collapse;margin-left:10.0pt;width:100%;">
 <tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none windowtext 1.0pt;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none windowtext 1.0pt;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">PAGE</font></b></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.1</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_77"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">General risk management and control model</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-74</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.1.1</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_77"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Governance and organization</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-74</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.1.2</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_81"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk Appetite Framework</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-78</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.1.3</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_83"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Decisions and processes</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-80</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.1.4</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_85"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assessment, monitoring and reporting</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-82</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.1.5</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_85"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Infrastructure</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-82</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.1.6</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_86"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk culture</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-83</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.2</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_87"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk factors</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-84</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.3</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_89"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Credit risk</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-86</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.3.1</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_90"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Measurement Expected Credit Loss (ECL)</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-87</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.3.2</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_92"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Credit risk exposure</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-89</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.3.3</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_97"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Mitigation of credit risk, collateralized
  credit risk and other credit enhancements</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-94</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.3.4</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_98"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Credit quality of financial assets that are
  neither past due nor impaired</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-95</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.3.5</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_100"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Past due but not impaired and impaired
  secured loans risks</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-97</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.3.6</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_107"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Impairment losses</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-104</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.3.7</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_113"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Refinancing and restructuring operations</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-110</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.4</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_115"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Market risk</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-112</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.4.1</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_115"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Market risk trading portfolios</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-112</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.4.2</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_121"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Structural risk</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-118</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.4.3</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_124"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial Instruments offset</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-121</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.5</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_126"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Liquidity risk</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-123</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.5.1</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_126"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Liquidity risk management</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-123</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.5.2</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_134"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Asset encumbrance</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-131</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.6</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_137"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Operational Risk</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-134</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=12% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.7</font></font></p>
  </td>
 <td valign=top width=75% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a href="#page_140"><font color=#0563C1 style="border:none;"><u><font color=#0563C1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk concentration</font></u></font></a></p>
  </td>
 <td valign=top width=13% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin-bottom:5.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:right;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">F-137</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_263b31f9dd4e47e39aafb85a8"></a><a name="_Toc505356828"></a><a name="_Toc105949"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-73</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">7.1&#160;&#160; General
risk management and control model</font></b></font><a name="XBRL_TS_263b31f9dd4e47e39aafb85a8_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_2347cf571cfe4b2babd6e1893"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group has an overall
risk management and control model (hereinafter 'the model') tailored to its
business model, its organization and the geographies in which it operates, This
model allows BBVA Group to develop its activity in accordance with the risk
strategy and risk controls and management policies defined by the governing
bodies of the Bank and to adapt to a changing economic and regulatory
environment, tackling risk management globally and adapted to the circumstances
at all times. The model establishes a system of appropriate risk management
regarding risk profile and strategy of the Group.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This
model is applied comprehensively in the Group and consists of the basic
elements listed below:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Governance and organization.
</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk Appetite Framework.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Decisions and processes.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assessment, monitoring and
reporting.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Infrastructure. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:2.85pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group promotes the development
of a risk culture which aims to ensure consistent application of the risk
management and control model in the Group, so that the risk function is
understood and assimilated at all levels of the organization.</font></font><a name="XBRL_TS_2347cf571cfe4b2babd6e1893_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_be1add8bcb404be6b2c40089a"></a><a name="_Toc403992095"></a><a name="_Toc474142214"></a><a name="_Toc505356829"></a><a name="_Toc105950"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.1.1&#160;&#160; Governance and organization</font></b></font><a name="XBRL_TS_be1add8bcb404be6b2c40089a_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_bee7971a77d94fcda441b48a2"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA Group&#180;s risk governance
model is characterized by a special involvement of its corporate bodies, both
in setting the risk strategy and in the ongoing monitoring and supervision of
its implementation.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Thus, as
developed below, the corporate bodies are the ones that approve this risk
strategy and corporate policies for the different types of risk. The risk
function is responsible at management level for their implementation and
development, and reporting to the governing bodies.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
responsibility for the daily management of the risks lies on the businesses
which abide in the development of their activity to meet the policies, rules,
procedures, infrastructures and controls, which are defined by the function
risk on the basis of the framework set by the governing bodies.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">To perform
this task properly, the risk function in the BBVA Group is configured as a
single, global function with an independent role from commercial areas.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Corporate bodies</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Board of Directors
(hereinafter also referred to as &quot;the Board&quot;) approves the risk
strategy and oversees the internal management and control systems.
Specifically, in relation to the risk strategy, the Board approves the Group's
risk appetite statement, the core metrics (and their statements) and the main
metrics by type of risk, as well as the general risk management and control
model.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Board of Directors is also
responsible for approving and monitoring the strategic and business plan, the
annual budget and management goals, as well as the investment and funding
policy, in a consistent way and in line with the approved Risk Appetite
Framework. For this reason, the processes for defining the Risk Appetite
Framework proposals and the strategic and budgetary planning at Group level are
coordinated by the executive areas for submission to the Board.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">the aim of integrating the
Risk Appetite Framework into management, on the basis established by the Board
of Directors, the Executive Committee approves the metrics by type of risk in
relation to profitability and income recurrence and the Group's basic structure
of limits by geographical area, risk type, asset type and portfolio level. This
committee also approves specific corporate policies for each type of risk</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-74</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_78"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Lastly, the
Board has set up a Board committee specialized in risks, the Risk Committee,
that assists the Board and the Executive Committee in determining the Group's
risk strategy and the risk limits and policies, respectively, analyzing and
assessing beforehand the proposals submitted to those bodies. The Board of
Directors has the exclusive authority to amend the Group&#8217;s risk strategy and
its elements, including the Risk Appetite Framework metrics within its scope of
decision, while the Executive Committee is responsible for amending the metrics
by type of risk within its scope of decision and the Group's basic structure of
limits (core limits), when applicable. In both cases, the amendments follow the
same decision-making process described above, so the proposals for amendment
are submitted by the executive area (Chief Risk Officer, &#8220;CRO&#8221;) and analyzed by
the Risk Committee, for later submission to the Board of Directors or to the
Executive Committee, as appropriate.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Moreover, the Risk Committee, the
Executive Committee and the Board itself conduct adequate monitoring of the
risk strategy implementation and of the Group's risk profile. The risk function
regularly reports on the development of the Group's Risk Appetite Framework
metrics to the Board and to the Executive Committee, after the analysis by the
Risk Committee, whose role in this monitoring and control work is particularly
relevant.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Risk Function:
CRO. Organizational structure and committees</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The head of the risk function at
executive level is the Group&#8217;s CRO, who carries out his functions independently
and with the necessary authority, rank, experience, knowledge and resources. He
is appointed by the Board as a member of its senior management and has direct
access to its corporate bodies (Board, Executive Standing Committee and Risk
Committee), to whom he reports regularly on the status of risks in the Group. </font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The CRO is supported in the
exercise of his functions by a structure consisting of cross-sectional risk
units in the corporate area and the specific risk units in the geographical
and/or business areas of the Group. Each of the latter units is headed by a
Chief Risk Officer for the geographical and/or business area who, within
his/her area of responsibility, carries out risk management and control
functions and is responsible for applying the corporate policies and rules
approved at Group level in a consistent manner, adapting them if necessary to
local requirements and reporting to the local corporate bodies. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Chief Risk Officers of the
geographical and/or business areas report both to the Group's CRO and to the
head of their geographical and/or business area. The aim of this dual reporting
system is that the local risk management function is independent from the
operating functions and enable its alignment with the Group's corporate risk
policies and goals.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;line-height:115%;">&#160;&nbsp;</font></font><a name="_Toc398662977"></a><a name="_Toc398676023"></a><a name="_Toc398676073"></a><a name="_Toc398719253"></a><a name="_Toc398662978"></a><a name="_Toc398676024"></a><a name="_Toc398676074"></a><a name="_Toc398719254"></a><a name="_Toc398662983"></a><a name="_Toc398676029"></a><a name="_Toc398676079"></a><a name="_Toc398719259"></a><a name="_Toc398662985"></a><a name="_Toc398676031"></a><a name="_Toc398676081"></a><a name="_Toc398719261"></a><a name="_Toc398662987"></a><a name="_Toc398676033"></a><a name="_Toc398676083"></a><a name="_Toc398719263"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As
explained above, the risk management function consists of risk units from the
corporate area, which carry out cross-sectional functions, and risk units from
the geographical and/or business areas. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The corporate area's risk
units develop and submit to the Group CRO the proposal for the Group's Risk
Appetite Framework, the corporate policies, rules and global procedures and
infrastructures within the framework approved by the corporate bodies; they
monitor their application and report either directly or through the CRO to the
Bank's corporate bodies. Their functions include:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Management of the different types of risks at
Group level in accordance with the strategy defined by the corporate bodies. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Risk planning aligned with the risk appetite
framework principles defined by the Group.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Monitoring and control of the Group's risk
profile in relation to the risk appetite framework approved by the Bank's
corporate bodies, providing accurate and reliable information with the required
frequency and in the necessary format.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Prospective analyses to enable an evaluation
of compliance with the risk appetite framework in stress scenarios and the
analysis of risk mitigation mechanisms. </font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Management of the
technological and methodological developments required for implementing the
Model in the Group.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Design of the Group's Internal Control model
and definition of the methodology, corporate criteria and procedures for
identifying and prioritizing the risk inherent in each unit's activities and
processes.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Validation of the models used and the results
obtained by them in order to verify their adaptation to the different uses to
which they are applied.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The risk units in the
business units develop and present to the Chief Risk Officer of the
geographical and/or business area the risk appetite framework proposal
applicable in each geographical and/or business area, independently and always
within the Group's strategy/Risk Appetite Framework. They also monitor that the
corporate policies and rules are approved and applied consistently at a Group
level, adapting them if necessary to local requirements; that they are provided
with appropriate infrastructures for management and control of their risks,
within the global risk infrastructure framework defined by the corporate areas;
and that they report to their corporate bodies and/or to senior management, as
appropriate.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The local risk units thus work with
the corporate area risk units in order to adapt to the risk strategy at Group
level and share all the information necessary for monitoring the development of
their risks. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The risk function has a
decision-making process to perform its functions, underpinned by a structure of
committees, where the Global Risk Management Committee (GRMC) acts as the
top-level committee within the risk function. It proposes, examines and, where
applicable, approves, among others, the internal risk regulatory framework and
the procedures and infrastructures needed to identify, assess, measure and
manage the material risks faced by the Group in carrying out its business, and
the determination of risk limits by portfolio. The members of this Committee
are the Group's CRO</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">, the Heads of the main Areas of the GRM Front, the Heads of GRM
Corporate Discipline Units and the Head of Risk Management Group of GRM</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.
</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The GRMC carries out its functions
assisted by various support committees which include: </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Global Credit Risk
Management Committee: It is responsible for analyzing and decision-making
related to wholesale credit risk admission.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Wholesale Credit Risk
Management Committee: its purpose is the analysis and decision-making regarding
the admission of wholesale credit risk of certain customer segments of the BBVA
Group.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Work Out
Committee: </font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">its purpose is to be
informed about decisions taken under the delegation framework regarding risk
proposals concerning clients on Watch List and clients classified as NPL of
certain customer segments of the BBVA Group, as well the sanction of proposals
regarding entries, exits and changes of Watch List, entries and exits in
non-performing unlikely to pay and turns to written off</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Asset Allocation Committee:
The executive authority responsible for analyzing and deciding on credit risk
issues related to processes aimed at achieving a portfolios combination and
composition that, under the restrictions imposed by the Risk Appetite
framework, allows to maximize the risk adjusted return on equity.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk Models Management
Committee: It ensures an appropriate decision-making process regarding the
planning, development, implementation, use, validation and monitoring of the&#160;
models required to achieve an appropriate management of the Model Risk in&#160; the
BBVA Group.</font></font></p>

<p align=left style="border:none;margin-bottom:8.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:left;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:107%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:107%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;">Global Markets Risk Unit
Global Committee: It is responsible for formalizing, supervising and
communicating the monitoring of trading desk risk in all the Global Markets
business units, as well as coordinating and approving GMRU key decisions
activity, and developing and proposing to GRMC the corporate regulation of the
unit.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Operational Risk and Product
Governance Corporate Admission Committee: It identifies, analyzes and assesses
the operational risks associated initiatives related with new business,
products or </font></font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-76</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">services, outsourcing, process
transformation and new systems, prior to its launch. As well, it will verify
that Product Governance normative requirements are met and will decide about
the insurance scheme (global policies). </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Retail Credit Risk
Committee: It provides for the analysis, discussion and decision support on all
issues regarding the retail credit risk management that impact or potentially
do in the practices, processes and corporate metrics established in the
Policies, Rules and Operating Frameworks.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Asset Management Global Risk
Steering Committee: its purpose is to develop and coordinate the strategies,
policies, procedures, and infrastructure necessary to identify, assess, measure
and manage the material risks facing the bank in the operation of businesses
linked to BBVA Asset Management.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Global Insurance Risk
Committee: its purpose is to monitor and promote the alignment and the
communication between all the Insurance Risk Units in the BBVA Group. It will
do this by promoting the application of standardized principles, policies,
tools and risk metrics in the different regions with the aim of maintaining
proper integration of insurance risk management in the Group.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">COPOR: its purpose is to
analyze and make decision in relation to the operations of the various
geographies in which Global Markets is present.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Each geographical and/or business
area has its own risk management committee (or committees), with objectives and
contents similar to those of the corporate area, which perform their duties
consistently and in line with corporate risk policies and rules, whose
decisions are reflected in the corresponding minutes. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Under this organizational scheme,
the risk management function monitors that the risk strategy, the regulatory
framework, and standardized risk infrastructures and controls are integrated
and applied across the entire Group. It also benefits from the knowledge and
proximity to customers in each geographical and/or business area, and transmits
the corporate risk culture to the Group's different levels. Moreover, this
organization enables the risks function to conduct and report to the corporate
bodies integrated monitoring and control of the entire Group's risks.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc403992098"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Internal Risk Control and Internal Validation</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group has a specific Internal
Risk Control unit. Its main function is to manage that there is an adequate
internal regulatory framework, a process and measures defined for each type of
risk identified in the Group (and for those other types of risk that may
potentially affect the Group). It controls their application and operation, as
well as integrating the risk strategy into the Group's management. In this
regard, the Internal Risk Control monitors verifies the performance of their
duties by the units that develop the risk models, manage the processes and
execute the controls. Its scope of action is global, from the geographical
point of view and the type of risks.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Group's Head of Internal Risk Control is responsible for the function and
reports on its activities and informs of its work plans to the CRO and to the
Board's Risks Committee, assisting it in any matters where requested. For these
purposes the Internal Risk Control department has a Technical Secretary's
Office, which offers the Committee the technical support it needs to better
perform its duties.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, the Group has an
Internal Validation unit, which reviews the performance of its duties by the
units that develop the risk models and of those that use them in management.
Its functions include review and independent validation at internal level of
the models used for management and control of risks in the Group.</font></font><a name="XBRL_TS_bee7971a77d94fcda441b48a2_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_e6fa96c3e51a4977b657c60e7"></a><a name="_Toc105951"></a><a name="_Toc505356830"></a><a name="_Toc474142215"></a><a name="_Toc398662997"></a><a name="_Toc398676043"></a><a name="_Toc398676093"></a><a name="_Toc398719273"></a><a name="_Toc398662998"></a><a name="_Toc398676044"></a><a name="_Toc398676094"></a><a name="_Toc398719274"></a><a name="_Toc398662999"></a><a name="_Toc398676045"></a><a name="_Toc398676095"></a><a name="_Toc398719275"></a><a name="_Toc398663001"></a><a name="_Toc398676047"></a><a name="_Toc398676097"></a><a name="_Toc398719277"></a><a name="_Toc398663002"></a><a name="_Toc398676048"></a><a name="_Toc398676098"></a><a name="_Toc398719278"></a><a name="_Toc398663003"></a><a name="_Toc398676049"></a><a name="_Toc398676099"></a><a name="_Toc398719279"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.1.2&#160;&#160; Risk
Appetite Framework</font></b></font><a name="XBRL_TS_e6fa96c3e51a4977b657c60e7_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_91581f24cb364d7fbfd50f3e8"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group's Risk Appetite
Framework, approved by the corporate bodies, determines the risks (and their
level) that the Group is willing to assume to achieve its business objectives considering
an organic evolution of its business. These are expressed in terms of solvency,
profitability and liquidity and funding, which are reviewed periodically as
well as in case of material changes to the entity&#8217;s business or relevant
corporate transactions. The definition of the risk appetite has the following
goals:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">To express
the</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">maximum levels of risk</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> it is willing to assume, at both Group and
geographical and/or business area level.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">To
establish a set of guidelines for action and a management framework </font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">for the medium and long term that prevent
actions from being taken (at both Group and geographical and/or business area
level) that could compromise the future viability of the Group.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">To establish a framework for
relations with the geographical and/or business areas that, while preserving
their decision-making autonomy, monitors they act consistently, avoiding uneven
behavior.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">To establish a common
language throughout the organization and develop a compliance-oriented risk
culture.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Alignment
with the new regulatory requirements, </font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">facilitating communication with regulators, investors and other
stakeholders, thanks to an integrated and stable risk management framework.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk
appetite framework is expressed through the following elements:</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Risk Appetite
Statement</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">It sets out the general principles
of the Group's risk strategy and the target risk profile. The 2018 Group&#8217;s Risk
appetite statement is as follows:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA Group's Risk Policy is aimed
to promote a multichannel and responsible universal banking model, based on
principles, targeting sustainable growth, risk adjusted profitability and
recurrent value creation. To achieve these objectives, the Risk Management
Model is oriented to maintain a moderate risk profile that allows the Group to
keep strong financial fundamentals in adverse environments preserving our
strategic goals, maintaining a prudent management, an integral view of risks,
and a portfolio diversification by geography, asset class and client segment,
focusing on keeping a long term relationship with our customers.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Core metrics </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Based on the risk appetite
statement, statements are established to set down the general risk management
principles in terms of solvency, liquidity and funding, profitability and
income recurrence.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Solvency: a sound capital
position, maintaining resilient capital buffer from regulatory and internal
requirements that supports the regular development of banking activity even
under stress situations. As a result, BBVA proactively manages its capital
position, which is tested under different stress scenarios from a regular
basis.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Liquidity and funding: A
sound balance-sheet structure to sustain the business model. Maintenance of an
adequate volume of stable resources, a diversified wholesale funding structure,
which limits the weight of short term funding and ensures the access to the
different funding markets, optimizing the costs and preserving a cushion of
liquid assets to overcome a liquidity survival period under stress scenarios.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Profitability and income
recurrence: A sound margin-generation capacity supported by a recurrent
business model based on the diversification of assets, a stable funding and a
customer focus; combined with a moderate risk profile that limits the credit
losses even under stress situations; all focused on allowing income stability
and maximizing the risk-adjusted profitability.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The core metrics define, in
quantitative terms, the principles and the target risk profile set out in the
risk appetite statement and are in line with the strategy of the Group. Each metric
has three thresholds (traffic-light approach) ranging from a standard business
management to higher deterioration levels: Management reference, Maximum
appetite and Maximum capacity.</font></font><a name="XBRL_TS_91581f24cb364d7fbfd50f3e8_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> <a name="XBRL_TS_7a6940361357486eb09201da0"></a>The 2018 Group&#8217;s Core metrics are:<a name="XBRL_TS_7a6940361357486eb09201da0_bclEnd"></a></font></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><img border=0 height=220 id="1 Imagen" src="d20f2018recastx81x0.gif" width=504></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_57b1dc54e0ea4999837b0050c"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">By type of risk metrics </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Based on the core metrics,
statements are established for each type of risk reflecting the main principles
governing the management of that risk and several metrics are calibrated,
compliance with which enables compliance with the core metrics and the risk
appetite statement of the Group. The metrics by type of risk have a maximum
appetite threshold.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Basic limits structure (core limits) </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The purpose of the basic limits
structure or core limits is to shape the Risk Appetite Framework at
geographical area risk type, asset type and portfolio level, ensuring that the
management of risks on an ongoing basis is within the thresholds set forth for
by type of risk.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition to this framework,
there&#8217;s a level of management limits that is defined and managed by the risk
function developing the core limits, in order to ensure that the anticipatory
management of risks by subcategories or by subportfolios complies with that
core limits and, in general, with the Risk Appetite Framework.</font></font><a name="XBRL_TS_57b1dc54e0ea4999837b0050c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
following graphic summarizes the structure of BBVA&#8217;s Risk Appetite Framework:</font></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><img border=0 height=235 id="Imagen 2" src="d20f2018recastx82x0.jpg" width=229></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_7d8990c5d8534d789a4e4571e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The corporate risk area works
with the various geographical and/or business areas to define their risk
appetite framework, which will be coordinated with and integrated into the Group's
risk appetite to ensure that its profile fits as defined.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Risk Appetite Framework is
integrated into the management and the processes for defining the Risk Appetite
Framework proposals and strategic and budgetary planning at Group level are
coordinates.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As explained above, the core
metrics of BBVA Risk Appetite Framework measure Groups performance in terms of
solvency, liquidity and funding, profitability and income recurrence; most of
the core metrics are accounting related or regulatory metrics which are
published regularly to the market in the BBVA Group annual report and in the
quarterly financial reports. During 2018, the Group risk profile evolved in
line with the Risk Appetite metrics.</font></font><a name="XBRL_TS_7d8990c5d8534d789a4e4571e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_561332d0b0d4497f9e3060a59"></a><a name="_Toc403992100"></a><a name="_Toc105952"></a><a name="_Toc505356831"></a><a name="_Toc474142216"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.1.3&#160;&#160; Decisions and processes</font></b></font><a name="XBRL_TS_561332d0b0d4497f9e3060a59_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c9c00f6dec0a4dedbd5e2a594"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The transfer of risk appetite
framework to ordinary management is supported by three basic aspects:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A standardized set of
regulations.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=ES style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=ES style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk planning.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Comprehensive management of
risks over their life cycle.
</font></font></p>

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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-80</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Standardized </font></font><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">regulatory framework</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
corporate risk area is responsible for the definition and proposal of the corporate
policies, specific rules, procedures and schemes of delegation based on which
risk decisions should be taken within the Group.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This process aims for the following objectives: </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Hierarchy and structure:
well-structured information through a clear and simple hierarchy creating
relations between documents that depend on each other.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Simplicity: an appropriate
and sufficient number of documents.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Standardization: a
standardized name and content of document.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Accessibility: ability to
search for, and easy access to, documentation through the corporate risk
management library.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
approval of corporate policies for all types of risks is the responsibility of
the corporate bodies of the Bank, while the corporate risk area endorses the
remaining regulations.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk
units of geographical and / or business areas comply with this set of
regulations and, where necessary, adapt it to local requirements for the
purpose of having a decision process that is appropriate at local level and aligned
with the Group policies. </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">If such adaptation is necessary, the local risk area must inform
the corporate area of GRM, who must ensure the consistency of the regulatory
body at the Group level and, therefore, if necessary, give prior approval to
the modifications proposed by the local risk areas.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc403992102"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Risk planning</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk
planning monitors that the risk appetite framework is integrated into
management through a cascade process for establishing limits and profitability
adjusted to the risk profile, in which the function of the corporate area risk
units and the geographical and/or business areas is to guarantee the alignment
of this process with the Group's Risk Appetite Framework in terms of solvency,
liquidity and funding, profitability and income recurrence.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">There
are tools in place that allow the Risk Appetite Framework defined at aggregate
level to be assigned and monitored by business areas, legal entities, types of
risk, concentrations and any other level considered necessary. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
risk planning process is aligned and taken into consideration within the rest
of the Group's planning framework so as to ensure consistency.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc403992103"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Comprehensive
management</font></font><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All risks
must be managed comprehensively during their life cycle, and be treated
differently depending on the type. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The risk management cycle is composed of five elements:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Planning: with the aim of
ensuring that the Group's activities are consistent with the target risk
profile and guaranteeing solvency in the development of the strategy.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assessment: a process
focused on identifying all the risks inherent to the activities carried out by
the Group.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Formalization: includes the
risk origination, approval and formalization stages.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Monitoring and reporting:
continuous and structured monitoring of risks and preparation of reports for
internal and/or external (market, investors, etc.) consumption.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Active portfolio management:
focused on identifying business opportunities in existing portfolios and new
markets, businesses and products.</font></font><a name="XBRL_TS_c9c00f6dec0a4dedbd5e2a594_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_6c0d67157d344389aa1c56029"></a><a name="_Toc403992104"></a><a name="_Toc474142217"></a><a name="_Toc505356832"></a><a name="_Toc105953"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-81</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.1.4&#160;&#160; Assessment,
monitoring and reporting</font></b></font><a name="XBRL_TS_6c0d67157d344389aa1c56029_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_50ca8c821e5f4e48b1d7e0ec1"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assessment, monitoring and
reporting is a cross-cutting element that monitors that the Model has a dynamic
and proactive vision to enable compliance with the risk appetite framework
approved by the corporate bodies, even in adverse scenarios. The
materialization of this process has the following objectives:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assess
compliance with the risk appetite framework at the present time,</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> through monitoring of the core metrics, metrics
by type of risk and the basic structure of limits. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assess
compliance with the risk appetite framework in the future</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">, through the projection of the risk appetite
framework variables, in both a baseline scenario determined by the budget and a
risk scenario determined by the stress tests.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Identify and assess the risk
factors and scenarios that could compromise compliance with the risk appetite
framework, through the development of a risk repository and an analysis of the
impact of those risks.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Act to mitigate the impact
in the Group of the identified risk factors and scenarios, ensuring this impact
remains within the target risk profile.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Supervise</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> the key variables </font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">that are not a direct part of the risk appetite
framework, but that condition its compliance. These can be either external or
internal.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This process is integrated in the
activity of the risk units, both of the corporate area and in the business
units, and it is carried out during the following phases:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Identification of the risk
factors that can compromise the performance of the Group or of the geographical
and/or business areas in relation to the defined risk thresholds.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assessment of the impact of
the materialization of the risk factors on the metrics that define the Risk
Appetite Framework based on different scenarios, including stress scenarios.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Response to unwanted
situations and proposals for readjustment to enable a dynamic management of the
situation, even before it takes place.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Monitoring of the Group's
risk profile and of the identified risk factors, through internal, competitor
and market indicators, among others, to anticipate their future development. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Reporting: Complete and
reliable information on the development of risks for the corporate bodies and
senior management, with the frequency and completeness appropriate to the
nature, significance and complexity of the reported risks. The principle of
transparency governs al reporting of risk information.</font></font><a name="XBRL_TS_50ca8c821e5f4e48b1d7e0ec1_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_1718603426834773839052186"></a><a name="_Toc403992105"></a><a name="_Toc105954"></a><a name="_Toc505356833"></a><a name="_Toc474142218"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.1.5&#160;&#160;
Infrastructure</font></b></font><a name="XBRL_TS_1718603426834773839052186_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_bb9670a03d4b459aa953e5f68"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The infrastructure is an
element that must manage that the Group has the human and technological
resources needed for effective management and supervision of risks in order to
carry out the functions set out in the Group's risk Model and the achievement
of their objectives.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With
respect to human resources, the Group risk function has an adequate workforce,
in terms of number, skills, knowledge and experience.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="_Toc398676058"></a><a name="_Toc398676108"></a><a name="_Toc398719288"></a><a name="_Toc398676060"></a><a name="_Toc398676110"></a><a name="_Toc398719290"></a><a name="_Toc398676065"></a><a name="_Toc398676115"></a><a name="_Toc398719295"></a><a name="_Toc398676066"></a><a name="_Toc398676116"></a><a name="_Toc398719296"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With
regards to technology, the Group risk function manages the integrity of
management information systems and the provision of the infrastructure needed
for supporting risk management, including tools appropriate to the needs
arising from the different types of risks for their admission, management,
assessment and monitoring. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The principles that govern the Group risk technology are:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Standardization: the
criteria are consistent across the Group, thus ensuring that risk handling is
standardized at geographical and/or business area level.</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Integration in management:
the tools incorporate the corporate risk policies and are applied in the
Group's day-to-day management.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Automation of the main
processes making up the risk management cycle.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Appropriateness: provision
of adequate information at the right time.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Through
the &#8220;Risk Analytics&#8221; function, the Group has a corporate framework in place for
developing the measurement techniques and models. It covers all the types of
risks and the different purposes and uses a standard language for all the
activities and geographical/business areas and decentralized execution to make
the most of the Group's global reach. The aim is to continually evolve the
existing risk models and generate others that cover the new areas of the
businesses that develop them, so as to reinforce the anticipation and
proactiveness that characterize the Group's risk function.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Also
the risk units of geographical and / or business areas have sufficient means
from the point of view of resources, structures and tools to develop a risk
management in line with the corporate model.</font></font><a name="XBRL_TS_bb9670a03d4b459aa953e5f68_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_5beacee7fa8945929006d536e"></a><a name="_Toc403992108"></a><a name="_Toc398676068"></a><a name="_Toc474142219"></a><a name="_Toc505356834"></a><a name="_Toc105955"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.1.6&#160;&#160; Risk culture</font></b></font><a name="XBRL_TS_5beacee7fa8945929006d536e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b765da80ba6a493d9929bcefe"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group promotes the
development of a risk culture based on the observance and understanding of
values, attitudes, and behaviors that allow the compliance with the regulations
and frameworks that contribute to an appropriate risk management.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">At BBVA the
Risk Governance Model is characterized by a special involvement of social
bodies, as they define the risk culture that permeates the rest of the
organization and has the following main elements:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Our Purpose which defines
our reason to be and with our values and behaviors guide the performance of our
organization and the people who are part of it.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Risk Appetite Framework
which determines the risks and levels of risks that the Group is willing to
assume in order to fulfill its goals.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Code of Conduct
establishes the behavior guidelines that we must follow to adjust our behavior
to the BBVA values.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Risk Culture at BBVA is based on these
levers:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Communication: The BBVA
Group promotes the dissemination of the principles and values that should
govern the conduct and risk management in a comprehensive and consistent
manner. To do this, the most appropriate channels of communication are used, to
allow for the Risk culture to be integrated into the business activities at all
levels of the organization.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Training: The BBVA Group
favors the understanding of the values, risk management model, and the code of
conduct in all scenarios, ensuring standards in skills and knowledge.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Motivation: The BBVA Group
aims to define incentives for BBVA employees that support the risk culture at
all levels. Among these incentives, the role of the Compensation policy and
incentive programs stand out, as well as implementation of risk culture control
mechanisms, including the complaint channels and the disciplinary committees.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Monitoring: The BBVA Group
pursues at the highest levels of the organization a continuous evaluation and
monitoring of the risk culture to guarantee its implementation and
identification of areas for improvement.</font></font><a name="XBRL_TS_b765da80ba6a493d9929bcefe_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_7940cbcb6941496ab347d0cbd"></a><a name="_Toc474142220"></a><a name="_Toc505356835"></a><a name="_Toc105956"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">7.2&#160;&#160; Risk factors</font></b></font><a name="XBRL_TS_7940cbcb6941496ab347d0cbd_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_9c6e05eab23c47bea463a6a0e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As mentioned earlier, BBVA has
processes in place for identifying risks and analyzing scenarios that enable
the Group to manage risks in a dynamic and proactive way.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The risk identification processes
are forward looking to ensure the identification of emerging risks and take
into account the concerns of both the business areas, which are close to the
reality of the different geographical areas, and the corporate areas and senior
management. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risks are captured and measured
consistently using the methodologies deemed appropriate in each case. Their
measurement includes the design and application of scenario analyses and stress
testing and considers the controls to which the risks are subjected.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As part of this process, a forward
projection of the risk appetite framework variables in stress scenarios is
conducted in order to identify possible deviations from the established
thresholds. If any such deviations are detected, appropriate measures are taken
to keep the variables within the target risk profile.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">To this extent, there are a number of emerging
risks that could affect the Group&#8217;s business trends. These risks are described
in the following main sections:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Macroeconomic
and geopolitical risks</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Global economic growth maintained
robust in 2018 even if it slowed down more than expected during the second half
of the year as a result of the worse development of the trade and the
industrial sector as well as the strong increase in financial tensions,
especially in developed economies due to the rise of uncertainties. To the
worse economic development in Europe and in China, it has to be added the
downturn in Asian countries and the deterioration in the expansive cycle of the
United States. In this context, both the Federal Reserve (Fed) and the ECB have
demonstrated to be more prudent and patient at the time of advancing with the
normalization of their monetary policies and their future decisions will depend
on the economic evolution. The main risk at sort-term continues to be
protectionism not only for the direct effect on global trade, but also for the
indirect impact of lower confidence and financial volatility. To this, it has
to be added the concerns about the degree of the impact on the economic
activities in the United States and China in the following quarters have to be
added as well as the increased political uncertainty in Europe.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In
summary, the uncertainty related to the economic perspectives continues to be
elevated due to the fear of a protectionist escalation and a higher perception
of the risk related to the global economic growth.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Regulatory
and reputational risks</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=#666666 face=Symbol style="border:none;"><font color=#666666 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#666666 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial institutions are
exposed to a complex and ever-changing regulatory environment defined by
governments and regulators. This can affect their ability to grow and the
capacity of certain businesses to develop, and result in stricter liquidity and
capital requirements with lower profitability ratios. The Group constantly monitors
changes in the regulatory framework that allow for anticipation and adaptation
to them in a timely manner, adopt industry practices and more efficient and
rigorous criteria in its implementation.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=#666666 face=Symbol style="border:none;"><font color=#666666 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#666666 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The financial sector is
under ever closer scrutiny by regulators, governments and society itself. In
the course of activities, situations which might cause relevant reputational
damage to the entity could raise and might affect the regular course of
business. The attitudes and behaviors of the Group and its members are governed
by the principles of integrity, honesty, long-term vision and industry
practices through, inter alia, internal control Model, the Code of Conduct, tax
strategy and Responsible Business Strategy of the Group.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Business,
operational and legal risks</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=#666666 face=Symbol style="border:none;"><font color=#666666 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#666666 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">New technologies and forms
of customer relationships: Developments in the digital world and in information
technologies pose significant challenges for financial institutions, entailing
threats (new competitors, disintermediation&#8230;) but also opportunities (new
framework of relations with customers, greater ability to adapt to their needs,
new products and distribution channels...). Digital transformation is a
priority for the Group as it aims to lead digital banking of the future as one
of its objectives.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=#666666 face=Symbol style="border:none;"><font color=#666666 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#666666 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Technological risks and
security breaches: The Group is exposed to new threats such as cyber-attacks,
theft of internal and customer databases, fraud in payment systems, etc. that
require major investments in security from both the technological and human
point of view. The Group gives great importance to the active operational and
technological risk management and control. One example was the early adoption
of advanced models for management of these risks (AMA - Advanced Measurement
Approach).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=#666666 face=Symbol style="border:none;"><font color=#666666 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#666666 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The financial sector is
exposed to increasing litigiousness, such that financial institutions face a
large number of proceedings of every kind -civil, criminal, administrative and
otherwise-, as well as supervisory investigations, in multiple jurisdictions,
the consequences of which are difficult to determine (including those
proceedings where an undetermined number of claimants is involved, where
damages claimed are not easy to estimate, where exorbitant amounts are claimed,
where novel legal questions are introduced using new, creative legal theories
and where proceedings are at a very early stage).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In Spain, in many current proceedings claimants
seek, both at Spanish courts and through preliminary rulings sought from the
European Union Court of Justice, that various clauses typically included within
mortgage loan agreements with credit institutions be declared abusive
(including clauses related to mortgage fees, early termination rights,
reference interest rates and arrangement fees). Unfavorable resolutions of such
proceedings against the Group or against other banking entities may directly or
indirectly affect the Group. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group is under regulatory
investigations in several countries which may give rise to sanctions and claims
for damages by third parties.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-85</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group may
likewise be subject to investigations by legal authorities, of which we have
not heretofore received formal notice to such effect, in relation with the
contracting of supposedly irregular services, that may have a negative
reputational or economic impact on the Bank. The Bank is undertaking a forensic
investigation, led by PwC, through the Bank&#8217;s external legal counsel Garrigues,
together with Ur&#237;a, the scope or duration of which it is not currently possible
to predict, nor is it possible to predict the outcome or implications for the
Group of any such investigation by the legal authorities.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group undertakes constant management
and monitoring of legal and regulatory investigations, proceedings and actions
where its interests may be defended, and allocates (on the basis of the number
of disputes, rulings and the state of proceedings or actions) what we believe
are the appropriate provisions where necessary. Nevertheless, the results of
judicial or regulatory investigations, proceedings or actions, whether to which
the Bank is currently party, to which it may be party in the future, or to
which other banking entities are party, are difficult to predict, and if
jurisprudential criteria are modified or unexpected results occur, such
allocated provisions may prove insufficient</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font><a name="XBRL_TS_9c6e05eab23c47bea463a6a0e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_23fbe3292e3a466884d92bd95"></a><a name="_Toc105957"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">7.3&#160;&#160;&#160; Credit
risk</font></b></font><a name="XBRL_TS_23fbe3292e3a466884d92bd95_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_5ec3d3b63ca745838980d923d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Credit risk arises from the probability that
one party to a financial instrument will fail to meet its contractual
obligations for reasons of insolvency or inability to pay and cause a financial
loss for the other party. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">It is the most important risk for the Group and
includes counterparty risk, issuer risk, settlement risk and country risk management.
</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The principles underpinning credit risk
management in BBVA are as follows:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Availability of basic
information for the study and proposal of risk, and supporting documentation
for approval, which sets out the conditions required by the internal relevant
body</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Sufficient generation of
funds and asset solvency of the customer to assume principal and interest
repayments of loans owed</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Establishment of adequate
and sufficient guarantees that allow effective recovery of the transaction,
this being considered a secondary and exceptional method of recovery when the
first has failed.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Credit risk management in the Group has an
integrated structure for all its functions, allowing decisions to be taken
objectively and independently throughout the life cycle of the risk. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">At Group level: frameworks
for action and standard rules of conduct are defined for handling risk,
specifically, the circuits, procedures, structure and supervision.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">At the business area level:
they are responsible for adapting the Group's criteria to the local realities
of each geographical area and for direct management of risk according to the
decision-making circuit:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Retail risks: in general, the decisions are
formalized according to the scoring tools, within the general framework for
action of each business area with regard to risks. The changes in weighting and
variables of these tools must be validated by the GRM area. </font></font></p>

<p align=left style="border:none;margin-bottom:8.0pt;margin-left:35.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:left;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;">- Wholesale
risks: in general, the decisions are formalized by each business area within
its general framework for action with regard to risks, which incorporates the
delegation rule and the Group's corporate policies.</font></font><a name="XBRL_TS_5ec3d3b63ca745838980d923d_bclEnd"></a><font style="border:none;">
&nbsp;</font></p>

<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_a2cde5578cdf4d06a9bd48880"></a><a name="_Toc105958"></a></h3>
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.3.1&#160;&#160; Measurement
Expected Credit Loss (ECL)</font></b></font><a name="XBRL_TS_a2cde5578cdf4d06a9bd48880_bclEnd"></a></h3>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f9d7027aed7a4c7e9ab96def9"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 9 requires determining
the expected credit loss of a financial instrument in a way that reflects an
unbiased estimation removing any conservatism or optimism, the time value of
money and a forward looking perspective (including the economic forecast).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Therefore the recognition and
measurement of expected credit losses (ECL) is highly complex and involves the
use of significant analysis and estimation including formulation and
incorporation of forward-looking economic conditions into ECL.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Risk Parameters
Adjusted by Macroeconomic Scenarios</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Expected Credit Loss must include
forward looking information, in accordance with IFRS 9, which states that the
comprehensive credit risk information must incorporate not only historical
information but also all relevant credit information, including forward-looking
macroeconomic information. BBVA uses the classical credit risk parameters PD,
LGD and EAD in order to calculate the ECL for the credit portfolios.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA&#180;s methodological approach in
order to incorporate the forward looking information aims to determine the
relation between macroeconomic variables and risk parameters following three
main steps:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Step 1: Analysis and
transformation of time series data.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Step 2: For each dependent
variable find conditional forecasting models that are economically consistent.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Step 3: Select the best
conditional forecasting model from the set of candidates defined in Step 2,
based on their out of sample forecasting performance.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">How economic
scenarios are reflected in calculation of ECL</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The forward looking component is
added through the introduction of macroeconomic scenarios as an input. Inputs
would highly depend on the particular combination of region and portfolio, so
inputs are adapted to available data.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Based on economic theory and
analysis, the macroeconomic variables most directly relevant for explaining and
forecasting the selected risk parameters (PD, LGD) are: </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">a) The net income of
families, corporates or public administrations.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">b) The payment amounts on
the principal and interest on the outstanding loans. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">c) The value of the collateral
assets pledge to the loan.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA Group approximates these
variables by using a proxy indicator from the set included in the macroeconomic
scenarios provided by the economic research department.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Only a single specific indicator
for each of the three categories can be used and only core macroeconomic
indicators should be chosen as first choice: for a) using Real GDP Growth for
the purpose of conditional forecasting can be seen as the single sufficient
&#8220;factor&#8221; required for capturing the influence of all potentially relevant
macro-financial scenario on internal PDs and LGD ; for b) using the most
representative short term interest rate (typically the policy rate or the most
liquid sovereign yield or interbank rate or EMBI) or exchange rates expressed
in real terms and for c) using a comprehensive index of the price of real
estate properties also expressed in real terms in the case of mortgage loans
and a representative index of the price of the relevant commodity (in real
terms) for corporate loan portfolios concentrated in exporters or producer of
such commodity.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Real GDP growth is given priority
over any other indicator not only because it is the most comprehensive
indicator of income and economic activity but also because it is the central
variable in the generation of macroeconomic scenarios.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-87</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Multiple scenario approach under IFRS 9</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IFRS 9 requires calculating an
unbiased probability weighted measurement of expected credit losses (&#8220;ECL&#8221;) by
evaluating a range of possible outcomes, including forecasts of future economic
conditions.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Research teams within the
BBVA Group produce forecasts of the macroeconomic variables under the baseline
scenario, which are used in the rest of the related processes of the bank, such
as budgeting, ICAAP and risk appetite framework, stress testing, etc.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additionally, the BBVA Research
teams produced alternative scenarios to the baseline scenario so as to meet the
requirements under the IFRS 9 standard.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Alternative macroeconomic scenarios</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-17.85pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For each of the
macro-financial variables, BBVA Research produces three scenarios. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Each of these scenarios
corresponds to the expected value of a different area of the probabilistic
distribution of the possible projections of the economic variables.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The approach in BBVA consists on
using the scenario that is the most likely scenario, which is the baseline
scenario, consistent with the rest of internal processes (ICAAP, Budgeting&#8230;)
and then applying an overlay adjustment that is calculated by taking into
account the weighted average of the ECL determined by each of the scenarios.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">It is important to note that in
general, it is expected that the effect of the overlay is to increase the ECL.
It is possible to obtain an overlay that does not have that effect, whenever
the relationship between macro scenarios and losses is linear. However, the
overlay is not expected to reduce the ECL.</font></font><a name="XBRL_TS_f9d7027aed7a4c7e9ab96def9_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_c17e285cb4774cf586b17190f"></a><a name="_Toc474142222"></a><a name="_Toc105959"></a></h3>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-88</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.3.2&#160;&#160; Credit risk exposure</font></b></font><a name="XBRL_TS_c17e285cb4774cf586b17190f_bclEnd"></a></h3>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_1b23b058a8bd4b09b001116f0"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In accordance with IFRS 7 &#8220;Financial
Instruments: Disclosures&#8221;, the BBVA Group&#8217;s maximum credit risk exposure (see
definition below) by headings in the balance sheets as of December 31, 2018 is
provided below. It does not consider the availability of collateral or other
credit enhancements to guarantee compliance with payment obligations. The
details are broken down by financial instruments and counterparties.</font></font><a name="XBRL_TS_1b23b058a8bd4b09b001116f0_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_001EXP_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Maximum Credit Risk Exposure (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=45% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 style="border:none;"><b><font color=#003366 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 style="border:none;"><b><font color=#003366 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 style="border:none;"><b><font color=#003366 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets held for trading </font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">59,581</font></b></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">25,577</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,254</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28,750</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Non-trading financial assets mandatorily at fair value through profit
  or loss</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,135</font></b></font></p>
  </td>
 <td width=11% style="height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,803</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">237</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,095</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets designated at fair value through profit or loss</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,313</font></b></font></p>
  </td>
 <td width=11% style="height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Derivatives
  (trading and hedging) </font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">38,249</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Stage 1</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Stage 2</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Stage 3</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets at fair value through other comprehensive income</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">56,332</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">56,329</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13.1</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53,737</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53,734</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13.1</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,595</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,595</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets at amortized cost</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">431,927</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">384,632</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30,902</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,394</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Loans and advances to central banks</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,947</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,947</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,175</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,131</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">386,225</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">339,204</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30,673</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,348</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">32,580</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">32,350</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">195</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">35</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total financial
  assets risk</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">592,538</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">440,960</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30,905</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,394</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Total loan commitments and financial guarantees</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">33</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">170,511</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">161,404</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,120</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">987</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=45% style="background:#004580;border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total maximum
  credit exposure</font></b></font></p>
  </td>
 <td width=11% style="background:#004580;border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="background:#004580;border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">763,049</font></b></font></p>
  </td>
 <td width=11% style="background:#004580;border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="background:#004580;border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="background:#004580;border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="XBRL_TS_13bbf71ddfe44d4a881cc63d8"></a><a name="XBRL_TS_17ee1b151b3a4c90935b6cc7d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">There was no
similar breakdown before the implementation of IFRS 9 on January 1, 2018 (see
Note 2.1).</font></font><a name="XBRL_TS_13bbf71ddfe44d4a881cc63d8_bclEnd"></a><a name="XBRL_TS_17ee1b151b3a4c90935b6cc7d_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="XBRL_TS_b73ce55d35da495f9b5867af9"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-89</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The maximum
credit exposure presented in the table above is determined by type of financial
asset as explained below:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the case of financial
assets recognized in the consolidated balance sheets, exposure to credit risk
is considered equal to its carrying amount (not including impairment losses),
with the sole exception of derivatives and hedging derivatives.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The maximum credit risk
exposure on financial guarantees granted is the maximum that the Group would be
liable for if these guarantees were called in, and that is their amount.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The calculation of risk
exposure for derivatives is based on the sum of two factors: the derivatives
fair value and their potential risk (or &quot;add-on&quot;).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- The first factor, fair value, reflects the
difference between original commitments and fair values on the reporting date
(mark-to-market).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- The second factor, potential risk (&#8216;add-on&#8217;),
is an estimate of the maximum increase to be expected on risk exposure over a
derivative fair value (at a given statistical confidence level) as a result of
future changes in the fair value over the remaining term of the derivatives.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- The consideration of the potential risk
(&quot;add-on&quot;) relates the risk exposure to the exposure level at the
time of a customer&#8217;s default. The exposure level will depend on the customer&#8217;s
credit quality and the type of transaction with such customer. Given the fact
that default is an uncertain event which might occur any time during the life
of a contract, the BBVA Group has to consider not only the credit exposure of
the derivatives on the reporting date, but also the potential changes in
exposure during the life of the contract. This is especially important for
derivatives, whose valuation changes substantially throughout their terms,
depending on the fluctuation of market prices.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown by counterparty and product of
loans and advances, net of impairment losses, as well as the gross carrying
amount by type of product, classified in the different headings of the assets,
as of December 31, 2018, 2017 and 2016 is shown below</font></font><a name="XBRL_TS_b73ce55d35da495f9b5867af9_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">:</font></font></p>



<font face=BBVABentonSansLight style="border:none;">
&nbsp;</font>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-90</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_014_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=10 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2018 (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td nowrap width=24% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Central banks</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General
  governments</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit
  institutions</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other
  financial corporations</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-financial
  corporations</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Households</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Provisions</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">By product</font></font></p>
  </td>
 <td width=9% style="background:#969696;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">On demand and short notice</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">151</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,833</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">648</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,641</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(193)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,834</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit card debt</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,328</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13,108</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,446</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,048)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,495</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Trade receivables</font></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">948</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">195</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,190</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">103</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,436</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(280)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,716</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Finance leases</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">226</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,014</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">406</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,650</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(427)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,077</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Reverse repurchase
  loans</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">293</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">477</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">770</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">772</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other term loans</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,911</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26,839</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,947</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,030</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">133,573</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">157,760</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">332,060</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10,204)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">342,264</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Advances that are not loans</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,592</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,771</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,088</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">984</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">498</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,962</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(63)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,025</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and
  advances</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,941</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29,917</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,196</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,468</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">163,922</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">172,522</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">388,966</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(12,217)</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">401,183</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=24% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">By secured loans</font></font></p>
  </td>
 <td width=9% style="background:#969696;border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: mortgage loans collateralized by immovable property</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,056</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">219</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26,784</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">111,809</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">139,883</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,122)</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">144,005</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: other collateralized loans</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,179</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">285</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,389</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31,393</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,835</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47,081</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(774)</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47,855</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">By
  purpose of the loan</font></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: credit for consumption</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40,124</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40,124</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,613)</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42,736</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: lending for house purchase</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">111,007</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">111,007</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,945)</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">112,952</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">By subordination</font></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: project finance loans</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13,973</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13,973</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(312)</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14,286</font></i></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-91</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_95"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_012_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td nowrap width=39% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Central banks</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General
  governments</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit
  institutions</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other
  financial corporations</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-financial
  corporations</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Households</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">On demand and short notice</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">222</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">270</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,663</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,405</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,560</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit card debt</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,862</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13,964</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,835</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Trade receivables</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,624</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">497</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20,385</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">198</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22,705</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Finance leases</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">205</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">36</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,040</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">361</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,642</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Reverse repurchase
  loans</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">305</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,290</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13,793</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,912</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26,300</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other term loans</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,993</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26,983</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,463</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,763</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">125,228</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">155,418</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">324,848</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Advances that are not loans</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,964</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,005</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,044</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,459</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">522</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12,995</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=39% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and
  advances</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,301</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32,294</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26,261</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18,525</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">164,637</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">172,868</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">421,886</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td width=39% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: mortgage loans (Loans collateralized by immovable property)</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">998</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">308</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37,353</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">116,938</font></i></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">155,597</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: other collateralized loans</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,167</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13,501</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12,907</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24,100</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,092</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">66,767</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: credit for consumption</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40,705</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40,705</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: lending for house purchase</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">114,709</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">114,709</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: project finance loans</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,412</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,412</font></i></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-92</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_96"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_013anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td nowrap width=39% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Central banks</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General
  governments</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit
  institutions</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other
  financial corporations</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-financial
  corporations</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Households</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">On demand and short notice</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">373</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">246</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,125</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,507</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,251</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit card debt</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,875</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14,719</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,596</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Trade receivables</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,091</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">998</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20,246</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">418</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,753</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Finance leases</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">261</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">57</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,647</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">477</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,442</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Reverse repurchase
  loans</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">81</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">544</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,597</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,746</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22,968</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other term loans</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,814</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29,140</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,694</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,878</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">136,105</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">167,892</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">356,524</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=39% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Advances that are not loans</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,410</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,083</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,082</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,194</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">620</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14,389</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=39% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and
  advances</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,894</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">34,820</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31,373</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,009</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">176,192</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">186,633</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">454,921</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td width=39% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: mortgage loans [Loans collateralized by immovable property]</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,722</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">112</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">690</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">44,406</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">132,398</font></i></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">182,328</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: other collateralized loans</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,700</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,191</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,164</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21,863</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,061</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54,979</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: credit for consumption</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">44,504</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">44,504</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: lending for house purchase</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">127,606</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">127,606</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=39% style="height:11.1pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: project finance loans</font></i></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19,269</font></i></font></p>
  </td>
 <td width=9% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><i><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19,269</font></i></font></p>
  </td>
 </tr>
</table></div>










<h3 style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_429cd1508d6b405c96a064a3e"></a><a name="_Toc105960"></a></h3>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-93</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_97"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<h3 style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.3.3&#160; Mitigation of credit risk, collateralized credit
risk and other credit enhancements</font></b></font><a name="XBRL_TS_429cd1508d6b405c96a064a3e_bclEnd"></a></h3>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_56b8d1c6658148a4b45646404"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In most cases, maximum credit
risk exposure is reduced by collateral, credit enhancements and other actions
which mitigate the Group&#8217;s exposure. The BBVA Group applies a credit risk
hedging and mitigation policy deriving from a banking approach focused on
relationship banking. The existence of guarantees could be a necessary but not
sufficient instrument for accepting risks, as the assumption of risks by the
Group requires prior evaluation of the debtor&#8217;s capacity for repayment, or that
the debtor can generate sufficient resources to allow the amortization of the
risk incurred under the agreed terms.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The policy of accepting risks is
therefore organized into three different levels in the BBVA Group:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Analysis of the financial
risk of the transaction, based on the debtor&#8217;s capacity for repayment or
generation of funds.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The constitution of
guarantees that are adequate, or at any rate generally accepted, for the risk
assumed, in any of the generally accepted forms: monetary, secured, personal or
hedge guarantees; and finally</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assessment of the repayment
risk (asset liquidity) of the guarantees received.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The procedures for the management
and valuation of collateral are set out in the Corporate Policies (retail and
wholesale), which establish the basic principles for credit risk management,
including the management of collaterals assigned in transactions with
customers.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The methods used to value the
collateral are in line with the best market practices and imply the use of
appraisal of real-estate collateral, the market price in market securities, the
trading price of shares in mutual funds, etc. All the collaterals received must
be correctly assigned and entered in the corresponding register. They must also
have the approval of the Group&#8217;s legal units.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The following is a description of
the main types of collateral for each financial instrument class:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial instruments held
for trading: The guarantees or credit enhancements obtained directly from the
issuer or counterparty are implicit in the clauses of the instrument.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Derivatives and hedging
derivatives: In derivatives, credit risk is minimized through contractual
netting agreements, where positive- and negative-value derivatives with the
same counterparty are offset for their net balance. There may likewise be other
kinds of guarantees and collaterals, depending on counterparty solvency and the
nature of the transaction. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The summary of the
compensation effect (via netting and collateral) for derivatives and securities
operations is presented in Note 7.4.3.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Other financial assets
designated at fair value through profit or loss and financial assets at fair
value through other comprehensive income: The guarantees or credit enhancements
obtained directly from the issuer or counterparty are inherent to the structure
of the instrument.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">At December 31, 2018, BBVA
Group had no credit risk exposure of impaired financial assets at fair value
through other comprehensive income at December 31, 2018 (see Note 7.3.2).
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-94</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_98"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial assets at
amortized cost:</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:35.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Loans and advances to credit institutions: These usually
only have the counterparty&#8217;s personal guarantee.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:35.4pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Loans and advances to customers: Most of these loans and
advances are backed by personal guarantees extended by the customer. There may
also be collateral to secure loans and advances to customers (such as
mortgages, cash collaterals, pledged securities and other collateral), or to
obtain other credit enhancements (bonds, hedging, etc.).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:39.7pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Debt securities: The guarantees or credit
enhancements obtained directly from the issuer or counterparty are inherent to
the structure of the instrument.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
disclosure of impaired financial assets at amortized cost covered by collateral
(see Note 7.3.2), by type of collateral, at December 31, 2018, is the
following:</font></font><a name="XBRL_TS_56b8d1c6658148a4b45646404_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_098_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:10.5pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018
  (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=34% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Maximum exposure to credit risk</font></b></font></p>
  </td>
 <td colspan=5 width=55% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Of which secured by collateral</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 style="border:none;"><b><font color=#003366 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Residential
  properties</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Commercial
  properties</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Cash</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Others</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Financial</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=34% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Impaired financial assets at amortized cost</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,394</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,484</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,255</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">317</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">502</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=34% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,394</font></b></font></p>
  </td>
 <td width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,484</font></b></font></p>
  </td>
 <td width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,255</font></b></font></p>
  </td>
 <td width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></b></font></p>
  </td>
 <td width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">317</font></b></font></p>
  </td>
 <td width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">502</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><a name="XBRL_TS_95dd34b5878b44e593527d813"></a><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial guarantees, other
contingent risks and drawable by third parties:</font></font><font color=blue style="border:none;"><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These
have the counterparty&#8217;s personal guarantee.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The maximum
credit risk exposure of impaired financial guarantees and other commitments at
December 31, 2018 amounts to &#8364;987 million (see Note 7.3.2).</font></font><a name="XBRL_TS_95dd34b5878b44e593527d813_bclEnd"></a></p>

<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_69eeed4de4ed4dab9102c53ea"></a><a name="_Toc105961"></a><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.3.4&#160;&#160; Credit quality of financial assets that
are neither past due nor impaired</font></b></font><a name="XBRL_TS_69eeed4de4ed4dab9102c53ea_bclEnd"></a></h3>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d567530cfe5f4290836ca4e39"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group has tools
(&#8220;scoring&#8221; and &#8220;rating&#8221;) that enable it to rank the credit quality of its
transactions and customers based on an assessment and its correspondence with
the probability of default (&#8220;PD&#8221;) scales. To analyze the performance of PD, the
Group has a series of tracking tools and historical databases that collect the
pertinent internally generated information. These tools can be grouped together
into scoring and rating models.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Scoring</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Scoring is a decision-making model
that contributes to both the arrangement and management of retail loans:
consumer loans, mortgages, credit cards for individuals, etc. Scoring is the
tool used to decide to originate a loan, what amount should be originated and
what strategies can help establish the price, because it is an algorithm that
sorts transactions by their credit quality. This algorithm enables the BBVA
Group to assign a score to each transaction requested by a customer, on the
basis of a series of objective characteristics that have statistically been shown
to discriminate between the quality and risk of this type of transactions. The
advantage of scoring lies in its simplicity and homogeneity: all that is needed
is a series of objective data for each customer, and this data is analyzed
automatically using an algorithm.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-95</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_99"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">There
are three types of scoring, based on the information used and on its purpose:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Reactive scoring: measures
the risk of a transaction requested by an individual using variables relating
to the requested transaction and to the customer&#8217;s socio-economic data
available at the time of the request. The new transaction is approved or rejected
depending on the score.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Behavioral scoring: scores
transactions for a given product in an outstanding risk portfolio of the
entity, enabling the credit rating to be tracked and the customer&#8217;s needs to be
anticipated. It uses transaction and customer variables available internally.
Specifically, variables that refer to the behavior of both the product and the
customer.</font></font></p>

<p align=left style="border:none;margin-bottom:8.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:left;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:107%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:107%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;">Proactive scoring: gives a
score at customer level using variables related to the individual&#8217;s general
behavior with the entity, and to his/her payment behavior in all the contracted
products. The purpose is to track the customer&#8217;s credit quality and it is used
to pre-approved new transactions.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Rating</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Rating tools, as opposed to scoring
tools, do not assess transactions but focus on the rating of customers instead:
companies, corporations, SMEs, general governments, etc. A rating tool is an
instrument that, based on a detailed financial study, helps determine a
customer&#8217;s ability to meet his/her financial obligations. The final rating is
usually a combination of various factors: on one hand, quantitative factors,
and on the other hand, qualitative factors. It is a middle road between an
individual analysis and a statistical analysis.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The main difference between ratings
and scorings is that the latter are used to assess retail products, while
ratings use a wholesale banking customer approach. Moreover, scorings only
include objective variables, while ratings add qualitative information. And
although both are based on statistical studies, adding a business view, rating
tools give more weight to the business criterion compared to scoring tools.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For portfolios where the number of
defaults is low (sovereign risk, corporates, financial entities, etc.) the
internal information is supplemented by &#8220;benchmarking&#8221; of the external rating
agencies (Moody&#8217;s, Standard &amp; Poor&#8217;s and Fitch). To this end, each year the
PDs compiled by the rating agencies at each level of risk rating are compared,
and the measurements compiled by the various agencies are mapped against those
of the BBVA master rating scale.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Once the probability of default of
a transaction or customer has been calculated, a &quot;business cycle
adjustment&quot; is carried out. This is a means of establishing a measure of
risk that goes beyond the time of its calculation. The aim is to capture
representative information of the behavior of portfolios over a complete
economic cycle. This probability is linked to the Master Rating Scale prepared
by the BBVA Group to enable uniform classification of the Group&#8217;s various asset
risk portfolios.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table
below shows the abridged scale used to classify the BBVA Group&#8217;s outstanding
risk as of December 31, 2018:</font></font><a name="XBRL_TS_d567530cfe5f4290836ca4e39_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_031_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:24.75pt;">
  <td width=18% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">External
  rating</font></b></font></p>
  </td>
 <td width=17% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Internal
  rating</font></b></font></p>
  </td>
 <td colspan=3 width=65% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Probability of default</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(basis points)</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Standard&amp;Poor's
  List</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Reduced List
  (22 groups)</font></b></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average</font></b></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Minimum from
  &gt;=</font></b></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Maximum </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AAA</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AAA</font></font></p>
  </td>
 <td nowrap width=22% style="border:none;height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=22% style="border:none;height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=21% style="border:none;height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA+</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA+</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA-</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA-</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A+</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A+</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A-</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A-</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB+</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB+</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB-</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB-</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BB+</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BB+</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BB</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BB</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">88</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BB-</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BB-</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">150</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">194</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">B+</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">B+</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">255</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">194</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">335</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">B</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">B</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">441</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">335</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">581</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">B-</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">B-</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">785</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">581</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,061</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CCC+</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CCC+</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,191</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,061</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,336</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CCC</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CCC</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,336</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,684</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CCC-</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CCC-</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,890</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,684</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,121</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CC+</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CC+</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,381</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,121</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,673</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CC</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CC</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,000</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,673</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,367</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CC-</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">CC-</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,780</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,367</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,243</font></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-96</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_100"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_e3a602f7248b4d3191149c6e8"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These different levels and their probability of
default were calculated by using as a reference the rating scales and default
rates provided by the external agencies Standard &amp; Poor&#8217;s and Moody&#8217;s.
These calculations establish the levels of probability of default for the BBVA
Group&#8217;s Master Rating Scale. Although this scale is common to the entire Group,
the calibrations (mapping scores to PD sections/Master Rating Scale levels) are
carried out at tool level for each country in which the Group has tools
available.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below outlines </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">the
distribution by probability of default within 12 months and stages of the gross
carrying amount of loans and advances to customers in percentage of BBVA Group
as of December 31, 2018 is shown below</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">:</font></font><a name="XBRL_TS_e3a602f7248b4d3191149c6e8_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_032dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td nowrap valign=bottom width=42% style="border:none;border-top:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 nowrap width=58% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=42% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=29% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Subject to 12 month ECL (Stage 1)</font></b></font></p>
  </td>
 <td width=29% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Subject to lifetime ECL (Stage 2)</font></b></font></p>
  </td>
 </tr>
<tr style="height:40.5pt;">
  <td width=42% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Probability of default</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(basis points)</font></b></font></p>
  </td>
 <td width=29% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 <td width=29% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=42% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0 to 2</font></font></p>
  </td>
 <td nowrap width=29% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9.6</font></font></p>
  </td>
 <td nowrap width=29% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.0</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=42% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 to 5</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10.8</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.1</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=42% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5 to 11</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.3</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.0</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=42% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11 to 39</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20.9</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.4</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=42% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39 to 194</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30.1</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.8</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=42% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">194 to 1,061</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12.2</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.6</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=42% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,061 to 2,121</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.6</font></font></p>
  </td>
 <td nowrap width=29% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.2</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=42% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&gt; 2,021</font></font></p>
  </td>
 <td nowrap width=29% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.2</font></font></p>
  </td>
 <td nowrap width=29% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.2</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=42% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=29% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91.7</font></b></font></p>
  </td>
 <td width=29% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8.3</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="XBRL_TS_0057a00260ab407a906ae6b45"></a><a name="XBRL_TS_e1651a5aec7947f69460e638a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">There was no
similar breakdown before the implementation of IFRS 9 on January 1, 2018 (see
Note 2.1).</font></font><a name="XBRL_TS_0057a00260ab407a906ae6b45_bclEnd"></a><a name="XBRL_TS_e1651a5aec7947f69460e638a_bclEnd"></a></p>

<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_b13e18eef879494b97ad2d6c8"></a><a name="_Toc105962"></a><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.3.5&#160;&#160; Past due but not impaired and impaired
secured loans risks</font></b></font><a name="XBRL_TS_b13e18eef879494b97ad2d6c8_bclEnd"></a></h3>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b53b36c8309c4c4682cdf62be"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The tables below provides details by
counterpart and by product of past due risks but not considered to be impaired,
as of December 31, 2018, 2017 and 2016, listed by their first past-due date; as
well as the breakdown of the debt securities and loans and advances
individually and collectively estimated (see Note 2.2.1):</font></font><a name="XBRL_TS_b53b36c8309c4c4682cdf62be_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>



<font face=BBVABentonSansLight style="border:none;">
&nbsp;</font>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-97</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_101"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_044_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=10 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:40.5pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=27% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Assets without significant increase in credit risk since initial
  recognition (Stage 1)</font></b></font></p>
  </td>
 <td colspan=3 width=25% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Assets with significant increase in credit risk since initial
  recognition but not credit-impaired (Stage 2)</font></b></font></p>
  </td>
 <td colspan=3 width=24% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit-impaired
  assets (Stage 3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:60.75pt;">
  <td nowrap width=24% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&lt;= 30 days</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&gt; 30 days
  &lt;= 90 days</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&gt; 90 days</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&lt;= 30 days</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&gt; 30 days
  &lt;= 90 days</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&gt; 90 days</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&lt;= 30 days</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&gt; 30 days
  &lt;= 90 days</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&gt; 90 days</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and
  advances</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,191</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">454</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,261</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,228</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">407</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">900</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,769</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">95</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">117</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">224</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,140</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">158</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,282</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,180</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">149</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">276</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,333</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Households</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,835</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,971</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,047</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">254</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">618</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,404</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=24% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TOTAL</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,191</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">454</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,261</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,228</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">407</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">900</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,774</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Loans and advances by product, by collateral and by subordination</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">On demand (call) and short notice (current account)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">127</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit card debt</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">182</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">598</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">102</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">120</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Trade receivables</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">106</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Finance leases</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">307</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">102</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">110</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Reverse repurchase
  loans</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other term loans</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,421</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">325</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,575</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,869</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">369</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">840</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,433</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Advances that are not loans</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">108</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">89</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: mortgage loans collateralized by immovable property</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,681</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,598</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,745</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">251</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">712</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,365</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: other collateralized loans</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">255</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">742</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">103</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: credit for consumption</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">910</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,278</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">424</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">281</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: lending for house purchase</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,365</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,394</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,404</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">170</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">507</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">839</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: project finance loans</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">382</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71</font></i></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:left;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-98</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_102"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_042_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2017 (Millions of euros) (*)</font></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=29% style="border:none;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 nowrap width=28% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Past due but not impaired</font></b></font></p>
  </td>
 <td rowspan=2 width=9% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Impaired
  assets</font></b></font></p>
  </td>
 <td rowspan=2 width=9% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Carrying amount of the impaired assets</font></b></font></p>
  </td>
 <td rowspan=2 width=9% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Specific allowances for financial assets, individually and
  collectively estimated</font></b></font></p>
  </td>
 <td rowspan=2 width=8% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Collective allowances for incurred but not reported losses</font></b></font></p>
  </td>
 <td rowspan=2 width=8% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Accumulated
  write-offs</font></b></font></p>
  </td>
 </tr>
<tr style="height:60.75pt;">
  <td nowrap width=29% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#8804; 30
  days</font></b></font></p>
  </td>
 <td width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&gt; 30 days
  &#8804; 60 days</font></b></font></p>
  </td>
 <td width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&gt; 60 days
  &#8804; 90 days</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">66</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(28)</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(21)</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and
  advances</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,432</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">759</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">503</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19,401</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,726</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8,675)</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,109)</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(29,938)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">171</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(42)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(69)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(30)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">843</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">153</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">170</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,791</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,192</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,599)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,939)</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(18,988)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Households</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,512</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">603</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">319</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,417</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,395</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,022)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,052)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10,913)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=29% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TOTAL</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,432</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">759</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">503</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19,467</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,764</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8,703)</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,130)</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(29,938)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Loans and advances by product, by collateral and by subordination</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">On demand (call) and short notice (current account)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">77</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">389</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">151</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(238)</font></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit card debt</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">397</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">66</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">118</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">629</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">190</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(439)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Trade receivables</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">115</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">515</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">179</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(336)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Finance leases</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">138</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">66</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">431</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">155</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(276)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Reverse repurchase
  loans</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other term loans</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,705</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">606</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">317</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,417</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,047</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7,370)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Advances that are not loans</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(16)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: mortgage loans (Loans collateralized by immovable property)</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,345</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">360</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">164</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,388</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,630</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,757)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: other collateralized loans</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">592</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">137</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">803</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">493</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(310)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: credit for consumption</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,260</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">248</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">207</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,551</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">457</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,093)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: lending for house purchase</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,034</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">307</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,730</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,444</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,286)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=29% style="height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: project finance loans</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,165</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">895</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(271)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_FS_21534b30ff114991bff094c06"></a><a name="XBRL_TS_a890e7b5f6534447affb061d5"></a><a name="XBRL_TS_51c06db599cc492ab470e2739"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160; Figures originally reported in the year 2017 in
accordance to the applicable regulation, without restatements.</font></font><a name="XBRL_FS_21534b30ff114991bff094c06_bclEnd"></a><a name="XBRL_TS_51c06db599cc492ab470e2739_bclEnd"></a><a name="XBRL_TS_a890e7b5f6534447affb061d5_bclEnd"></a><font style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-99</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_103"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_043anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2016 (Millions of euros) (*)</font></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=27% style="border:none;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 nowrap width=30% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Past due but not impaired</font></b></font></p>
  </td>
 <td rowspan=2 width=9% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Impaired
  assets</font></b></font></p>
  </td>
 <td rowspan=2 width=9% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Carrying amount of the impaired assets</font></b></font></p>
  </td>
 <td rowspan=2 width=9% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Specific allowances for financial assets, individually and
  collectively estimated</font></b></font></p>
  </td>
 <td rowspan=2 width=8% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Collective allowances for incurred but not reported losses</font></b></font></p>
  </td>
 <td rowspan=2 width=8% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Accumulated
  write-offs</font></b></font></p>
  </td>
 </tr>
<tr style="height:60.75pt;">
  <td nowrap width=27% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&lt;= 30 days</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&gt; 30 days
  &lt;= 60 days</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&gt; 60 days
  &lt;= 90 days</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">272</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(144)</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(46)</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and
  advances</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,384</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">696</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">735</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22,925</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12,133</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10,793)</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,224)</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(29,346)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">66</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">295</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">256</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(39)</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">82</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(36)</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">34</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(57)</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">968</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">209</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">204</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13,786</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,383</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7,402)</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,789)</font></font></p>
  </td>
 <td nowrap width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(18,020)</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Households</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,343</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">479</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">426</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,801</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,483</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,319)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,329)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(11,303)</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=27% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TOTAL</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,384</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">696</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">735</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,197</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12,261</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10,937)</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,270)</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(29,347)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Loans and advances by product, by collateral and by subordination</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">On demand (call) and short notice (current account)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">79</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">562</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">249</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(313)</font></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit card debt</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">377</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">88</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">124</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">643</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">114</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(529)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Trade receivables</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">424</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">87</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(337)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Finance leases</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">188</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">516</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">252</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(264)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Reverse repurchase
  loans</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">82</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other term loans</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,685</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">469</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">407</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20,765</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,429</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(9,336)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Advances that are not loans</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: mortgage loans (Loans collateralized by immovable property)</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,202</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">265</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">254</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,526</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,008</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,850)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: other collateralized loans</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">593</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">124</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,129</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">656</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(275)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: credit for consumption</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,186</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">227</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">269</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,622</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">455</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,168)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: lending for house purchase</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">883</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">194</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">105</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,094</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,546</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,548)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">of
  which: project finance loans</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">138</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">253</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">105</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(147)</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="background:#969696;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:8.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="_Toc376972322"></a><a name="_Toc376949914"></a><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:106%;">&nbsp;</font></font></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_FS_8acc34b7e98b48588b949029c"></a><a name="XBRL_TS_ed7b8c41ef794c7aa98add3c1"></a><a name="XBRL_TS_e59a6735a19e4581afe39f3c0"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160; Figures originally reported in the year 2016 in
accordance to the applicable regulation, without restatements.</font></font><a name="XBRL_TS_e59a6735a19e4581afe39f3c0_bclEnd"></a><a name="XBRL_TS_ed7b8c41ef794c7aa98add3c1_bclEnd"></a></p>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3bbdaa9f89584e28bee2f73bc"></a><a name="XBRL_FS_8acc34b7e98b48588b949029c_bclEnd"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-100</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_104"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
breakdown of loans and advances, within financial assets at amortized cost,
impaired and accumulated impairment by sectors as of December 31, 2018, 2017
and 2016 is as follows:</font></font><a name="XBRL_TS_3bbdaa9f89584e28bee2f73bc_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_054_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td nowrap width=46% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018
  (Millions of euros)</font></font></p>
  </td>
 <td nowrap width=18% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:54.0pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:54.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 style="border:none;"><b><font color=#003366 face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:54.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-performing loans and advances</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:54.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Accumulated
  impairment</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:54.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-performing loans and advances as a % of the total</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General
  governments</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">128</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(84)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.4%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit
  institutions</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.1%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  corporations</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(22)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.1%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,372</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(6,260)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.9%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Agriculture, forestry
  and fishing</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(107)</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mining and quarrying</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(70)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.9%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Manufacturing</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,695</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,134)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.6%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Electricity, gas, steam and air conditioning supply</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">585</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(446)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Water supply</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.8%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Construction</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,488</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,007)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12.5%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Wholesale and retail
  trade</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,624</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,259)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transport and storage</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">459</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(374)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.7%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Accommodation and food service activities</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">315</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(204)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Information and communication</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">113</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(72)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2.1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financial and
  insurance activities</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">147</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(128)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2.1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Real estate activities</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">834</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(624)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.8%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Professional, scientific and technical activities</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">204</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(171)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Administrative and support service activities</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">128</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(125)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Public administration and defense, compulsory social security</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.6%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Education</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(31)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.4%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Human health services and social work activities</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(63)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.4%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Arts, entertainment
  and recreation</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(41)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.5%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other services</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">386</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(382)</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.9%</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Households</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,838</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,833)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.4%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=46% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LOANS AND
  ADVANCES</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,359</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12,211)</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.1%</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-101</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_105"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_052_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:90.75pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:90.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 style="border:none;"><b><font color=#003366 face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:90.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-performing loans and advances</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:90.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Accumulated impairment or Accumulated changes in fair value due
  to credit risk</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:90.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-performing loans and advances as a % of the total</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General
  governments</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">171</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(111)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.5%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit
  institutions</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(36)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.3%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  corporations</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(26)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.1%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,791</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7,538)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.3%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Agriculture, forestry
  and fishing</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">166</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(123)</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mining and quarrying</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">177</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(123)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.7%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Manufacturing</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,239</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(955)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.6%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Electricity, gas, steam and air conditioning supply</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">213</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(289)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.8%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Water supply</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.5%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Construction</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,993</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,708)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20.1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Wholesale and retail
  trade</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,706</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,230)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5.9%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transport and storage</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">441</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(353)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Accommodation and food service activities</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">362</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(222)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Information and communication</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">984</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(256)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Real estate
  activities</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,171</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,100)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.9%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Professional, scientific and technical activities</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">252</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(183)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.8%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Administrative and support service activities</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">188</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(130)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Public administration and defense, compulsory social security</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.9%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Education</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.4%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Human health services and social work activities</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">75</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(68)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.7%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Arts, entertainment
  and recreation</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(38)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.6%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other services</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">690</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(716)</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3%</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Households</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,417</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,073)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.7%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=46% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LOANS AND
  ADVANCES</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,401</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12,784)</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.5%</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-102</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_106"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_053anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:78.0pt;">
  <td width=41% style="border:none;border-bottom:solid black 1.0pt;height:78.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 style="border:none;"><b><font color=#003366 face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:78.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-performing</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:78.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Accumulated impairment or Accumulated changes in fair value due
  to credit risk</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:78.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-performing loans and advances as a % of the total</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=41% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General
  governments</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">295</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(52)</font></b></font></p>
  </td>
 <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.8%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=41% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit
  institutions</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(42)</font></b></font></p>
  </td>
 <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.0%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=41% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  corporations</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(82)</font></b></font></p>
  </td>
 <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.2%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=41% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,786</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10,192)</font></b></font></p>
  </td>
 <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.4%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Agriculture, forestry
  and fishing</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">221</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(188)</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5.1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mining and quarrying</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">126</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(83)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Manufacturing</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,569</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,201)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.5%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Electricity, gas, steam and air conditioning supply</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">569</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(402)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Water supply</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.5%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Construction</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,358</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3,162)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Wholesale and retail
  trade</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,857</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,418)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transport and storage</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">442</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(501)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.5%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Accommodation and food service activities</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">499</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(273)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5.9%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Information and
  communication</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">112</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(110)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2.2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Real estate
  activities</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,441</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,074)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8.7%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Professional, scientific and technical activities</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">442</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(380)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Administrative and support service activities</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">182</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(107)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Public administration and defense, compulsory social security</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Education</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(31)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5.4%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Human health services and social work activities</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">89</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(88)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.8%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Arts, entertainment
  and recreation</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(51)</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5.1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=41% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other services</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">691</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,088)</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.2%</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=41% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Households</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,801</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,648)</font></b></font></p>
  </td>
 <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.6%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=41% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LOANS AND
  ADVANCES</font></b></font></p>
  </td>
 <td nowrap width=20% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,925</font></b></font></p>
  </td>
 <td nowrap width=20% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(16,016)</font></b></font></p>
  </td>
 <td nowrap width=19% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5.0%</font></b></font></p>
  </td>
 </tr>
</table></div>










<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_25bfc92e36b04283a050ca1f1"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-103</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_107"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
changes during the years 2018, 2017 and 2016 of impaired financial assets and
contingent risks are as follow:</font></font><a name="XBRL_TS_25bfc92e36b04283a050ca1f1_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_061_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Changes in Impaired Financial Assets and Contingent Risks (Millions of
  euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,590</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,877</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,103</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,792</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,856</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,133</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Decreases (*)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(6,909)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7,771)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7,633)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Net additions</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,883</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,085</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,500</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amounts written-off</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,076)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,758)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,592)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange differences
  and other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,264)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(615)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(134)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=67% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,134</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,590</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,877</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_6c843f52c55c4bd8af7345de5"></a><a name="XBRL_TS_02f886dd429b445c87badd145"></a><a name="XBRL_TS_fa80dcff7fb2412d8914703e5"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160;&#160;
Reflects the total amount of impaired loans derecognized from the consolidated
balance sheet throughout the year as a result of mortgage foreclosures and real
estate assets received in lieu of payment as well as monetary recoveries (see
Notes 19 and 20 to the Consolidated Financial Statement for additional
information).</font></font><a name="XBRL_FS_6c843f52c55c4bd8af7345de5_bclEnd"></a><a name="XBRL_TS_02f886dd429b445c87badd145_bclEnd"></a><a name="XBRL_TS_fa80dcff7fb2412d8914703e5_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_ca0a592cd0bc4f5aa153885a4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The changes during the years 2018, 2017 and
2016 in financial assets derecognized from the accompanying consolidated
balance sheet as their recovery is considered unlikely (hereinafter
&quot;write-offs&quot;), is shown below:</font></font><a name="XBRL_TS_ca0a592cd0bc4f5aa153885a4_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.1_071_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Changes in Impaired Financial Assets Written-Off from the Balance Sheet
  (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td nowrap width=53% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 style="border:none;"><b><font color=#0A5FB4 face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=53% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  beginning </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30,139</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">29,347</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26,143</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=53% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Acquisition of&nbsp;subsidiaries&nbsp;in the year</font></font></p>
  </td>
 <td width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=53% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Increase:</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,164</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,986</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,699</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=53% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Decrease:</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4,210)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4,442)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,384)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=53% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Re-financing or
  restructuring</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(32)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=53% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cash recovery</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(589)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(558)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(541)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=53% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreclosed assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(625)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(149)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(210)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=53% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Sales of
  written-off</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,805)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,284)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(45)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=53% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt forgiveness</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(889)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,121)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(864)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=53% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Time-barred debt and other causes </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(292)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(321)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(692)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=53% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Net exchange
  differences</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">250</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(752)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(111)</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=53% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the end</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,343</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,139</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,347</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_ee3fecc73a724006a9697d17f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As indicated in Note 2.2.1, although they have
been derecognized from the consolidated balance sheet, the BBVA Group continues
to attempt to collect on these written-off financial assets, until the rights
to receive them are fully extinguished, either because it is time-barred
financial asset, the financial asset is condoned, or other reasons.</font></font><a name="XBRL_TS_ee3fecc73a724006a9697d17f_bclEnd"></a></p>

<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_0a2f0da299e14bf7a181d8db7"></a><a name="_Toc474142226"></a><a name="_Toc505356841"></a><a name="_Toc105963"></a><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.3.6&#160;&#160; Impairment losses</font></b></font><a name="XBRL_TS_0a2f0da299e14bf7a181d8db7_bclEnd"></a></h3>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_2dad816e8fd44c33a2cba0ece"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Below are the changes in the years ended
December 31, 2018, 2017 and 2016, in the provisions recognized on the
accompanying consolidated balance sheets to cover estimated impairment losses
in loans and advances and debt securities measured at amortized cost and
financial assets at fair value through other comprehensive income as well as
the loan commitment and financial guarantees:</font></font><a name="XBRL_TS_2dad816e8fd44c33a2cba0ece_bclEnd"></a></p>



<font face=BBVABentonSansLight style="border:none;">
&nbsp;</font>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-104</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_108"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_084AC_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets at amortized cost. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2018 (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=35% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=33% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Not
  credit-impaired</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit-impaired</font></b></font></p>
  </td>
 <td rowspan=2 width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td nowrap width=35% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Stage 1</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Stage 2</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit-impaired
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Stage 3)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Purchased/originated credit-impaired </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(Stage 3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=35% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances (collectively assessed)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances (individually assessed)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=35% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Opening balance
  (under IFRS 9)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,237)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,827)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(525)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(9,371)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(13,960)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transfers of
  financial assets:</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers from Stage 1 to Stage 2 (not credit-impaired)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">208</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(930)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(218)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(940)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers from Stage 2 (not credit - impaired) to Stage 1</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(125)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">619</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">544</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transfers to Stage 3</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">282</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">564</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,127)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,226)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers from Stage 3 to Stage 1 or 2</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(126)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(68)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">333</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">132</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Changes without transfers between Stages</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">358</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(53)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(260)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,775)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,730)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">New financial assets
  originated</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,072)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(375)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(244)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,692)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Purchased</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Disposals</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">110</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">115</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Repayments</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">641</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">432</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">118</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,432</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,623</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Write-offs</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,433</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,461</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Changes in model/ methodology</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreign exchange</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(84)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">72</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(93)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">343</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">239</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Modifications that result in derecognition</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">138</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Modifications that do not result in derecognition</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(362)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(366)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">135</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">133</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,111</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,399</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=35% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Closing balance</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,106)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,753)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(628)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7,777)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(12,264)</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-105</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_109"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_084OCI_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets at fair value through other comprehensive
  income. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2018 (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=35% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=33% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Not credit-impaired</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit-impaired</font></b></font></p>
  </td>
 <td rowspan=2 width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td nowrap width=35% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Stage 1</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Stage 2</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit-impaired
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Stage 3)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Purchased/originated credit-impaired </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(Stage 3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=35% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances (collectively assessed)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances (individually assessed)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=35% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Opening balance
  (under IFRS 9)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(20)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(14)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(35)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transfers of
  financial assets:</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers from Stage 1 to Stage 2 (not credit-impaired)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers from Stage 2 (not credit - impaired) to Stage 1</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transfers to Stage 3</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers from Stage 3 to Stage 1 or 2</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Changes without transfers between Stages</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">New financial assets
  originated</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Purchased</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Disposals</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Repayments</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Write-offs</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Changes in model/
  methodology</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreign exchange</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Modifications that result in derecognition</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Modifications that do not result in derecognition</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=35% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Closing balance</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(28)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(28)</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-106</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_110"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_084LC_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Loan commitments and financial guarantees. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2018 (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=35% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=33% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Not
  credit-impaired</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit-impaired</font></b></font></p>
  </td>
 <td rowspan=2 width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td nowrap width=35% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Stage 1</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Stage 2</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit-impaired
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Stage 3)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Purchased/originated credit-impaired </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(Stage 3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=35% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances (collectively assessed)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances (individually assessed)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loss
  allowances</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=35% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Opening balance
  (under IFRS 9)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(200)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(135)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(84)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(285)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(704)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transfers of
  financial assets:</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers from Stage 1 to Stage 2 (not credit-impaired)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(84)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(81)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers from Stage 2 (not credit - impaired) to Stage 1</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">65</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transfers to Stage 3</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(48)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers from Stage 3 to Stage 1 or 2</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Changes without transfers between Stages</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">67</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">New financial assets
  originated</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(102)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(32)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(154)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Purchased</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Disposals</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Repayments</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">73</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">202</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Write-offs</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Changes in model/
  methodology</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreign exchange</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Modifications that result in derecognition</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Modifications that do not result in derecognition</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(32)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(32)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=35% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Closing balance</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(232)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(127)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(60)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(217)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(636)</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-107</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_111"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_082_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2017 (Millions of euros) (*)</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td nowrap width=20% style="border:none;height:38.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Opening
  balance</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Increases due to amounts set aside&#160; for estimated loan losses
  during the period</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Decreases due to amounts&#160; reversed for estimated loan losses
  during the period</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Decreases due to amounts taken against allowances</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transfers
  between allowances</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other
  adjustments</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Closing
  balance</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Recoveries&#160; recorded directly to the statement of profit or loss</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity
  instruments</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Specific allowances for financial assets, individually and collectively
  estimated</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10,937)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7,484)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,878</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,503</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,810</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">526</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8,703)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">558</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=20% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(144)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(26)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">123</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(28)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=20% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=20% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=20% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=20% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(26)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(16)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=20% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(103)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=20% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10,793)</font></b></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7,458)</font></b></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,872</font></b></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,503</font></b></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,687</font></b></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">513</font></b></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8,675)</font></b></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">558</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=20% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=20% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(39)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(70)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(42)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=20% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=20% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(287)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">227</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=20% style="height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7,402)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,627)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,993</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,029</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(228)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">636</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,599)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">345</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Households</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,319)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,472)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">837</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,422</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,687</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(177)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,022)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">212</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Collective allowances for incurred but not reported losses on financial
  assets</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,270)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,783)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,159</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,537</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,328)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">557</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,130)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=20% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(46)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,224)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,776)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,128</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,536</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,328)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">554</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,109)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=20% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(16,206)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(9,267)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,037</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,038</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">482</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,083</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(12,833)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">558</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_FS_c649d757db364b628dcd6d907"></a><a name="XBRL_TS_d983a5933ee0426993523822c"></a><a name="XBRL_TS_2defa24486b245f491e1e340a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160; Figures
originally reported in the year 2017 in accordance to the applicable
regulation, without restatements.</font></font><a name="XBRL_FS_c649d757db364b628dcd6d907_bclEnd"></a><a name="XBRL_TS_2defa24486b245f491e1e340a_bclEnd"></a><a name="XBRL_TS_d983a5933ee0426993523822c_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-108</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_112"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_083anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:42.75pt;">
  <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Opening
  balance</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Increases due to amounts set aside&#160; for estimated loan losses
  during the period</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Decreases due to amounts&#160; reversed for estimated loan losses
  during the period</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Decreases due to amounts taken against allowances</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transfers
  between allowances</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other
  adjustments</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Closing
  balance</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Recoveries&#160; recorded directly to the statement of profit or loss</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity
  instruments</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="background:#969696;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Specific allowances for financial assets, individually and collectively
  estimated</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(12,866)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6,912)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,708</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,673</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(123)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">583</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10,937)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">540</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(35)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(167)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(144)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(29)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(26)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(138)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(103)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(12,831)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6,745)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,702</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,610</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(113)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">585</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(10,793)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">540</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(37)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(39)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(38)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(34)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(9,225)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,705)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,158</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,257</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(278)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">391</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7,402)</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">335</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Households</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,514)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,002)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">511</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,325</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">172</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">189</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,319)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">205</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Collective allowances for incurred but not reported losses on financial
  assets</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6,024)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,558)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,463</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">88</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">775</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(15)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,270)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=20% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(113)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(46)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,911)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,546)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,449</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">87</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">711</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,224)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(18,890)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8,470)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,172</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,762</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">652</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">568</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(16,206)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">541</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_TS_d688478d19394cf2abd5919c0"></a><a name="XBRL_TS_cefd3e6dc26643d3b600e0aed"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(</font></font><a name="XBRL_FS_27a42aa0d9634a3381d42721e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">*)&#160; Figures
originally reported in the year 2016 in accordance to the applicable
regulation, without restatements.</font></font><a name="XBRL_FS_27a42aa0d9634a3381d42721e_bclEnd"></a><a name="XBRL_TS_cefd3e6dc26643d3b600e0aed_bclEnd"></a><a name="XBRL_TS_d688478d19394cf2abd5919c0_bclEnd"></a></p>



<font face=BBVABentonSansLight style="border:none;">
&nbsp;</font>



<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_d53bbcc207e34876b3b01ef26"></a><a name="_Toc105964"></a></h3>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-109</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_113"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.3.7&#160;&#160; Refinancing
and restructuring operations</font></b></font><a name="XBRL_TS_d53bbcc207e34876b3b01ef26_bclEnd"></a></h3>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_c1afc42281e64ff99d0e613b1"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Group policies and principles with respect to
refinancing and restructuring operations</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Refinancing and restructuring
transactions (see definition in the Glossary) are carried out with customers
who have requested such an operation in order to meet their current loan
payments if they are expected, or may be expected, to experience financial
difficulty in making the payments in the future.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The basic aim of a refinancing and
restructuring operation is to provide the customer with a situation of
financial viability over time by adapting repayment of the loan incurred with
the Group to the customer&#8217;s new situation of fund generation. The use of
refinancing and restructuring for other purposes, such as to delay loss
recognition, is contrary to BBVA Group policies. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group&#8217;s refinancing and
restructuring policies are based on the following general principles:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Refinancing and
restructuring is authorized according to the capacity of customers to pay the
new installments. This is done by first identifying the origin of the payment
difficulties and then carrying out an analysis of the customers&#8217; viability,
including an updated analysis of their economic and financial situation and
capacity to pay and generate funds. If the customer is a company, the analysis
also covers the situation of the industry in which it operates. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With the aim of increasing
the solvency of the operation, new guarantees and/or guarantors of demonstrable
solvency are obtained where possible. An essential part of this process is an
analysis of the effectiveness of both the new and original guarantees. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This analysis is carried out
from the overall customer or group perspective. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Refinancing and
restructuring operations do not in general increase the amount of the
customer&#8217;s loan, except for the expenses inherent to the operation itself. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The capacity to refinance
and restructure loan is not delegated to the branches, but decided on by the
risk units. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The decisions made are
reviewed from time to time with the aim of evaluating full compliance with
refinancing and restructuring policies. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These general principles are
adapted in each case according to the conditions and circumstances of each
geographical area in which the Group operates, and to the different types of customers
involved.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the case of retail customers
(private individuals), the main aim of the BBVA Group&#8217;s policy on refinancing
and restructuring loan is to avoid default arising from a customer&#8217;s temporary
liquidity problems by implementing structural solutions that do not increase
the balance of customer&#8217;s loan. The solution required is adapted to each case
and the loan repayment is made easier, in accordance with the following principles:
</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Analysis of the viability of
operations based on the customer&#8217;s willingness and ability to pay, which may be
reduced, but should nevertheless be present. The customer must therefore repay
at least the interest on the operation in all cases. No arrangements may be
concluded that involve a grace period for both principal and interest.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Refinancing and
restructuring of operations is only allowed on those loans in which the BBVA
Group originally entered into.</font></font></p>

<p align=left style="border:none;margin-bottom:8.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:left;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:107%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:107%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;">Customers subject to
refinancing and restructuring operations are excluded from marketing campaigns
of any kind.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In
the case of non-retail customers (mainly companies, enterprises and
corporates), refinancing/restructuring is authorized according to an economic
and financial viability plan based on:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Forecasted future income,
margins and cash flows to allow entities to implement cost adjustment measures
(industrial restructuring) and a business development plan that can help reduce
the level of leverage to sustainable levels (capacity to access the financial
markets).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Where appropriate, the
existence of a divestment plan for assets and/or operating segments that can
generate cash to assist the deleveraging process.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The capacity of shareholders
to contribute capital and/or guarantees that can support the viability of the
plan.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In accordance with the Group&#8217;s
policy, the conclusion of a loan refinancing and restructuring operation does
not meet the loan is reclassified from &quot;impaired&quot; or
&quot;significant increase in credit risk&quot; to outstanding risk. The
reclassification to &quot;significant increase in credit risk&quot; or normal
risk categories must be based on the analysis mentioned earlier of the
viability, upon completion of the probationary periods described below. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group maintains the policy of
including risks related to refinanced and restructured loans as either:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&quot;Impaired assets&quot;,
as although the customer is up to date with payments, they are classified as
unlikely to pay when there are significant doubts that the terms of their
refinancing may not be met; or</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&quot;Significant increase
in credit risk&quot; until the conditions established for their consideration
as normal risk are met).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The conditions established for
assets classified as &#8220;Significant increase in credit risk&#8221; to be reclassified
out of this category are as follows:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The customer must have paid
past-due amounts (principal and interest) since the date of the renegotiation
or restructuring of the loan or other objective criteria, demonstrating the
borrower&#180;s ability to pay, have been verified; none of its exposures is more
than 30 days past-due; and</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">At least two years must have
elapsed since completion of the renegotiation or restructuring of the loan and
regular payments must have been made during at least half of this probation
period;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">It is unlikely that the
customer will have financial difficulties and, therefore, it is expected that
the customer will be able to meet its loan payment obligations (principal and
interest) in a timely manner.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group&#8217;s refinancing and
restructuring policy provides for the possibility of two modifications in a 24
month period for loans that are not in compliance with the payment schedule.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The internal models used to
determine allowances for loan losses consider the restructuring and
renegotiation of a loan, as well as re-defaults on such a loan, by assigning a
lower internal rating to restructured and renegotiated loans than the average
internal rating assigned to non-restructured/renegotiated loans. This downgrade
results in an increase in the probability of default (PD) assigned to
restructured/renegotiated loans (with the resulting PD being higher than the
average PD of the non- renegotiated loans in the same portfolios).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For quantitative information on
refinancing and restructuring operations see Appendix VIII.</font></font><a name="XBRL_TS_c1afc42281e64ff99d0e613b1_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_d493dbd644c44847afeb15200"></a><a name="_Toc105965"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-111</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">7.4&#160;&#160;&#160; Market risk</font></b></font><a name="XBRL_TS_d493dbd644c44847afeb15200_bclEnd"></a></p>

<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_c4dee74e9cb14f1a9228cefb3"></a><a name="_Toc105966"></a><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.4.1&#160; Market risk trading portfolios</font></b></font><a name="XBRL_TS_c4dee74e9cb14f1a9228cefb3_bclEnd"></a></h3>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_dc080687e0a74e1eb9ee77f5b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Market risk originates as a
result of movements in the market variables that impact the valuation of traded
financial products and assets. The main risks generated can be classified as
follows:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Interest-rate risk: This
arises as a result of exposure to movements in the different interest-rate
curves involved in trading. Although the typical products that generate
sensitivity to the movements in interest rates are money-market products
(deposits, interest-rate futures, call money swaps, etc.) and traditional
interest-rate derivatives (swaps and interest-rate options such as caps,
floors, swaptions, etc.), practically all the financial products are exposed to
interest-rate movements due to the effect that such movements have on the
valuation of the financial discount.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Equity risk: This arises as
a result of movements in share prices. This risk is generated in spot positions
in shares or any derivative products whose underlying asset is a share or an
equity index. Dividend risk is a sub-risk of equity risk, arising as an input
for any equity option. Its variation may affect the valuation of positions and
it is therefore a factor that generates risk on the books.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Exchange-rate risk: This is
caused by movements in the exchange rates of the different currencies in which
a position is held. As in the case of equity risk, this risk is generated in
spot currency positions, and in any derivative product whose underlying asset
is an exchange rate. In addition, the quanto effect (operations where the
underlying asset and the instrument itself are denominated in different
currencies) means that in certain transactions in which the underlying asset is
not a currency, an exchange-rate risk is generated that has to be measured and monitored.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Credit-spread risk: Credit
spread is an indicator of an issuer's credit quality. Spread risk occurs due to
variations in the levels of spread of both corporate and government issues, and
affects positions in bonds and credit derivatives.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Volatility risk: This occurs
as a result of changes in the levels of implied price volatility of the
different market instruments on which derivatives are traded. This risk, unlike
the others, is exclusively a component of trading in derivatives and is defined
as a first-order convexity risk that is generated in all possible underlying
assets in which there are products with options that require a volatility input
for their valuation.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The metrics developed to control
and monitor market risk in BBVA Group are aligned with market practices and are
implemented consistently across all the local market risk units. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Measurement procedures are
established in terms of the possible impact of negative market conditions on
the trading portfolio of the Group's Global Markets units, both under ordinary
circumstances and in situations of heightened risk factors.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The standard metric used to measure
market risk is Value at Risk (&#8220;VaR&#8221;), which indicates the maximum loss that may
occur in the portfolios at a given confidence level (99%) and time horizon (one
day). This statistic value is widely used in the market and has the advantage
of summing up in a single metric the risks inherent to trading activity, taking
into account how they are related and providing a prediction of the loss that
the trading book could sustain as a result of fluctuations in equity prices,
interest rates, foreign exchange rates and credit spreads. The market risk
analysis considers risks, such as credit spread, basis risk as well as
volatility and correlation risk.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-112</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_116"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Most
of the headings on the Group's balance sheet subject to market risk are
positions in the Group&#180;s trading portfolio whose metric for measuring their
market risk is VaR. This table shows the accounting lines of the consolidated
balance sheet as of December 31, 2018, 2017 and 2016</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">in
which there is a market risk in the Group&#180;s trading and non-trading portfolios:</font></font><a name="XBRL_TS_dc080687e0a74e1eb9ee77f5b_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_001dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Headings of the balance sheet under market risk (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td width=34% style="border:none;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 style="border:none;"><b><font color=#003366 face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 style="border:none;"><b><font color=#003366 face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Main market risk metrics - VaR</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Main market risk metrics - </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Others (*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Main market risk metrics - VaR</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Main market risk metrics - </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Others (*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Main market risk metrics - VaR</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Main market risk metrics - </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Others (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Assets subject to market risk</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=34% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">57,486</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,459</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59,008</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">441</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">64,623</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,480</font></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td valign=bottom width=34% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=11% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,652</font></font></p>
  </td>
 <td nowrap width=11% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,125</font></font></p>
  </td>
 <td nowrap width=11% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,661</font></font></p>
  </td>
 <td nowrap width=11% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,083</font></font></p>
  </td>
 <td nowrap width=11% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,119</font></font></p>
  </td>
 <td nowrap width=11% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,771</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Equity instruments</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,046</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,404</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,559</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives - Hedging
  accounting</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">688</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,061</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">829</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,397</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,041</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,415</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Liabilities subject to market risk</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=34% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial liabilities held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,844</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,026</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,468</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,526</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47,491</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,223</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives - Hedging
  accounting</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">550</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">910</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,157</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">638</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,305</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">689</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_ae6a7e02e6e24e3f83342ab2d"></a><a name="XBRL_TS_6c3a8bb4e942456f8bafe74f9"></a><a name="XBRL_TS_d1d2efa28d0f4c839dee62f65"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160; Includes mainly assets and liabilities
managed by ALCO.</font></font><a name="XBRL_FS_ae6a7e02e6e24e3f83342ab2d_bclEnd"></a><a name="XBRL_TS_6c3a8bb4e942456f8bafe74f9_bclEnd"></a><a name="XBRL_TS_d1d2efa28d0f4c839dee62f65_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3838ac02a2ec40b7aafa22804"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Although the prior table shows
details of the financial positions subject to market risk, it should be noted
that the data are for information purposes only and do not reflect how the risk
is managed in trading activity, where it is not classified into assets and
liabilities.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With respect to the risk
measurement models used in BBVA Group, the Bank of Spain has authorized the use
of the internal model to determine bank capital requirements deriving from risk
positions on the BBVA S.A. and BBVA Bancomer trading book, which jointly
account for around 76%, 70% and 66% of the Group&#8217;s trading-book market risk as
of December 31, 2018, 2017 and 2016. For the rest of the geographical areas
(mainly South America, Garanti and BBVA Compass), bank capital for the risk
positions in the trading book is calculated using the standard model.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The current management structure
includes the monitoring of market-risk limits, consisting of a scheme of limits
based on VaR, economic capital (based on VaR measurements) and VaR sub-limits,
as well as stop-loss limits for each of the Group&#8217;s business units. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The model used estimates VaR in
accordance with the &quot;historical simulation&quot; methodology, which
involves estimating losses and gains that would have taken place in the current
portfolio if the changes in market conditions that took place over a specific
period of time in the past were repeated. Based on this information, it infers
the maximum expected loss of the current portfolio within a given confidence
level. This model has the advantage of reflecting precisely the historical
distribution of the market variables and not assuming any specific distribution
of probability. The historical period used in this model is two years. The
historical simulation method is used in BBVA S.A., BBVA Bancomer, BBVA
Colombia, Compass Bank and Garanti.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-113</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_117"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:3.3pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">VaR figures
are estimated following two methodologies:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><a name="_Toc411000321"></a><a name="_Toc411000601"></a><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">VaR without smoothing, which
awards equal weight to the daily information for the previous two years. This is
currently the official methodology for measuring market risks for the purpose
of monitoring compliance with risk limits.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><a name="_Toc411000322"></a><a name="_Toc411000602"></a><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">VaR with smoothing, which
gives a greater weight to more recent market information. This metric
supplements the previous one.</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the case of Global Markets Argentina
and Global Markets Peru a parametric methodology is used to measure risk in
terms of VaR.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">At the same time, and following the
guidelines established by the Spanish and European authorities, BBVA
incorporates metrics in addition to VaR with the aim of meeting the Bank of
Spain's regulatory requirements with respect to the calculation of bank capital
for the trading book. Specifically, the new measures incorporated in the Group
since December 2011 (stipulated by Basel 2.5) are:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><a name="_Toc411000323"></a><a name="_Toc411000603"></a><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">VaR: In regulatory terms,
the VaR charge incorporates the stressed VaR charge, and the sum of the two
(VaR and stressed VaR) is calculated. This quantifies the losses associated
with the movements of the two risk factors inherent to market operations
(interest rates, FX, RV, credit, etc.). Both VaR and stressed VaR are rescaled
by a regulatory multiplier set at three and by the square root of ten to
calculate the capital charge.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Specific Risk: Incremental
Risk Capital (&#8220;IRC&#8221;) Quantification of the risks of default and downgrading of
the credit ratings of the bond and credit derivative positions in the
portfolio. The specific capital risk by IRC is a charge exclusively used in the
geographical areas with the internal model approved (BBVA S.A. and Bancomer).
The capital charge is determined according to the associated losses (at 99.9%
in a 1-year horizon under the hypothesis of constant risk) due to the rating
migration and/or default state the issuer of an asset. In addition, the price
risk is included in sovereign positions for the items specified.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Specific Risk:
Securitization and correlation portfolios. Capital charge for securitizations
and the correlation portfolio to include the potential losses associated at the
level of rating a specific credit structure (rating). Both are calculated by
the standard method. The scope of the correlation portfolios refers to the
FTD-type market operation and/or tranches of market CDOs and only for positions
with an active market and hedging capacity.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="_Toc411000326"></a><a name="_Toc411000606"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Validity tests are performed regularly on the risk measurement
models used by the Group. They estimate the maximum loss that could have been
incurred in the positions with a certain level of probability (backtesting), as
well as measurements of the impact of extreme market events on risk positions
(stress testing). As an additional control measure, backtesting is conducted at
trading desk level in order to enable more specific monitoring of the validity
of the measurement models.</font></font><a name="XBRL_TS_3838ac02a2ec40b7aafa22804_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_4dee15da26a049a89675d8794"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-114</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Market risk in
2018</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="_Toc411000328"></a><a name="_Toc411000608"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group&#8217;s market risk remains at low levels compared to other
risks managed by BBVA, particularly in terms of credit risk. This is due to the
nature of the business. During the financial year 2018 the average VaR was &#8364;21
million, below the figure of 2017, with a high on March 16, 2018 of &#8364;26
million. The evolution in the BBVA Group&#8217;s market risk during 2018, measured as
VaR without smoothing (see Glossary) with a 99% confidence level and a </font></font><a name="XBRL_CS_34b85a54924b49cbbcc9e2ced"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">1-day horizon</font></font><a name="XBRL_CS_34b85a54924b49cbbcc9e2ced_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> (shown in
millions of Euros) is as follows</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">:</font></font><a name="XBRL_TS_4dee15da26a049a89675d8794_bclEnd"></a></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><img border=0 height=416 id="Imagen 1" src="d20f2018recastx117x0.gif" width=650></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_a7049c9fc8f24967ae99b2151"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">By type of market risk assumed
by the Group's trading portfolio, the main risk factor for the Group continues
to be that linked to interest rates, with a weight of </font></font><a name="XBRL_CS_f247f6a0734448638903b4f2c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">55%</font></font><a name="XBRL_CS_f247f6a0734448638903b4f2c_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> of the
total at the end of year ended December 31, 2018 (this figure includes the
spread risk). <a name="XBRL_CS_adf356342a544600a16631eb9"></a>The relative weight
has increased compared with the close of 2017 (<a name="XBRL_CS_bb5a2e7d304c444390a9870a6"></a>48%<a name="XBRL_CS_bb5a2e7d304c444390a9870a6_bclEnd"></a>). Exchange-rate risk
maintains its proportion with respect to 2017 (<a name="XBRL_CS_fdd2ad20a31e4fa2ae066c9f9"></a>14%<a name="XBRL_CS_fdd2ad20a31e4fa2ae066c9f9_bclEnd"></a>)<a name="XBRL_CS_adf356342a544600a16631eb9_bclEnd"></a>, while equity, volatility
and correlation risk have decreased, with a weight of <a name="XBRL_CS_f70ca5441a374760963318b80"></a>31%<a name="XBRL_CS_f70ca5441a374760963318b80_bclEnd"></a> at the close of 2018 (vs. <a name="XBRL_CS_6bcabcc8115f44b1a0ec53574"></a>38%<a name="XBRL_CS_6bcabcc8115f44b1a0ec53574_bclEnd"></a> at the close of 2017).</font></font><a name="XBRL_TS_a7049c9fc8f24967ae99b2151_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_2eeedc5712f74f80b50c71c43"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-115</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As
of December 31, 2018, 2017 and 2016 the balance of VaR was &#8364;17 million, &#8364;22
million and &#8364;26 million, respectively. These figures can be broken down as
follows:</font></font><a name="XBRL_TS_2eeedc5712f74f80b50c71c43_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_002dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">VaR by Risk Factor (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td nowrap width=34% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest/Spread
  Risk</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Currency Risk</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Stock-market
  Risk</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Vega/Correlation
  Risk</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Diversification
  Effect(*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">VaR average in the year</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">VaR max in the year</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">VaR min in the year</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">End of period
  VaR</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">VaR average in the year</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(23)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">VaR max in the year</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">VaR min in the year</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(26)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">End of period
  VaR</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(26)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">VaR average in the year</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(23)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">29</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">VaR max in the year</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(23)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">38</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">VaR min in the year</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">End of period
  VaR</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(24)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_161e1381349a45d1b71db5a6f"></a><a name="XBRL_TS_2f01891ae6eb4eda8a26ddfec"></a><a name="XBRL_TS_1a47175bc6904d40bd29fe291"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160; 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.</font></font><a name="XBRL_FS_161e1381349a45d1b71db5a6f_bclEnd"></a><a name="XBRL_TS_1a47175bc6904d40bd29fe291_bclEnd"></a><a name="XBRL_TS_2f01891ae6eb4eda8a26ddfec_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_108afd9549a94f50a09155434"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Validation of the model</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The internal market risk model is
validated on a regular basis by backtesting in both BBVA S.A. and Bancomer. The
aim of backtesting is to validate the quality and precision of the internal
market risk model used by BBVA Group to estimate the maximum daily loss of a
portfolio, at a <a name="XBRL_CS_afbd532a3ee44bd89d59ddd3e"></a>99%<a name="XBRL_CS_afbd532a3ee44bd89d59ddd3e_bclEnd"></a> level of confidence and a
250-day time horizon, by comparing the Group's results and the risk
measurements generated by the internal market risk model. These tests showed
that the internal market risk model of both BBVA, S.A. and Bancomer is adequate
and precise.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Two
types of backtesting have been carried out during 2018, 2017 and 2016:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&quot;Hypothetical&quot;
backtesting: the daily VaR is compared with the results obtained, not taking
into account the intraday results or the changes in the portfolio positions.
This validates the appropriateness of the market risk metrics for the
end-of-day position.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&quot;Real&quot; backtesting:
the daily VaR is compared with the total results, including intraday
transactions, but discounting the possible minimum charges or fees involved.
This type of backtesting includes the intraday risk in portfolios.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, each of these two
types of backtesting was carried out at the level of risk factor or business
type, thus making a deeper comparison of the results with respect to risk
measurements.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For the period between the year
ended December 31, 2017 and the year ended December 31, 2018, the backtesting
of the internal VaR calculation model was carried out, comparing the daily
results obtained to the estimated risk level by the internal VaR calculation
model. At the end of the year the comparison showed the internal VaR
calculation model was working correctly, within the &quot;green&quot; zone (<a name="XBRL_CS_7fc9e7014ae144bca42790d6d"></a>0-4 exceptions<a name="XBRL_CS_7fc9e7014ae144bca42790d6d_bclEnd"></a>), thus validating the
internal VaR calculation model, as has occurred each year since the internal
market risk model was approved for the Group.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-116</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Stress test analysis</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A
number of stress tests are carried out on BBVA Group's trading portfolios.
First, global and local historical scenarios are used that replicate the
behavior of an extreme past event, such as for example the collapse of Lehman
Brothers or the &quot;Tequilazo&quot; crisis. These stress tests are
complemented with simulated scenarios, where the aim is to generate scenarios
that have a significant impact on the different portfolios, but without being
anchored to any specific historical scenario. Finally, for some portfolios or
positions, fixed stress tests are also carried out that have a significant
impact on the market variables affecting these positions</font><font color=#222222 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.&nbsp;</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Historical
scenarios</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#222222 face=Arial,sans-serif style="border:none;"><font color=#222222 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The historical benchmark stress scenario for the BBVA Group is
Lehman Brothers, whose sudden collapse in September 2008 led to a significant
impact on the behavior of financial markets at a global level. The following
are the most relevant effects of this historical scenario:</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Credit shock: reflected mainly in the increase of
credit spreads and downgrades in credit ratings.&nbsp;</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Increased volatility in most of the financial markets
(giving rise to a great deal of variation in the prices of different assets
(currency, equity, debt).</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Liquidity shock in the financial systems, reflected by
a major movement in interbank curves, particularly in the shortest sections of
the euro and dollar curves.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Simulated
scenarios</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Unlike the historical scenarios,
which are fixed and therefore not suited to the composition of the risk
portfolio at all times, the scenario used for the exercises of economic stress
is based on Resampling methodology. This methodology is based on the use of
dynamic scenarios are recalculated periodically depending on the main risks
held in the trading portfolios. On a data window wide enough to collect
different periods of stress (data are taken from 1-1-2008 until today), a
simulation is performed by resampling of historic observations, generating a
loss distribution and profits to analyze most extreme of births in the selected
historical window. The advantage of this resampling methodology is that the
period of stress is not predetermined, but depends on the portfolio maintained
at each time, and making a large number of simulations (10,000 simulations)
allows a richer information for the analysis of expected shortfall than what is
available in the scenarios included in the calculation of VaR.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The main features of this approach
are: a) the generated simulations respect the correlation structure of the
data, b) flexibility in the inclusion of new risk factors and c) to allow the
introduction of a lot of variability in the simulations (desirable to consider
extreme events).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The impact of the stress test under multivariable simulation of
the risk factors of the portfolio (</font><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Expected shortfall </font></i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">95% to 20 days) as
of December 31, 2018 is as follows:</font></font><a name="XBRL_TS_108afd9549a94f50a09155434_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.15pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Millions of
  Euros</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Europe</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Peru</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Venezuela</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Argentina</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Colombia</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Compass</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=15% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Expected Shortfall</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(99)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(33)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_e37277466ab7428290c8d2f35"></a></h3>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-117</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.4.2&#160;&#160; Structural risk</font></b></font><a name="XBRL_TS_e37277466ab7428290c8d2f35_bclEnd"></a></h3>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_996f157265804a46909305949"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Assets and Liabilities
Committee (ALCO) is the main responsible body for the management of structural
risks relating to liquidity/funding, interest rates, currency rates, equity and
solvency. Every month, with the assistance of the CEO and representatives from
the areas of Finance, Risks and Business Areas, this committee monitors the
above risks and is presented with proposals for managing them for its approval.
These management proposals are made proactively by the Finance area, taking
into account the risk appetite framework and with the aim of guaranteeing
recurrent earnings and financial stability and preserving the entity's
solvency. All the balance-sheet management units have a local ALCO, assisted
constantly by the members of the Corporate Center. There is also a corporate
ALCO where the management strategies in the Group's subsidiaries are monitored
and presented.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Structural
interest-rate risk</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The structural interest-rate risk (&#8220;IRRBB&#8221;) is related to the
potential impact that variations in market interest rates have on an entity's
net interest income and equity. In order to properly measure IRRBB, BBVA takes
into account the main sources that generate this risk: repricing risk, yield
curve risk, option risk and basis risk, which are analyzed from two
complementary points of view: net interest income (short term) and economic
value (long term)</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">ALCO monitors the interest-rate
risk metrics and the Assets and Liabilities Management unit carries out the
management proposals for the structural balance sheet. The management objective
is to ensure the stability of net interest income and book value in the face of
changes in market interest rates, while respecting the internal solvency and
limits in the different balance-sheets and for BBVA Group as a whole; and
complying with current and future regulatory requirements.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA's structural interest-rate
risk management control and monitoring is based on a set of metrics and tools
that enable the entity's risk profile to be monitored correctly. A wide range
of scenarios are measured on a regular basis, including sensitivities to
parallel movements in the event of different shocks, changes in slope and
curve, as well as delayed movements. Other probabilistic metrics based on
statistical scenario-simulating methods are also assessed, such as earnings at
risk (&#8220;EaR&#8221;) and economic capital (&#8220;EC&#8221;), which are defined as the maximum
adverse deviations in net interest income and economic value, respectively, for
a given confidence level and time horizon. Impact thresholds are established on
these management metrics both in terms of deviations in net interest income and
in terms of the impact on economic value. The process is carried out separately
for each currency to which the Group is exposed, and the diversification effect
between currencies and business units is considered after this. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In order to evaluate its
effectiveness, the model is subjected to regular internal validation. In
addition, the banking book&#8217;s interest-rate risk exposures are subjected to
different stress tests in order to reveal balance sheet vulnerabilities under
extreme scenarios. This testing includes an analysis of adverse macroeconomic
scenarios designed specifically by BBVA Research, together with a wide range of
potential scenarios that aim to identify interest-rate environments that are
particularly damaging for the entity. This is done by generating extreme
scenarios of a breakthrough in interest rate levels and historical
correlations, giving rise to sudden changes in the slopes and even to inverted
curves.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The model is necessarily
underpinned by an elaborate set of hypotheses that aim to reproduce the
behavior of the balance sheet as closely as possible to reality. Especially
relevant among these assumptions are those related to the behavior of Non
Maturity Deposits, for which stability and remuneration assumptions are
established, consistent with an adequate segmentation by type of product and
customer, and prepayment estimates (implicit optionality). The assumptions are
reviewed and adapted, at least on an annual basis, to signs of changes in
behavior, kept properly documented and reviewed on a regular basis in the
internal validation processes.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The impacts on the metrics are
assessed both from a point of view of economic value with a static model (gone
concern) and from the perspective of net interest income, for which a dynamic
model (going concern) consistent with the corporate assumptions of earnings
forecasts is used.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-118</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_122"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below
shows the profile of average sensitivities to net interest income and value of
the main banks in BBVA Group in 2018:</font></font><a name="XBRL_TS_996f157265804a46909305949_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_011dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Sensitivity to Interest-Rate Analysis - December 2018</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=41% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Impact on Net Interest Income (*)</font></b></font></p>
  </td>
 <td colspan=2 width=40% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impact on
  Economic Value&#160;&#160;&#160;&#160;&#160;&#160; (**)</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC style="border:none;"><b><font color=#0066CC face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100
  Basis-Point Increase</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100
  Basis-Point Decrease</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100
  Basis-Point Increase</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100
  Basis-Point Decrease</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=19% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Europe (***)</font></font></p>
  </td>
 <td nowrap width=21% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">+ (5% - 10%)</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (5% - 10%)</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">+ (0% - 5%)</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (0% - 5%)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">+ (0% - 5%)</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (0% - 5%)</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">+ (0% - 5%)</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (0% - 5%)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">USA</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">+ (5% - 10%)</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (5% - 10%)</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (5% - 10%)</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">+ (0% - 5%)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=21% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">+ (0% - 5%)</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (0% - 5%)</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (0% - 5%)</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">+ (0% - 5%)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">+ (0% - 5%)</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (0% - 5%)</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (0% - 5%)</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">+ (0% - 5%)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=19% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Group</font></b></font></p>
  </td>
 <td nowrap width=21% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">+ (0% - 5%)</font></b></font></p>
  </td>
 <td nowrap width=20% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (0% - 5%)</font></b></font></p>
  </td>
 <td nowrap width=20% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (0% - 5%)</font></b></font></p>
  </td>
 <td nowrap width=20% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- (0% - 5%)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_TS_110dc94c30694494a610875be"></a><a name="XBRL_FS_1e51280e7f664f2584bf5ccab"></a><a name="XBRL_TS_e269be7a66e0483aa83602491"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160;&#160;&#160; </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">&#160;&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Percentage of &quot;1
year&quot; net interest income forecast for each unit.</font></font><a name="XBRL_FS_1e51280e7f664f2584bf5ccab_bclEnd"></a><a name="XBRL_TS_e269be7a66e0483aa83602491_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_FS_ef5158ed1db2466dad5b5f84e"></a><a name="XBRL_TS_177abfc7bd6a45ab9141bd880"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(**)&#160;&#160; </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:3.0pt;">&#160;&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Percentage of
Core Capital for each unit.</font></font><a name="XBRL_FS_ef5158ed1db2466dad5b5f84e_bclEnd"></a><a name="XBRL_TS_177abfc7bd6a45ab9141bd880_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_FS_1ece76a57c0f4464a149df31d"></a><a name="XBRL_TS_a109c57ba7f341cca20fe5f7c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(***)&#160; In Europe downward movement including
rates below the current ones.</font></font><a name="XBRL_FS_1ece76a57c0f4464a149df31d_bclEnd"></a><a name="XBRL_TS_110dc94c30694494a610875be_bclEnd"></a><a name="XBRL_TS_a109c57ba7f341cca20fe5f7c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_45958900f55b4ee38911bace4"></a><a name="XBRL_CS_5847d32a775543cc94b29841d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In 2018 in Europe monetary
policy has remained expansionary, maintaining rates at 0% and the deposit rate
at -0.4%. In USA the rising rate cycle initiated by the Federal Reserve in 2015
has continued. In Mexico and Turkey, the upward cycle has continued because of
volatility of their currencies and inflation prospects. In South America,
monetary policy has continued to be expansive in most of the economies where
the Group operates, with the exception of Argentina, where rates increased and
actions were taken not to increase the monetary basis and slow the inflation.</font></font><a name="XBRL_CS_5847d32a775543cc94b29841d_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group maintains,
overall a positive and moderate sensitivity in its net interest income to an
increase in interest rates. The higher relative net interest income
sensitivities are observed in, particularly Euro and USD. In Europe however,
the decrease in interest rates is limited by the downward path scope in
interest rates. The Group maintains a moderate risk profile, according to its
target risk, through effective management of its balance sheet structural risk.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Structural exchange-rate
risk </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In BBVA Group, structural exchange-rate risk
arises from the consolidation of holdings in subsidiaries with functional
currencies other than the euro. Its management is centralized in order to
optimize the joint handling of permanent foreign currency exposures, taking
into account the diversification. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The corporate Global ALM unit, through ALCO,
designs and executes hedging strategies with the main purpose of controlling
the potential negative effect of exchange-rate fluctuations on capital ratios
and on the equivalent value in euros of the foreign-currency earnings of the
Group's subsidiaries, considering transactions according to market expectations
and their cost.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The risk monitoring metrics included in the
framework of limits are integrated into management and supplemented with
additional assessment indicators. At corporate level they are based on
probabilistic metrics that measure the maximum deviation in the Group&#8217;s
Capital, CET1 (&#8220;Common Equity Tier 1&#8221;) ratio, and net attributable profit. The
probabilistic metrics make it possible to estimate the joint impact of exposure
to different currencies taking into account the different variability in exchange
rates and their correlations.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-119</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The suitability
of these risk assessment metrics is reviewed on a regular basis through
backtesting exercises. The final element of structural exchange-rate risk
control is the analysis of scenarios and stress with the aim of identifying in
advance possible threats to future compliance with the risk appetite levels
set, so that any necessary preventive management actions can be taken. The
scenarios are based both on historical situations simulated by the risk model
and on the risk scenarios provided by BBVA Research.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">2018 has been characterized by higher
volatility levels of FX rates in emerging markets. As for the main currencies
of the geographies where the Group operates, it is worth mentioning the <a name="XBRL_CS_5a010f4938434f5a9312247ec"></a><a name="XBRL_CS_3c33a5eeb4e74cf39803cca26"></a>appreciation of Mexican peso and US
Dollar against the euro (around 5% in both cases)<a name="XBRL_CS_3c33a5eeb4e74cf39803cca26_bclEnd"></a><a name="XBRL_CS_5a010f4938434f5a9312247ec_bclEnd"></a>, while Turkish lira and
Argentinian peso have strongly depreciated (<a name="XBRL_CS_0945113134c34220b48bc3239"></a>25%<a name="XBRL_CS_0945113134c34220b48bc3239_bclEnd"></a> and <a name="XBRL_CS_7f850bded8b24e1fab91ae1cc"></a>48%<a name="XBRL_CS_7f850bded8b24e1fab91ae1cc_bclEnd"></a>, respectively) affected by
idiosyncratic factors.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group's structural exchange-rate risk
exposure level has remained fairly stable since the end of 2017.&#160; The hedging
policy intends to keep low levels of sensitivity to movements in the exchange
rates of emerging currencies against the euro and focuses on Mexican peso and
Turkish lira. <a name="XBRL_CS_15e933a3e8384831b7f193088"></a>The risk mitigation
level in capital ratio due to the book value of BBVA Group's holdings in
foreign emerging currencies stood at around 70% <a name="XBRL_CS_15e933a3e8384831b7f193088_bclEnd"></a>and, as of the end of 2018,
CET1 ratio sensitivity to the appreciation of <a name="XBRL_CS_8eba2a61e97a40428fde8dcdb"></a>1%<a name="XBRL_CS_8eba2a61e97a40428fde8dcdb_bclEnd"></a> in the euro exchange rate
for each currency is: <a name="XBRL_CS_478014ade6ed4947871e857fb"></a>US Dollar
+1.1 bps<a name="XBRL_CS_478014ade6ed4947871e857fb_bclEnd"></a>; <a name="XBRL_CS_b53282913fb3481e8df536d14"></a>Mexican peso -0.2 bps<a name="XBRL_CS_b53282913fb3481e8df536d14_bclEnd"></a>; <a name="XBRL_CS_286ea5d79965481caaffd2690"></a>Turkish Lira -0.2 bps<a name="XBRL_CS_286ea5d79965481caaffd2690_bclEnd"></a>; <a name="XBRL_CS_7674dfcb323e482aa2468cf06"></a>other currencies -0.2 bps<a name="XBRL_CS_7674dfcb323e482aa2468cf06_bclEnd"></a>. On the other hand,
hedging of emerging-currency denominated earnings of 2018 has reached an <a name="XBRL_CS_3b2eb2bbbfd84f978eb77dd66"></a>82%<a name="XBRL_CS_3b2eb2bbbfd84f978eb77dd66_bclEnd"></a>, concentrated in Mexican
peso, Turkish lira and the main Latin American currencies.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Structural equity risk</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA Group's exposure to structural equity risk
stems basically from minority shareholdings in industrial and financial companies
held with long or medium-term investment horizons. This exposure is modulated
in some portfolios with positions held in derivative instruments on the same
underlying assets, in order to adjust the portfolio sensitivity to potential
changes in equity prices.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The management of structural equity portfolios
is a responsibility of the Group's units specialized in this area. Their
activity is subject to the risk management corporate policy on structural
equity risk management, complying with the defined management principles and
Risk Appetite Framework.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group's risk management systems also make
it possible to anticipate potential negative impacts and take appropriate
measures to prevent damage being caused to the entity. The risk control and
limitation mechanisms are focused on the exposure, annual performance and
economic capital estimated for each portfolio. Economic capital is estimated in
accordance with a corporate model based on Monte Carlo simulations, taking into
account the statistical performance of asset prices and the diversification
existing among the different exposures. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Stress tests and analyses of sensitivity to
different simulated scenarios are carried out periodically to analyze the risk
profile in more depth. They are based on both past crisis situations and
forecasts made by BBVA Research. This checks that the risks are limited and
that the tolerance levels set by the Group are not at risk.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Backtesting is carried out on a regular basis
on the risk measurement model used. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With regard to the equity markets, the world
indexes have closed the year 2018 with generalized falls and volatility surges
in a macro environment of global growth slowdown, increase of the political
uncertainty and normalization of the monetary policies.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Structural equity risk, measured in terms of
economic capital, has decreased in the period mainly due to lower exposure. </font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:115%;">The aggregate sensitivity of the BBVA
Group&#8217;s consolidated equity to a 1% fall in the price of shares of the
companies making up the equity portfolio remained at around &#8364;-<a name="XBRL_CS_163c9edb549543a188d0a3a3f"></a>28<a name="XBRL_CS_163c9edb549543a188d0a3a3f_bclEnd"></a>&nbsp;million as of
December 31, 2018 and &#8364;-<a name="XBRL_CS_cc14857333ea4dc8a69a6b093"></a>32<a name="XBRL_CS_cc14857333ea4dc8a69a6b093_bclEnd"></a> million as of December 31,
2017. This estimation takes into account the exposure in shares valued at market
prices, or if not applicable, at fair value (excluding the positions in the
Treasury Area and the net delta-equivalent positions in derivatives on the same
underlyings.</font></font><a name="XBRL_TS_45958900f55b4ee38911bace4_bclEnd"></a><font color=black face=Arial,sans-serif style="background:white;border:none;">
&nbsp;</font></p>

<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_11618cfd501d42abbd7b17d71"></a><a name="_Toc505356846"></a><a name="_Toc105968"></a><a name="_Toc474142231"></a></h3>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-120</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<h3 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.4.3&#160;&#160; Financial Instruments </font></b></font><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">offset</font></b></font><a name="XBRL_TS_11618cfd501d42abbd7b17d71_bclEnd"></a></h3>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_5d1ed0ab307341468b2680c25"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial assets and liabilities may be netted,
i.e. they are presented for a net amount on the consolidated balance sheet only
when the Group's entities satisfy with the provisions of IAS 32-Paragraph 42,
so they have both the legal right to net recognized amounts, and the intention
of settling the net amount or of realizing the asset and simultaneously paying
the liability.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, the Group has presented as gross
amounts assets and liabilities on the consolidated balance sheet for which
there are master netting arrangements in place, but for which there is no
intention of settling net. The most common types of events that trigger the
netting of reciprocal obligations are bankruptcy of the entity, surpassing
certain level of indebtedness threshold, failure to pay, restructuring and
dissolution of the entity.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the current market context, derivatives are
contracted under different framework contracts being the most widespread
developed by the International Swaps and Derivatives Association (&#8220;ISDA&#8221;) and,
for the Spanish market, the Framework Agreement on Financial Transactions
(&#8220;CMOF&#8221;). Almost all portfolio derivative transactions have been concluded
under these framework contracts, including in them the netting clauses
mentioned in the preceding paragraph as &quot;Master Netting Agreement&quot;,
greatly reducing the credit exposure on these instruments. Additionally, in
contracts signed with professional counterparties, the collateral agreement
annexes called Credit Support Annex (&#8220;CSA&#8221;) are included, thereby minimizing
exposure to a potential default of the counterparty.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Moreover, in transactions involving assets purchased or sold under a
repurchase agreement there is a high volume transacted through clearing houses
that articulate mechanisms to reduce counterparty risk, as well as through the
signature of various master agreements for bilateral transactions, the most
widely used being the Global Master Repurchase Agreement (GMRA), published by
International Capital Market Association (&#8220;ICMA&#8221;), to which the clauses related
to the collateral exchange are usually added within the text of the master
agreement itself.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A summary of the effect of the compensation
(via netting and collateral) for derivatives and securities operations is
presented below as of December 31, 2018, 2017 and 2016:</font></font><a name="XBRL_TS_5d1ed0ab307341468b2680c25_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.1_031dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:9.0pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2018
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:36.0pt;">
  <td nowrap valign=bottom width=25% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Gross Amounts Not Offset in the Consolidated Balance Sheets (D)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:60.0pt;">
  <td nowrap width=25% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Gross Amounts
  Recognized (A)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Gross Amounts Offset in the Consolidated Balance Sheets (B)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Net Amount Presented in the Consolidated Balance Sheets (C=A-B)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Financial
  Instruments</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Cash
  Collateral Received/ Pledged</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Net Amount (E=C-D)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=25% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Trading and hedging
  derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10, 15</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">49,908</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,480</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">33,428</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">25,024</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,790</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">613</font></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=25% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Reverse repurchase, securities borrowing and similar agreements</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28,074</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28,032</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28,022</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">169</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(159)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total Assets</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">77,982</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,522</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">61,460</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53,046</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,959</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">454</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=25% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=25% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Trading and hedging
  derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10, 15</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">51,596</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,101</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34,494</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">25,024</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,788</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,682</font></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=25% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Repurchase, securities lending and similar agreements</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">43,035</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42,993</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42,877</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">82</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total
  liabilities</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">94,631</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,143</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">77,487</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">67,901</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,822</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,765</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-121</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_125"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.1_032_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:9.0pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:36.0pt;">
  <td nowrap valign=bottom width=23% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=23% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Gross Amounts Not Offset in the Consolidated Balance Sheets (D)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:91.5pt;">
  <td nowrap width=23% style="border:none;border-bottom:solid black 1.0pt;height:91.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:91.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:91.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Gross Amounts
  Recognized (A)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:91.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Gross Amounts Offset in the Consolidated Balance Sheets (B)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:91.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Net Amount Presented in the Consolidated Balance Sheets (C=A-B)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:91.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Financial
  Instruments</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:91.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Cash
  Collateral Received/ Pledged</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:91.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Net Amount (E=C-D)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=23% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Trading and hedging
  derivatives</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10, 15</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">49,333</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,584</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">37,749</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27,106</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,442</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,202</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td valign=bottom width=23% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Reverse repurchase, securities borrowing and similar agreements</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26,426</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26,369</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26,612</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">141</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(384)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total Assets</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">75,759</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,641</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">64,118</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53,717</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,583</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,818</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=23% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=23% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Trading and hedging
  derivatives</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10, 15</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">50,693</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,644</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">39,049</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27,106</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,328</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,615</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=23% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Repurchase, securities lending and similar agreements</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">40,134</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">40,078</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">40,158</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(101)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total
  liabilities</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">90,827</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,701</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">79,126</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">67,264</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,349</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,514</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;"></font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.1_033anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:9.0pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2016
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:39.0pt;">
  <td nowrap valign=bottom width=23% style="border:none;height:39.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:39.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:39.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:39.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:39.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=23% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Gross Amounts Not Offset in the Consolidated Balance Sheets (D)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:39.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:60.0pt;">
  <td nowrap width=23% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Gross Amounts
  Recognized (A)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Gross Amounts Offset in the Consolidated Balance Sheets (B)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Net Amount Presented in the Consolidated Balance Sheets (C=A-B)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Financial
  Instruments</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Cash
  Collateral Received/ Pledged</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:60.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Net Amount (E=C-D)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=23% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Trading and hedging
  derivatives</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10, 15</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">59,374</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13,587</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">45,788</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">32,146</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,571</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,070</font></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=23% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Reverse repurchase, securities borrowing and similar agreements</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">25,833</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,912</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22,921</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,080</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">174</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(333)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total Assets</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">85,208</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,499</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">68,709</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">55,226</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,745</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,738</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=23% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=23% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Trading and hedging
  derivatives</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10, 15</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">59,545</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14,080</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">45,465</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">32,146</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,272</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,047</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=23% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Repurchase, securities lending and similar agreements</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">49,474</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,912</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46,562</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">47,915</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">176</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,529)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total
  liabilities</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">109,019</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,991</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">92,027</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">80,061</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,448</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,518</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-122</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_126"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_8b7a3420966e4c139c855b4e1"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">7.5&#160;&#160;&#160; Liquidity risk</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc505356848"></a><a name="_Toc474142233"></a><a name="_Toc105972"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.5.1&#160;&#160;
Liquidity risk management</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Management
of liquidity and structural finance within the BBVA Group is based on the
principle of the financial autonomy of the entities that make it up. This
approach helps prevent and limit liquidity risk by reducing the Group&#8217;s
vulnerability in periods of high risk. This decentralized management avoids
possible contagion due to a crisis that could affect only one or several BBVA
Group entities, which must cover their liquidity needs independently in the
markets where they operate. Liquidity Management Units (LMUs) have been set up
for this reason in the geographical areas where the main foreign subsidiaries
operate, and also for the parent BBVA S.A.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assets and
Liabilities Management unit manages BBVA Group's liquidity and funding. It
plans and executes the funding of the long-term structural gap of each LMUs and
proposes to ALCO the actions to adopt in this regard in accordance with the
policies and limits established by the Standing Committee.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As first
core element, the Bank's target in terms of liquidity and funding risk is
characterized through the Liquidity Coverage Ratio (LCR) and the
Loan-to-Stable-Customer-Deposits (LtSCD) ratio. LCR is a regulatory measurement
aimed at ensuring entities&#8217; resistance in a scenario of liquidity stress within
a time horizon of 30 days. BBVA, within its risk appetite framework and its
limits and alerts schemes, has established a level of requirement for
compliance with the LCR ratio both for the Group as a whole and for each of the
Liquidity Management Units (LMUs) individually. The internal levels required
are geared to comply sufficiently and efficiently in advance with the
implementation of the regulatory requirement of 2018, at a level above 100%.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">LCR ratio
in Europe was applicable as from October 1, 2015. With an initial 60% minimum
requirement, progressively increased (phased-in) up to 100% in 2018. Throughout
the year 2018, LCR level at BBVA Group has been above 100%. As of December 31,
2018, the LCR ratio at Group level is 127%.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Although
this regulatory requirement is mandatory at a Group level and Eurozone banks,
all subsidiaries are above this minimum. In any case, it should be noted that
liquidity excesses in subsidiaries are not deemed transferable when calculating
the consolidated ratio. Taking into account the impact of these High Quality
Liquid Assets excluded, LCR ratio would be <a name="XBRL_CS_c0ec11f1f4ec4014bc4c5cded"></a>154%<a name="XBRL_CS_c0ec11f1f4ec4014bc4c5cded_bclEnd"></a>, which is <a name="XBRL_CS_18889cd464a14360a94a923fd"></a>+27% above the Group&#8217;s LCR<a name="XBRL_CS_18889cd464a14360a94a923fd_bclEnd"></a>.</font></font><a name="XBRL_TS_8b7a3420966e4c139c855b4e1_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_101_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.15pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LCR main LMU</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=78% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=78% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Group </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">127%</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">128%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=78% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Eurozone</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">145%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">151%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=78% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Bancomer</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">154%</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">148%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=78% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Compass(*)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">143%</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">144%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=78% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Garanti</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">209%</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">134%</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_FS_42e790f219aa4d658d358e65a"></a><a name="XBRL_TS_d8e573a0c9dc4c158640a6e28"></a><a name="XBRL_TS_402c262dcd32498eb94ab6bc6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160; Compass
LCR calculated according to local regulation (Fed Modified LCR).</font></font><a name="XBRL_FS_42e790f219aa4d658d358e65a_bclEnd"></a><a name="XBRL_TS_402c262dcd32498eb94ab6bc6_bclEnd"></a><a name="XBRL_TS_d8e573a0c9dc4c158640a6e28_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_924dcc1e1ae24c478ce865e8a"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-123</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_127"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
LtSCD measures the relation between the net loans credit investment and stable
customer deposits. The aim is to preserve a stable funding structure in the
medium term for each of the LMUs making up BBVA Group, taking into account that
maintaining an adequate volume of stable customer funds is key to achieving a
sound liquidity profile.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Stable
customer deposits are defined as the customer funds captured and managed by
business units among their target customers. These funds usually show little
sensitivity to market changes and are largely non-volatile in terms of
aggregate amounts per transaction, thanks to customer linkage to the unit.
Stable funds in each LMU are calculated by analyzing the behavior of the
balance sheets of the different customer segments identified as likely to provide
stability to the funding structure, and by prioritizing an established
relationship and applying bigger haircuts to the funding lines of less stable
customers. The main base of stable funds is composed of deposits by retail
individual customers and small businesses.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For the
purpose of establishing the (maximum) target levels for LtSCD in each LMU and
providing an optimal funding structure reference in terms of risk appetite, GRM-Structural
Risks identifies and assesses the economic and financial variables that
condition the funding structures in the various geographical areas.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
behavior of the indicators reflects that the funding structure remained robust
in 2018, 2017 and 2016, in the sense that all the LMUs maintain levels of
self-funding with stable customer funds higher than the required levels.</font></font><a name="XBRL_TS_924dcc1e1ae24c478ce865e8a_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_041_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.15pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LtSCD by LMU</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Group (average)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">106%</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">110%</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">113%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Eurozone</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">101%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">108%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">113%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=67% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Bancomer</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">114%</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">109%</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">113%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=67% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Compass</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">119%</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">109%</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">108%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=67% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Garanti</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">110%</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122%</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">124%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=67% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other LMUs</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">99%</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">108%</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">107%</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_63aa8b1a4ee54b939a09dd158"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-124</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_128"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
second core element in liquidity and funding risk management is to achieve
proper diversification of the funding structure, avoiding excessive reliance on
short-term funding and establishing a maximum level of short-term funding
comprising both wholesale funding as well as funds from less stable non-retail
customers. Regarding long-term funding, the maturity profile does not show
significant concentrations, which enables adaptation of the anticipated
issuance schedule to the best financial conditions of the markets. Finally, concentration
risk is monitored at the LMU level, with a view to ensuring the right
diversification both per counterparty and per instrument type.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The third
element promotes the short-term resilience of the liquidity risk profile,
making sure that each LMU has sufficient collateral to address the risk of
wholesale markets closing. Basic Capacity is the short-term liquidity risk
management and control metric that is defined as the relationship between the
available explicit assets and the maturities of wholesale liabilities and
volatile funds, at different terms to one year, with special relevance being
given to 30 and 90-day maturities.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Each entity
maintains an individual liquidity buffer, both Banco Bilbao Vizcaya Argentaria,
S.A. and its subsidiaries, including BBVA Compass, BBVA Bancomer, Garanti Bank
and the Latin American subsidiaries. The table below shows the liquidity
available by instrument as of December 31, 2018 and 2017 for the most
significant entities based on prudential supervisor&#8217;s information </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">(Commission
Implementing Regulations (EU) 2017/2114 of November 9, 2017)</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">:</font></font><a name="XBRL_TS_63aa8b1a4ee54b939a09dd158_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_051_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=45% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Eurozone</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Bancomer
  </font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Compass </font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Garanti Bank</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=45% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash and withdrawable central bank reserves</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,506</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,666</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,667</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,633</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,677</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=45% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Level 1 tradable
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,938</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,995</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,490</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,502</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,652</font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=45% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Level 2A tradable
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">449</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">409</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">510</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=45% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Level 2B tradable
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,040</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=45% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other tradable assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,661</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,372</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,043</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">499</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">617</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non tradable assets eligible for central banks</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,314</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cumulated
  Counterbalancing Capacity</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66,594</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,475</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,024</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,634</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,946</font></b></font></p>
  </td>
 </tr>
</table></div>



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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_053_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=45% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Eurozone
  (1)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Bancomer
  </font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Compass </font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Garanti Bank</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=45% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash and withdrawable central bank reserves</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,634</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,649</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,150</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,692</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,083</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Level 1 tradable
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,954</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,805</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,028</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,705</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,141</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Level 2A tradable
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">386</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">418</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">753</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Level 2B tradable
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,995</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other tradable assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,734</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,703</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,252</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">962</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,573</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non tradable assets eligible for central banks</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,800</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cumulated
  Counterbalancing Capacity</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66,703</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,644</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,983</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,359</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,828</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_FS_effc9b0ed19b44ba8831d27e2"></a><a name="XBRL_TS_b824a7a8f08c4e149105db86f"></a><a name="XBRL_TS_8ef3bf8a193f468ca933e9844"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(1)&#160;
Includes Spain, Portugal and Rest of Eurasia.</font></font><a name="XBRL_FS_effc9b0ed19b44ba8831d27e2_bclEnd"></a><a name="XBRL_TS_8ef3bf8a193f468ca933e9844_bclEnd"></a><a name="XBRL_TS_b824a7a8f08c4e149105db86f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b83605334f404b02b1e3ab8b3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Stress analyses are also a basic element of the
liquidity and funding risk monitoring system, as they help anticipate
deviations from the liquidity targets and limits set out in the risk appetite
as well as establish tolerance ranges at different management levels. They also
play a key role in the design of the Liquidity Contingency Plan and in defining
the specific measures for action for realigning the risk profile.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For each of the scenarios, a check is carried
out whether BBVA has sufficient liquid assets to meet the liquidity
commitments/outflows in the various periods analyzed. The analysis considers
four scenarios, one core and three crisis-related: systemic crisis; unexpected
internal crisis with a considerable rating downgrade and/or affecting the
ability to issue in wholesale markets and the perception of business risk by
the banking intermediaries and the BBVA's customers; and a mixed scenario, as a
combination of the two aforementioned scenarios. Each scenario considers the
following factors: liquidity existing on the market, customer behavior and sources
of funding, impact of rating downgrades, market values of liquid assets and
collateral, and the interaction between liquidity requirements and the
performance of the BBVA's asset quality.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The results of these stress analyses carried
out regularly reveal that BBVA has a sufficient buffer of liquid assets to deal
with the estimated liquidity outflows in a scenario such as a combination of a
systemic crisis and an unexpected internal crisis, during a period in general
longer than 3 months for LMUs, including a major downgrade in the BBVA's rating
(by up to three notches).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Beside the results of stress exercises and risk
metrics, Early Warning Indicators play an important role in the corporate model
and also in the Liquidity Contingency Plan. These are mainly financing
structure indicators, related to asset encumbrance, counterparty concentration,
outflows of customer deposits, unexpected use of credit lines, and market
indicators, which help to anticipate potential risks and capture market
expectations.</font></font><a name="XBRL_TS_b83605334f404b02b1e3ab8b3_bclEnd"></a></p>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_7a950764a9e14076a2efd4dac"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-126</font></font><font style="border:none;mso-bidi-font-family:Arial;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_130"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Below is a matrix
of residual maturities by contractual periods based on supervisory prudential
reporting as of December 31, 2018, 2017 and 2016:</font></font><a name="XBRL_TS_7a950764a9e14076a2efd4dac_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_061dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.75pt;">
  <td colspan=12 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2018. Contractual Maturities (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td nowrap width=30% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand </font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Up to 1 Month</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 3 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 6 Months</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6 to 9 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9 to 12
  Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 2 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 to 3 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 5 Years </font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 5 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=30% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td valign=bottom width=30% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,550</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,599</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50,149</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=30% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits in credit entities</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">801</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,211</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">216</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">141</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">152</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">133</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">178</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,269</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,211</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=30% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deposits in other financial institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,408</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">750</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">664</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">647</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">375</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,724</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">896</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,286</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,764</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,515</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=30% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Reverse repo, securities borrowing and margin lending</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,266</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,655</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,158</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">805</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">498</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">205</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,352</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">390</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">210</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,539</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=30% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and Advances</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">132</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,825</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,939</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,265</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,347</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,433</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,100</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,336</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,386</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">120,571</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">349,334</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=30% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Securities' portfolio
  settlement</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,875</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,379</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,990</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,148</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,823</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,592</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,423</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,533</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,738</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96,501</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_062dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=12 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2018. Contractual Maturities (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:20.45pt;">
  <td nowrap width=30% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand </font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Up to 1 Month</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 3 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 6 Months</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6 to 9 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9 to 12
  Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 2 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 to 3 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 5 Years </font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 5 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=30% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=30% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Wholesale funding</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,678</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,652</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,160</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,425</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,736</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,225</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,578</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,040</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,363</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69,858</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td valign=bottom width=30% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits in financial
  institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,107</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,599</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">751</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,992</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">377</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,240</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,149</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">229</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">196</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">904</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,544</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td valign=bottom width=30% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deposits in other financial institutions and international agencies</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,680</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,327</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,580</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">458</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">302</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">309</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">781</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">304</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">825</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,692</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,258</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td valign=bottom width=30% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Customer deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">252,630</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44,866</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,514</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,625</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,217</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,345</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,667</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,137</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,207</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,310</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">350,518</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td valign=bottom width=30% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Security pledge
  funding</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46,489</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,219</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,274</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">114</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">97</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,911</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">526</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">218</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,627</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">76,515</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td valign=bottom width=30% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives, net</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(75)</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(523)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(68)</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(117)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">498</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(91)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(67)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(392)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(840)</font></b></font></p>
  </td>
 </tr>
</table></div>



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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-127</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_063_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=12 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2017. Contractual Maturities (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:61.5pt;">
  <td width=30% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand </font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Up to 1 Month</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 3 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 6 Months</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6 to 9 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9 to 12
  Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 2 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 to 3 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 5 Years </font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 5 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=30% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td valign=bottom width=30% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,179</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,029</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39,208</font></b></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td valign=bottom width=30% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits in credit
  entities</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">252</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,391</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">181</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">169</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">120</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">112</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">157</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,868</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,488</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=30% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deposits in other financial institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">939</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">758</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">796</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">628</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">447</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,029</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">681</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">806</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,975</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,060</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td valign=bottom width=30% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Reverse repo, securities borrowing and margin lending</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,979</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,689</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,921</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">541</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">426</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">815</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">727</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">226</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,354</font></b></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td valign=bottom width=30% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and Advances</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">267</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,203</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,323</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,606</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,380</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,516</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43,973</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,383</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50,809</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">123,568</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">358,028</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=30% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Securities' portfolio
  settlement</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,579</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,159</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,423</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,380</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,391</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,789</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,289</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,070</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44,666</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">99,747</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;"></font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_064_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=12 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2017. Contractual Maturities (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:52.5pt;">
  <td width=30% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand </font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Up to 1 Month</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 3 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 6 Months</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6 to 9 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9 to 12
  Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 2 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 to 3 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 5 Years </font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 5 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=30% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Wholesale funding</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,648</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,209</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,238</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,227</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,456</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,772</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,432</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,391</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,162</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">76,535</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits in financial
  institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,831</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,863</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,082</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,335</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">392</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,714</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">930</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">765</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">171</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,429</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,512</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deposits in other financial institutions and international agencies</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,700</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,827</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,290</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,959</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">554</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,328</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">963</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">286</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">355</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,045</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,307</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Customer deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">233,068</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45,171</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,616</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,428</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,711</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,368</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,607</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,612</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,833</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,034</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">341,448</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Security pledge
  funding</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,502</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,284</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,405</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">396</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">973</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,009</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">338</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,697</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">65,668</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives, net</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(110)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(116)</font></font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(135)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(117)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(336)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(91)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(106)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(419)</font></font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,448)</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_132"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_065_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=12 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2016. Contractual Maturities (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:61.5pt;">
  <td width=30% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand </font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Up to 1 Month</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 3 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 6 Months</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6 to 9 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9 to 12
  Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 2 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 to 3 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 5 Years </font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 5 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:61.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=30% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,191</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,825</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37,016</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits in credit
  entities</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">991</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,068</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">254</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">155</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">72</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">117</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,087</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,002</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deposits in other financial institutions</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,192</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">967</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">675</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">714</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">532</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,330</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">918</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">942</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">336</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,608</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Reverse repo, securities borrowing and margin lending</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,232</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">544</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">523</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">428</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">500</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">286</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">124</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">189</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,826</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and Advances</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">591</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,272</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,990</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,318</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,212</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,613</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44,956</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,093</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55,561</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">133,589</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">370,195</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=30% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Securities' portfolio
  settlement</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">708</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,566</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,688</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,301</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,312</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,320</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,010</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,662</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51,472</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">112,039</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_066_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=12 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2016. Contractual Maturities (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:52.5pt;">
  <td width=30% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand </font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Up to 1 Month</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 3 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 6 Months</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6 to 9 Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9 to 12
  Months</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 2 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 to 3 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 5 Years </font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 5 Years</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:52.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=30% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=30% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Wholesale funding</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">419</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,380</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,943</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,547</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,463</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,967</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,825</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,963</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,016</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,875</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">85,397</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits in financial
  institutions</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,762</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,365</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,181</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,104</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">800</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,176</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">746</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,156</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">859</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,714</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,862</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deposits in other financial institutions and international agencies</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,375</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,542</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,624</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,382</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,566</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,897</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,340</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">686</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">875</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,825</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44,114</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Customer deposits</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">206,140</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49,053</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,522</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,736</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,863</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,343</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,619</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,060</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">781</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">936</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">335,052</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Security pledge
  funding</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,153</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,561</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,403</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,004</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">912</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,281</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">640</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,959</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,712</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">72,626</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=30% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives, net</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,123)</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(95)</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(190)</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(111)</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(326)</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(132)</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(82)</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(105)</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(47)</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3,210)</font></b></font></p>
  </td>
 </tr>
</table></div>










<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_768d0f55ec4c432eae8a7921b"></a><a name="XBRL_CS_a440082872c641e2a40580e3f"></a><a name="XBRL_CS_ac0d4520278840df9f5759239"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-129</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_133"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The matrix shows
the retail nature of the funding structure, with a loan portfolio being mostly
funded by customer deposits (66%). On the outflows side of the matrix, the
&#8220;demand&#8221; maturity bucket mainly contains the retail customer sight accounts
whose behavior historically showed a high level of stability and little
concentration. According to a behavior analysis which is done every year in
every entity, this type of account is considered to be stable and for liquidity
risk purposes, it is estimated that 78% have a maturity of more than 5 years.</font></font><a name="XBRL_CS_a440082872c641e2a40580e3f_bclEnd"></a><a name="XBRL_CS_ac0d4520278840df9f5759239_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_CS_05f9e15593e547c191ca742c2"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the Euro Liquidity Management Unit (LMU),
solid liquidity and funding situation, where activity has continued to generate
liquidity through the decrease of Credit Gap</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition,
during 2018 the Euro LMU made 3 issues in the public market for &#8364;<a name="XBRL_CS_c04cdea624eb4d7382cbcc8e2"></a>3,500<a name="XBRL_CS_c04cdea624eb4d7382cbcc8e2_bclEnd"></a> million; </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Senior
Non Preferred (&#8220;SNP&#8221;) at 5 years for &#8364;<a name="XBRL_CS_0414dda3d25e4479bd4f81419"></a>1,500<a name="XBRL_CS_0414dda3d25e4479bd4f81419_bclEnd"></a> million, Green bond SNP at
7 years for &#8364;<a name="XBRL_CS_c32d2c420ce64f29ad14ce136"></a>1,000<a name="XBRL_CS_c32d2c420ce64f29ad14ce136_bclEnd"></a> million and AT1 for &#8364;<a name="XBRL_CS_3b0c5063c4f5410ab9ff28624"></a>1,000<a name="XBRL_CS_3b0c5063c4f5410ab9ff28624_bclEnd"></a> million, which</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> have allowed it
to obtain long-term funding at favorable price conditions. These public
operations</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> have been complemented by a private issue T2 for USD <a name="XBRL_CS_67a624d40aab4252879cdcbc3"></a>300<a name="XBRL_CS_67a624d40aab4252879cdcbc3_bclEnd"></a> million.</font></font><a name="XBRL_CS_05f9e15593e547c191ca742c2_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_CS_017c6c6ab382441b82f9ba74c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In Mexico, sound liquidity position despite the
market volatility, the Credit Gap has increased in 2018 due to a minor increase
in deposits mainly because of the outflows of non-profitable USD deposits.
During the financial year 2018, BBVA Bancomer made a local Tier II issuance on
international markets for USD </font></font><a name="XBRL_CS_9d24940796c54352861a9a515"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">1,000</font></font><a name="XBRL_CS_9d24940796c54352861a9a515_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> million as well as an
issuance on the local market for <a name="XBRL_CS_dde506963c1c4790947e65016"></a>7,000<a name="XBRL_CS_dde506963c1c4790947e65016_bclEnd"></a> million of Mexican pesos
in 2 tranches: at 3 and 5 years, being the 3 years tranche the first Green Bond
issued by a private bank.</font></font><a name="XBRL_CS_017c6c6ab382441b82f9ba74c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_CS_56943bd8139a4fa48f2610fb7"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the United States, the
containment of the cost of liabilities has led to a slightly increase in the
credit gap. During the financial year 2018, BBVA Compass successfully issued 3
year senior debt for USD </font></font><a name="XBRL_CS_50c5cc7e619a40cdbcde6e70c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">1,150</font></font><a name="XBRL_CS_50c5cc7e619a40cdbcde6e70c_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> million.</font></font><a name="XBRL_CS_56943bd8139a4fa48f2610fb7_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_CS_08f66844f57c44989c88a48a5"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In Turkey an adequate
liquidity situation is maintained, after having been affected by the currency
volatility at the beginning of the second semester. Despite this, Garanti
showed a good performance with the roll-over of the 2018 maturities of
corporate funding. The main operations during the year were two syndicated
loans for USD </font></font><a name="XBRL_CS_e4bf01ceed7d45e08884b4ae1"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">2,300</font></font><a name="XBRL_CS_e4bf01ceed7d45e08884b4ae1_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> million,
the first Green Bond at 6 years for USD <a name="XBRL_CS_84d73987e3f2491ba05269d82"></a>75<a name="XBRL_CS_84d73987e3f2491ba05269d82_bclEnd"></a> million and </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">future flows
securitization</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> (Diversified Payment Rights) for USD <a name="XBRL_CS_5d4caa1b16bc43dfa926f6c8f"></a>375<a name="XBRL_CS_5d4caa1b16bc43dfa926f6c8f_bclEnd"></a> million at 7 years.</font></font><a name="XBRL_CS_08f66844f57c44989c88a48a5_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Argentina
was affected by the market volatility but no relevant impact on the liquidity
situation of the entity has been noted. BBVA Franc&#233;s maintains a solid
liquidity situation distinguished by a major volume of cash reserves.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The liquidity position of the rest of
subsidiaries has continued to be sound, maintaining a solid liquidity position
in all the jurisdictions in which the Group operates. Access to capital markets
of these subsidiaries has also been maintained with recurring issuances in the
local market.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In this context, BBVA has maintained its
objective of strengthening the funding structure of the different Group
entities based on growing their self-funding from stable customer funds, while
guaranteeing a sufficient buffer of fully available liquid assets, diversifying
the various sources of funding available, and optimizing the generation of
collateral available for dealing with stress situations in the markets.</font></font><a name="XBRL_TS_768d0f55ec4c432eae8a7921b_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_156b4a4e5d514a3fa0623dc42"></a><a name="_Toc474142234"></a><a name="_Toc505356849"></a><a name="_Toc105973"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-130</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_134"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">7.5.2&#160;&#160; Asset encumbrance</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016, the
encumbered (those provided as collateral for certain liabilities) and
unencumbered assets are broken down as follows:</font></font><a name="XBRL_TS_156b4a4e5d514a3fa0623dc42_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_071dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=34% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Encumbered
  assets</font></b></font></p>
  </td>
 <td colspan=2 width=32% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-Encumbered
  assets</font></b></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Book value of Encumbered assets</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Market value of Encumbered assets</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Book value of non-encumbered assets</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Market value of non-encumbered assets</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=34% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,864</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,864</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,485</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,485</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt Securities</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,157</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,216</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82,209</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82,209</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and Advances and other assets</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">74,928</font></font></p>
  </td>
 <td nowrap width=17% style="background:#A6A6A6;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">478,880</font></font></p>
  </td>
 <td nowrap width=16% style="background:#A6A6A6;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_072_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=30% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=36% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Encumbered
  assets</font></b></font></p>
  </td>
 <td colspan=2 width=34% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-Encumbered
  assets</font></b></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=30% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Book value of Encumbered assets</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Market value of Encumbered assets</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Book value of non-encumbered assets</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Market value of non-encumbered assets</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="background:white;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="background:white;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="background:white;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="background:white;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=30% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,297</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,297</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,616</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,616</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=30% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt Securities</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,700</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,798</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84,391</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84,391</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=30% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and Advances and other assets</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">79,604</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="background:#A6A6A6;height:12.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">485,451</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="background:#A6A6A6;height:12.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_073_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=34% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Encumbered
  assets</font></b></font></p>
  </td>
 <td colspan=2 width=32% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-Encumbered
  assets</font></b></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Book value of Encumbered assets</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Market value of Encumbered assets</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Book value of non-encumbered assets</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Market value of non-encumbered assets</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=34% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,214</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,214</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,022</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,022</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt Securities</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,114</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39,972</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90,679</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90,679</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and Advances and other assets</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">94,718</font></font></p>
  </td>
 <td nowrap width=17% style="background:#A6A6A6;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">495,109</font></font></p>
  </td>
 <td nowrap width=16% style="background:#A6A6A6;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_473365b47cc542849475aafbc"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-131</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_135"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
committed value of &quot;Loans and Advances and other assets&quot; corresponds
mainly to loans linked to the issue of covered bonds, territorial bonds or
long-term securitized bonds (see Note 22.3) as well as those used as a
guarantee to access certain funding transactions with central banks. Debt
securities and equity instruments correspond to underlying that are delivered
in repos with different types of counterparties, mainly clearing houses or
credit institutions, and to a lesser extent central banks. Collateral provided
to guarantee derivative transactions is also included as committed assets.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016,
collateral pledge mainly due to repurchase agreements and securities lending,
and those which could be committed in order to obtain funding are provided
below:</font></font><a name="XBRL_TS_473365b47cc542849475aafbc_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_081dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2018. Collateral received (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:72.75pt;">
  <td nowrap width=46% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair value of encumbered collateral received or own debt
  securities issued</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair value of collateral received or own debt securities issued
  available for encumbrance</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Nominal amount of collateral received or own debt securities
  issued not available for encumbrance</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Collateral
  received</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,474</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,633</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">319</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=46% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">89</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=46% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,385</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,542</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">300</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and Advances and other assets</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Own debt securities issued other than own covered bonds or ABSs</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_082_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2017. Collateral received (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:72.75pt;">
  <td nowrap width=46% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair value of encumbered collateral received or own debt
  securities issued</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair value of collateral received or own debt securities issued
  available for encumbrance</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Nominal amount of collateral received or own debt securities
  issued not available for encumbrance</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Collateral
  received</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,881</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,630</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">201</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=46% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">103</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=46% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,715</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,619</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">121</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and Advances and other assets</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">80</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Own debt securities issued other than own covered bonds or ABSs</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">161</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_083_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2016. Collateral received (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:72.75pt;">
  <td width=50% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair value of encumbered collateral received or own debt
  securities issued</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair value of collateral received or own debt securities issued
  available for encumbrance</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:72.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Nominal amount of collateral received or own debt securities
  issued not available for encumbrance</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Collateral
  received</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,921</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,039</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">173</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=50% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=50% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,863</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,230</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and Advances and other assets</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,750</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">144</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Own debt securities issued other than own covered bonds or ABSs</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_bbf5641a5d97466e92f029dcd"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-132</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_136"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The guarantees
received in the form of reverse repurchase agreements or security lending
transactions are committed by their use in repurchase agreements, as is the
case with debt securities.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="Nota_8"></a><a name="_Toc341276318"></a><a name="Nota_8_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018,
2017 and 2016, financial liabilities issued related to encumbered assets in
financial transactions as well as their book value were as follows</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">:</font></font><a name="XBRL_TS_bbf5641a5d97466e92f029dcd_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_091dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2018. Sources of encumbrance (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:101.25pt;">
  <td nowrap width=62% style="border:none;border-bottom:solid black 1.0pt;height:101.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:101.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Matching liabilities, contingent liabilities or securities lent</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:101.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Assets, collateral received and own</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">debt securities issued other than covered bonds and ABSs
  encumbered</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=62% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Book value of financial liabilities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">113,498</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">131,172</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=62% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,972</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,036</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=62% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and Advances</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">85,989</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">97,361</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=62% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Outstanding
  subordinated debt</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,538</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,775</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=62% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other sources</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,972</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,330</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_092_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2017. Sources of encumbrance (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:30.6pt;">
  <td nowrap width=62% style="border:none;border-bottom:solid black 1.0pt;height:30.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:30.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Matching liabilities, contingent liabilities or securities lent</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:30.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Assets, collateral received and own</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">debt securities issued other than covered bonds and ABSs
  encumbered</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=62% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Book value of financial liabilities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">118,704</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">133,312</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=62% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,843</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,103</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=62% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and Advances</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87,484</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98,478</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=62% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Outstanding
  subordinated debt</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,377</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,732</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=62% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other sources</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">305</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,028</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.5_093_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2016. Sources of encumbrance (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:40.5pt;">
  <td width=66% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Matching liabilities, contingent liabilities or securities lent</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Assets, collateral received and own</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">debt securities issued other than covered bonds and ABSs
  encumbered</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=66% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Book value of financial liabilities</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">134,387</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">153,632</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=66% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,304</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,794</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=66% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and Advances</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96,137</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">108,268</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=66% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Outstanding
  subordinated debt</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,946</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,569</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=66% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other sources</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,594</font></b></font></p>
  </td>
 </tr>
</table></div>



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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-133</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">7.6&#160;&#160;&#160; Operational Risk</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA defines operational risk
(&#8220;OR&#8221;) as any risk that could result in losses caused by human errors,
inadequate or faulty internal processes, misconduct with clients or in the
markets, failures, disruptions or deficiencies of systems or communications,
inadequate data management, legal risks and, lastly, from external events,
including cyberattacks, frauds committed by third parties, disasters and an
unsatisfactory service provided by suppliers.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Operational risk management is
oriented towards the identification of the root causes to avoid their
occurrence and mitigate possible consequences. This is carried out through the
establishment of mitigation plans and control frameworks aimed at minimizing
resulting losses and their impact on the recurrent generation of income and the
profit of the Group. Operational risk management is integrated into the global
risk management structure of the BBVA Group.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This section addresses general
aspects of operational risk management as the main component of non-financial
risks. However, sections devoted to conduct and compliance risk and to
cybersecurity risk management are also included in this report.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Operational Risk
Management Principles</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The BBVA Group is committed to
preferably applying advanced operational risk management models, regardless of
the capital calculation regulatory model applicable at the time. Operational
risk management at the BBVA Group shall:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Be in </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">line</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> with the Risk Appetite Framework approved by
BBVA's Board of Directors.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Meet BBVA&#8217;s management needs arising from compliance with rules,
regulation, industry standards and from decisions or positions taken by the
governing bodies of the Group.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Predict potential operational risks to which the Group shall be
exposed as a result of the emergence or changes on new products, activities,
processes or systems and services procurement or outsourcing decisions; and
establish mechanisms to achieve a reasonable assessment and mitigation before
implementation, in addition to a regular review on all existing processes.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Establish methodologies, procedures and indicators to regularly
reassess the relevant operational risks to which the Group is exposed to
implement the most appropriate mitigation measures in each case, once the
identified risk and the mitigation cost have been considered (cost-benefit
analysis) and preserving the solvency of the Group at all times.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Seek the causes behind the operational events suffered by the
Group and establish the appropriate redressing measures (always considering the
cost-benefit analysis). To that end, procedures for analyzing operational
events must be in place, in addition to mechanisms to capture the potential
operational losses resulting from those events.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Analyze the public events with significant operational risk in
other entities and to promote, if applicable, the implementation of the
appropriate measures to avoid its occurrence in the Group.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Identify, analyze and try to quantify events with a low
probability of occurrence and a high impact that, due to their exceptional
nature, may not be included in the loss database or, if included, with not
highly representative impacts, in order to assess possible mitigation measures.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Have an effective governance on which the functions and
responsibilities of the Areas and Bodies intervening in OR management are
clearly defined.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Irrespective of the implementation
of all the possible measures and controls designed to avoid or mitigate the
frequency and severity of OR events, BBVA ensures at all times the capital
required to face potential expected or unexpected losses.</font></font><a name="XBRL_TS_ed29057d5fc04f93adb373a84_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_c3e0b87ecfb04034a4d666ce6"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-134</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Operational risk
control and management model</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The operational risk management cycle at BBVA is similar to the one
implemented for the rest of risks. Its elements are:</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Planning</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Operational risk forms part of the risk appetite framework of the Group
and includes three types of metrics: </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Economic capital calculated with the operational losses database
of the Group and the industry, considering the corresponding diversification
effects and the additional estimation of potential and emerging risks through
stress scenarios designed for the main types of risks. The economic capital is
regularly calculated for the main banks of the group and simulation
capabilities are available to anticipate the impact of changes on the risk
profile or new potential events.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">IRO metrics (operational risk losses vs. gross income) broken down
by geography, business area and type of risk.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">work</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> is in progress on the
implementation in the entire group of a common and more granular scheme of
metrics that covers the main types of operational risks.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Operational risk admission</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The main purposes of the operational risk
admission phase are the following:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Anticipate potential operational risks to which the Group would be
exposed with the emergence of </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">new</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> initiatives (new business,
product, outsourcing, process transformation, new systems, etc.) or changes in
those initiatives in place.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Ensure</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> that the implementation is carried out once the appropriate
mitigation measures have been adopted, among others risk insurance, where
appropriate.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Corporate Policy on Operational Risk
Management and Control sets out the specific operational risk admission
framework through different committees, at a corporate and Business Area level,
that follow a delegation structure based on the risk level of proposed initiatives.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Operational risk monitoring</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The purpose of this phase is to check that the
target operational risk profile of the group is within the authorized limits.
Operational risk monitoring considers 2 scopes:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Monitoring the operational risk admission process, oriented
towards checking that accepted risks </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">levels</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> are within the limits and
that defined controls are effective.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Monitoring the operational risk &#8220;stock&#8221; linked to the processes,
in order to carry out a regular </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">reassessment</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> to confirm that
residual risks and target risk are reasonably aligned and, if not, to implement
action plans to redress gaps to the desired level.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This process is supported by a
corporate Governance, Risk &amp; Compliance tool that monitors OR at a local
level and its aggregation at a corporate level.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, and in line with the
best practices and recommendations provided by the BIS, BBVA has procedures to
collect the operational losses occurred in the different entities of the Group
and in other financial groups, with the appropriate level of detail to carry
out an effective analysis that provides useful information for management
purposes. To that end, a corporate tool implemented in all the countries of the
Group is used.</font></font><a name="XBRL_TS_c3e0b87ecfb04034a4d666ce6_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-135</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Operational risk
mitigation</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Several cross-sectional operational risk plans
have been promoted over the last two years for the entire BBVA Group to
encourage a forward-looking management of these risks. To that end, focuses
have been identified from events, self-assessments and recommendations from
auditors and supervisors in different geographies, both in the Group and the
industry, thereby analyzing the best practices and fostering comprehensive
action plans to strengthen and standardize the control environment.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">One of the core plans is outsourcing
management, which is an increasingly important subject in the Group, the
industry and the regulatory environment. Some of the different initiatives
launched under this scheme are summarized below:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Strengthening</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> the admission process of these initiatives and their control and
monitoring frameworks.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">New</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> internal regulation comprising the best practices of the
industry.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Integration</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> in the 3 lines of defense control model: roles and
responsibilities in each phase of its life cycle.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">management</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> of the service and the
supplier.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Review</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> of its governance process, which is included in operational risk
governance, and escalation criteria.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Adaptation</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> of the management tool to the new requirements.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Internal communication process and training between outsourcing
units and senior management, including </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">these</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> issues on the
agenda of the main control committees of the Group.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This plan will still be promoted in the year
2019 with a focus on a review of the most significant outsourcing stock.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Governance of Non-financial
risks</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The non-financial risks governance model at the
BBVA Group is based on two components:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">three</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> lines of defense control model, in accordance
with the best practices of the industry and through which compliance with the
most advanced standards in terms of operational risk internal control is
ensured.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Scheme</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> of Corporate Assurance Committees and Operational Risk and
Internal Control Committees at the level of the different business areas.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Corporate Assurance establishes a structure of
corporate and local committees that provides Senior </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Management
with a comprehensive and consistent view of the most relevant non-financial
risks. The purpose</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> is to ensure a forward-looking and prompt decision-making process
for the mitigation or taking of the major risks both at a local level and at
the level of the consolidated Group.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, the Non-Financial Risks unit
periodically reports the Risk Committee of the Board on the situation of
non-financial risks management in the Group.</font></font><a name="XBRL_TS_851f885b78694a2d823a5d41b_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">7.7&#160;&#160;&#160; Risk concentration</font></b></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Policies for
preventing excessive risk concentration </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In order to prevent the build-up of excessive risk concentrations
at the individual, sector and portfolio levels, BBVA Group maintains updated
maximum permitted risk concentration indices which are tied to the various
observable variables related to concentration risk</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Together with the limits for
individual concentration, the Group uses the Herfindahl index to measure the
concentration of the Group's portfolio and the banking group's subsidiaries. At
the BBVA Group level, the index reached implies a &quot;very low&quot; degree
of concentration.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The limit on the Group&#8217;s exposure
or financial commitment to a specific customer therefore depends on the
customer&#8217;s credit rating, the nature of the risks involved, and the Group&#8217;s
presence in a given market, based on the following guidelines:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The aim is, as much as possible, to reconcile the customer's
credit needs (commercial/financial, short-term/long-term, etc.) with the
interests of the Group.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Any legal limits that may exist concerning risk concentration are
taken into account (relationship between risks with a customer and the capital
of the shareholder&#180;s entity that assumes them), the markets, the macroeconomic
situation, etc.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Risk concentrations
by geography</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the main figures
in the most significant foreign currencies in the accompanying consolidated
balance sheets is set forth in Appendix IX.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Sovereign risk
concentration </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Sovereign risk
management</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The risk associated with the
transactions involving sovereign risk is identified, measured, controlled and
tracked by a centralized unit integrated in the BBVA Group&#8217;s Risk Area. Its
basic functions involve the preparation of reports in the countries where
sovereign risk exists (called &#8220;financial programs&#8221;), tracking such risks,
assigning ratings to these countries and, in general, supporting the Group in
terms of reporting requirements for any transactions involving sovereign risk.
The risk policies established in the financial programs are approved by the
relevant risk committees.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The country risk unit tracks the
evolution of the risks associated with the various countries to which the Group
are exposed (including sovereign risk) on an ongoing basis in order to adapt
its risk and mitigation policies to any macroeconomic and political changes
that may occur. Moreover, it regularly updates its internal ratings and
forecasts for these countries. The methodology is based on the assessment of
quantitative and qualitative parameters which are in line with those used by
certain multilateral organizations such as the International Monetary Fund
(IMF) and the World Bank, rating agencies and export credit organizations.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For additional information on
sovereign risk in Europe see Appendix IX.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Valuation and
impairment methods</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The valuation methods used to
assess the instruments that are subject to sovereign risks are the same ones
used for other instruments included in the relevant portfolios and are detailed
in Note 8.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Specifically, the fair value of
sovereign debt securities of European countries has been considered equivalent
to their listed price in active markets (Level 1 as defined in Note 8).</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Risk related to
the developer and Real-Estate sector in Spain</font></b></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The relative
weight of the investment in Real Estate developments has dramatically decreased
during the last years, especially since 2014. A corporate sales policy has been
rolled out to eliminate those real estate assets from the balance sheet which
have been most difficult to be commercialized. The sales of 80% of the Group&#8217;s
share in Divarian and of other performing and NPL wholesale portfolios to Funds
and specialized investors have been some of the most relevant transactions (see
Note 3).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Policies and
strategies established by the Group to deal with risks related to the developer
and real-estate sector</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA has teams specializing in the
management of the Real-Estate Sector risk, given its economic importance and
specific technical component. This specialization is not only in the
Risk-Acceptance teams, but throughout the handling, commercial, problem risks
and legal, etc. It also includes the research department of the BBVA Group
(BBVA Research), which helps determine the medium/long-term vision needed to
manage this portfolio.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The policies established to address the risks related to the developer
and real-estate sector, aim to accomplish, among others, the following
objectives: to avoid concentration in terms of customers, products and regions;
to estimate the risk profile for the portfolio; and to anticipate possible
worsening of the portfolio within a sector is highly cyclic</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Specific policies
for analysis and admission of new developer risk transactions</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the analysis of new operations,
the assessment of the commercial operation in terms of the economic and
financial viability of the project has been one of the constant.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The monitoring of the work, the
sales and the legal situation of the project are essential aspects for the
admission and follow-up of new real estate operations. With regard the
participation of the Risk Acceptance teams, they have a direct link and
participate in the committees of areas such as Valuation, Legal, Research and
Recoveries. This guarantees coordination and exchange of information in all the
processes.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The following strategies have been implemented with customers in
the developer sector: avoidance of large corporate transactions, which had
already reduced their share in the years of greatest market growth.
Additionally, very restrictive limits have been established for the second-home
market and for the of land operations. Feasibility studies, at project level,
are performed by doing a contrast analysis in the pre-commercialization phase,
with an appropriate funding cycle and in locations with low commercialization
risk</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Risk monitoring policies</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The base information for analyzing
the real estate portfolios is updated monthly. The tools used include the
so-called &#8220;watch-list&#8221;, which is updated monthly with the progress of each
client under watch, and the different strategic plans for management of special
groups. There are plans that involve an intensification of the review of the
portfolio for financing land, while, in the case of ongoing promotions, they
are classified based on the rate of progress of the projects. This implies a
comparison of the progress of the work and the sales, including a scoreboard
which enables the persons in charge to detect timely any deviation from the
project&#8217;s initial plan.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These actions have enabled BBVA to
identify possible impairment situations, by always keeping an eye on BBVA&#8217;s position
with each customer (whether or not as first creditor). In this regard, key
aspects include management of the risk policy to be followed with each
customer, contract review, improved collateral and rate review (repricing.
Since 2013, </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">there are no threats of new defaults in the portfolio</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Proper management of the
relationship with each customer requires knowledge of various aspects such as
an analysis of the company&#8217;s future viability, the updating of the information
on the debtor and the guarantors (their current situation and business course,
economic-financial information, debt analysis and generation of funds), and the
updating of the appraisal of the assets offered as collateral.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The volume of restructurings during
the last period has been very low, being close to 0.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Policies applied
in the management of real estate assets in Spain</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Regarding the financing of real estate, a new
regulation has been updated in 2018 in which recommendations for the promotion
of residential real estate are established.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The recommendations represent guidelines about
how to manage the credit admission activity of BBVA Group entities based on
best practices of markets in which this activity is performed. It is expected
that a high percentage of the current transactions will be in compliance with
the latter.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The guidelines apply to new transactions with clients
which are not classified as impaired or Watchlist (WL1 or WL2).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The policies deriving from the guidelines
foresee a prudential intervention in a market which has changed its cycle in
almost all of the geographies and which is showing a more sustainable behavior
in terms of demography, employment and economic and investment capacities.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For quantitative information about the risk
related to the developer and Real-Estate sector in Spain see Appendix IX.</font></font><a name="XBRL_TS_60f178959a4e4d6784dcac9a5_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_a1087a3c6a9a40c1817158c06"></a><a name="_Toc105976"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;layout-grid-mode:char;">8.&#160;&#160;&#160; Fair Value
of financial instruments</font></b></font><a name="XBRL_TS_a1087a3c6a9a40c1817158c06_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_4f8a18f7ce9b4d98ab873e569"></a><a name="_Toc105977"></a><font color=#004580 style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Framework and processes control</font></b></font><a name="XBRL_TS_4f8a18f7ce9b4d98ab873e569_bclEnd"></a><font color=#004580 style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_63302fc57bd84b148f295052c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As part of the process established in the Group
for determining the fair value in order to ensure that financial assets and
liabilities are properly valued, BBVA has established, at a geographic level, a
structure of Risk Operational Admission and Product Governance Committees
responsible for validating and approving new products or types of financial
assets and liabilities before being contracted. Local management responsible for
valuation, which are independent from the business (see Note 7) are members of
these committees.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">These
areas are required to ensure, prior to the approval stage, the existence of not
only technical and human resources, but also adequate informational sources to
measure the fair value of these financial assets and liabilities, in accordance
with the rules established by the Group and using models that have been
validated and approved by the responsible areas.</font></font><a name="XBRL_TS_63302fc57bd84b148f295052c_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_320ed3c17ebf484d95519bd40"></a><a name="_Toc105978"></a><font color=#004580 style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Fair value hierarchy</font></b></font><a name="XBRL_TS_320ed3c17ebf484d95519bd40_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c1a0901437e04718b54a1fcbe"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
fair value of financial instrument is defined as the price that would be
received to sell an asset or paid to transfer a liability in an orderly
transaction between market participants at the measurement date. It is
therefore a market-based measurement and not specific to each entity.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All
financial instruments, both assets and liabilities are initially recognized at
fair value, which at that point is equivalent to the transaction price, unless
there is evidence to the contrary in the market. Subsequently, depending on the
type of financial instrument, it may continue to be recognized at amortized
cost or fair value through adjustments in the consolidated income statement or
equity.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">When
possible, the fair value is determined as the market price of a financial
instrument. However, for many of the financial assets and liabilities of the
Group, especially in the case of derivatives, there is no market price available,
so its fair value is estimated on the basis of the price established in recent
transactions involving similar instruments or, in the absence thereof, by using
mathematical measurement models that are sufficiently tried and trusted by the
international financial community. The estimates of the fair value derived from
the use of such models take into consideration the specific features of the
asset or liability to be measured and, in particular, the various types of risk
associated with the asset or liability. However, the limitations inherent in
the measurement models and possible inaccuracies in the assumptions and
parameters required by these models may mean that the estimated fair value of
an asset or liability does not exactly match the price for which the asset or
liability could be exchanged or settled on the date of its measurement.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additionally,
for financial assets and liabilities that show significant uncertainty in
inputs or model parameters used for valuation, criteria is established to
measure said uncertainty and activity limits are set based on these. Finally,
these measurements are compared, as much as possible, against other sources
such as the measurements obtained by the business teams or those obtained by
other market participants.</font></font><a name="XBRL_TS_c1a0901437e04718b54a1fcbe_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_979849f46e7f49239eb4c65ab"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
process for determining the fair value requires the classification of the
financial assets and liabilities according to the measurement processes used as
set forth below:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Level 1: Valuation using
directly the quotation of the instrument, observable and readily and regularly available
from independent price sources and referenced to active markets that the entity
can access at the measurement date. The instruments classified within this
level are fixed-income securities, equity instruments and certain derivatives. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Level 2: Valuation of
financial instruments with commonly accepted techniques that use inputs
obtained from observable data in markets.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-140</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_144"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Level 3: Valuation of
financial instruments with valuation techniques that use significant
unobservable inputs in the market. As of December 31, 2018, the affected
instruments at fair value accounted for approximately 0.56% of financial assets
and 0.46% of the Group&#8217;s financial liabilities recorded at fair value. Model
selection and validation is undertaken by control areas outside the business
areas.</font></font><a name="XBRL_TS_979849f46e7f49239eb4c65ab_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_3d9ca81d5e1d4615be0fb9f62"></a><a name="_Toc105979"></a><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">8.1&#160;&#160; Fair value of
financial instrument</font></b></font><a name="XBRL_TS_3d9ca81d5e1d4615be0fb9f62_bclEnd"></a><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_0cdcec3059164f6aa088a16d1"></a><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Below
is a comparison of the carrying amount of the Group&#8217;s financial instruments in
the accompanying consolidated balance sheets and their respective fair values.</font></font><a name="XBRL_TS_0cdcec3059164f6aa088a16d1_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_8.1_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:9.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair Value and Carrying Amount (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=67% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Carrying
  Amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Fair Value</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td width=67% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">58,196</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">58,196</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">90,117</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">90,117</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=67% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Non-trading financial assets mandatorily at fair value through profit
  or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,135</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,135</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td nowrap width=67% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,313</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,313</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td nowrap width=67% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">56,337</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">56,337</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets at amortized cost</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">419,660</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">419,857</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Hedging derivatives </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,892</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,892</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities held for trading </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">80,774</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">80,774</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=67% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities designated at fair value through profit or loss </font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,993</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,993</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=67% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities at amortized cost </font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">509,185</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">510,300</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=67% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Hedging derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,680</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,680</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_8.1_0017016_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:9.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair Value and Carrying Amount (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=45% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=45% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Carrying
  Amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Fair Value</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Carrying
  Amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Fair Value</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=45% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td width=45% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42,680</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42,680</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">40,039</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">40,039</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">64,695</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">64,695</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">74,950</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">74,950</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=45% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,709</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,709</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,062</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,062</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=45% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Available-for-sale financial assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">69,476</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">69,476</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">79,221</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">79,221</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=45% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Loans and receivables</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">431,521</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">438,991</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">465,977</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">468,844</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=45% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Held-to-maturity
  investments</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13,754</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13,865</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,696</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,619</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=45% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Derivatives &#8211; Hedge
  accounting</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,485</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,485</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,833</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,833</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=45% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=45% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities held for trading </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46,182</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46,182</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54,675</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54,675</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=45% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,222</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,222</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,338</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,338</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=45% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities at amortized cost</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">543,713</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">544,604</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">589,210</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">594,190</font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=45% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Derivatives &#8211; Hedge
  accounting</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,880</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,880</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,347</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,347</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_50c4af58003949839269051a4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">2017 and 2016 are presented separately due to
the implementation of IFRS 9</font><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.&nbsp;</font></font><a name="XBRL_TS_50c4af58003949839269051a4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_30cffc852c0a4a188ebd3d065"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Not all financial assets and liabilities are
recorded at fair value, so below we provide the information on financial
instruments recorded at fair value and subsequently the information of those
recorded at amortized cost (including their fair value), although this value is
not used when accounting for these instruments.</font></font><a name="XBRL_TS_30cffc852c0a4a188ebd3d065_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-36.0pt;"><a name="XBRL_TS_35ced1241a74498aaa60fe893"></a><a name="_Toc105980"></a><a name="_Toc474142239"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-141</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_145"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-36.0pt;"><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">8.1.1 Fair value of financial instrument recognized at fair
value, according to valuation criteria</font></b></font><a name="XBRL_TS_35ced1241a74498aaa60fe893_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_afde7e714be9436c9693f36fa"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Below are the different elements used in the
valuation technique of financial instruments.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=#004580 style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Active Market</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA considers active market as &#8220;a
market that allows the observation of bid and offer prices representative of
the levels to which the market participants are willing to negotiate an asset,
with sufficient frequency and volume&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">By default, BBVA would consider all
internally approved &#8220;Organized Markets&#8221; as active markets, without considering
this an unchangeable list. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Furthermore, BBVA would consider as
traded in an &#8220;Organized Market&#8221; quotations for assets or liabilities from OTC
markets when they are obtained from independent sources, observable on a daily
basis and fulfil certain conditions.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
following table shows the financial instruments carried at fair value in the
accompanying consolidated balance sheets, broken down by the measurement
technique used to determine their fair value:</font></font><a name="XBRL_TS_afde7e714be9436c9693f36fa_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_8.2_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Fair Value of financial Instruments by Levels (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap valign=bottom width=56% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 style="border:none;"><font color=#094FA4 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=33% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 style="border:none;"><b><font color=#0A5FB4 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 1</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 2</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 3</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSETS-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26,730</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">62,983</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">404</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28,642</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities </font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,884</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,494</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">199</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity instruments </font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,194</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,605</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26,846</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">85</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=56% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-trading financial assets mandatorily at fair value through profit
  or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,127</font></font></p>
  </td>
 <td nowrap width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">78</font></font></p>
  </td>
 <td nowrap width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,929</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,778</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">90</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">76</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,012</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,313</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,313</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45,824</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,323</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,190</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43,788</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,211</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">711</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,003</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">113</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">479</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Hedging derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,882</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIABILITIES-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial liabilities held for trading </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22,932</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">57,573</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">269</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Deposits</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,989</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29,945</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Trading derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,919</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27,628</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">267</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other financial
  liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,024</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial liabilities designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,478</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,515</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Customer deposits</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">976</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt certificates</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,858</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other financial
  liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">643</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,515</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=56% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Derivatives &#8211; Hedge accounting</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">223</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,454</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-142</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_146"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_8.2_002017016_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Fair Value of financial Instruments by Levels&#160; (Millions of
  euros)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap valign=bottom width=26% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 style="border:none;"><font color=#094FA4 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=32% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td colspan=3 width=31% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 style="border:none;"><b><font color=#0A5FB4 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 1</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 2</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 3</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 1</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 2</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 3</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSETS-</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 style="border:none;"><b><font color=#094FA4 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 style="border:none;"><b><font color=#094FA4 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 style="border:none;"><b><font color=#094FA4 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 style="border:none;"><b><font color=#094FA4 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 style="border:none;"><b><font color=#094FA4 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 style="border:none;"><b><font color=#094FA4 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 style="border:none;"><b><font color=#094FA4 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29,057</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">35,349</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">289</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32,544</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42,221</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">184</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">154</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities </font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21,107</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,444</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26,720</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">418</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity instruments </font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,688</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">80</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,570</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">96</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,262</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33,815</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">187</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,254</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41,640</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,061</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">648</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,062</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">648</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">174</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">142</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,888</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,920</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Available-for-sale financial assets </font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">57,381</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,082</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">544</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">62,125</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,894</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">637</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54,850</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,948</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">454</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58,372</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,779</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">429</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,531</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">134</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">90</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,753</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">115</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">208</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Hedging derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,483</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,792</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIABILITIES-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial liabilities held for trading </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,191</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">34,866</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">125</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12,502</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42,120</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,183</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">34,866</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">119</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">952</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42,120</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Short positions </font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,008</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,550</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial liabilities designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,222</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,338</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=26% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Derivatives &#8211; Hedge
  accounting</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">274</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,606</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">94</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,189</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_65c48df2ae5147dd9f74aaf79"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The years 2017 and 2016 are presented
separately due to the implementation of IFRS 9.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial
instruments carried at fair value corresponding to the companies that belong to
Banco Provincial Group in Venezuela whose balance is denominated in </font><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&#8220;bolivares
fuertes&#8221;</font></i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> are classified under Level 3 in the above tables (see Note
2.2.20).</font></font><a name="XBRL_TS_65c48df2ae5147dd9f74aaf79_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_1d8eb0d5656d4cf5bed8b7ae2"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
following table sets forth the main valuation techniques, hypothesis and inputs
used in the estimation of fair value of the financial instruments classified
under Levels 2 and 3, based on the type of financial asset and liability and
the corresponding balances as of December 31, 2018:</font></font><a name="XBRL_TS_1d8eb0d5656d4cf5bed8b7ae2_bclEnd"></a><font style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-143</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_147"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_8.3_nivel2y3dic.A_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Fair Value of financial Instruments by Levels. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#0A5FB4 style="border:none;"><b><font color=#0A5FB4 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 2</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 3</font></b></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Valuation
  technique(s)</font></b></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Observable
  inputs</font></b></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Unobservable
  inputs</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets held for trading</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">62,983</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">404</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap width=19% style="border:none;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28,642</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60</font></font></p>
  </td>
 <td width=22% style="border:none;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=22% style="border:none;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Current market interest rates</font></font></p>
  </td>
 <td width=21% style="border:none;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">- Recovery rates</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap width=19% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities </font></font></p>
  </td>
 <td nowrap width=8% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,494</font></font></p>
  </td>
 <td nowrap width=8% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">199</font></font></p>
  </td>
 <td width=22% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Observed prices in non active markets</font></font></p>
  </td>
 <td width=22% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Current market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">- Non active markets
  prices</font></font></p>
  </td>
 <td width=21% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">- Recovery rates</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity instruments </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Comparable pricing (Observable price in a similar market)</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Present-value method</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Brokers quotes</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Market operations</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- NAVs published</font></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- NAV provided by the administrator of the fund</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26,846</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">85</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:49.5pt;">
  <td nowrap width=19% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Interest rate</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:49.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:49.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Interest rate products (Interest rate swaps, Call money Swaps y FRA):
  Discounted cash flows</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Caps/Floors: Black, Hull-White y&#160; SABR</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Bond options: Black</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;Swaptions: Black, Hull-White y LGM</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other Interest rate options: Black, Hull-White y LGM</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Constant Maturity
  Swaps: SABR</font></font></p>
  </td>
 <td width=22% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Beta</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Implicit correlations between tenors</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- interest rates volatility</font></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td nowrap width=19% style="height:33.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity</font></font></p>
  </td>
 <td nowrap width=8% style="height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Future and Equity Forward: Discounted future cash flows</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Equity Options: Local Volatility, Momentum adjustment </font></font></p>
  </td>
 <td width=22% style="height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Volatility of volatility</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Implicit assets correlations</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Long term implicit correlations</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Implicit dividends and long term repos</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap width=19% style="height:24.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreign exchange
  and gold</font></font></p>
  </td>
 <td nowrap width=8% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Future and Equity Forward: Discounted future cash flows</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Foreign exchange Options: Local Volatility, moments adjustment</font></font></p>
  </td>
 <td width=22% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Volatility of volatility</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Implicit assets correlations</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">- Long term implicit
  correlations</font></font></p>
  </td>
 </tr>
<tr style="height:41.25pt;">
  <td nowrap width=19% style="height:41.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit</font></font></p>
  </td>
 <td nowrap width=8% style="height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Credit Derivatives: Default model and Gaussian copula</font></font></p>
  </td>
 <td width=22% style="height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Correlation default</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Credit spread</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Recovery rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Default volatility</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Commodities</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Commodities: Momentum adjustment and Discounted cash flows</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="background:#DADADA;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-trading financial assets mandatorily at fair value through profit
  or loss</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">78</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,929</font></b></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:37.5pt;">
  <td width=19% style="border:none;height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,778</font></font></p>
  </td>
 <td width=22% style="border:none;height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Specific criteria for the liquidation of losses established by the EPA
  protocol</font></font></p>
  </td>
 <td width=22% style="background:#BFBFBF;border:none;height:37.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=21% style="border:none;height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer credit risk</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Recovery rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">- PD and LGD</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=19% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities </font></font></p>
  </td>
 <td nowrap width=8% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td nowrap width=8% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">76</font></font></p>
  </td>
 <td width=22% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=22% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer credit risk</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Current market interest rates</font></font></p>
  </td>
 <td width=21% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer credit risk</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Recovery rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer credit risk</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Current market interest rates</font></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer credit risk</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Recovery rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets at fair value through other comprehensive income</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,323</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,190</font></b></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td nowrap width=19% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Debt securities </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,211</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">711</font></font></p>
  </td>
 <td width=22% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Observed prices in non active markets</font></font></p>
  </td>
 <td width=22% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Current market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">- Non active market
  prices</font></font></p>
  </td>
 <td width=21% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer credit risk</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Recovery rates</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">113</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">479</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Comparable pricing (Observable price in a similar market)</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Present-value method</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Brokers quotes</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Market operations</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- NAVs published</font></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- NAV provided by the administrator of the fund</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Hedging
  derivatives</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,882</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:49.5pt;">
  <td nowrap width=19% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Interest rate</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:49.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:49.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Interest rate products (Interest rate swaps, Call money Swaps y FRA):
  Discounted cash flows</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Caps/Floors: Black, Hull-White y&#160; SABR</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Bond options: Black</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;Swaptions: Black, Hull-White y LGM</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other Interest rate options: Black, Hull-White y LGM</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Constant Maturity
  Swaps: SABR</font></font></p>
  </td>
 <td width=22% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="background:#D9D9D9;border:none;height:49.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=19% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity</font></font></p>
  </td>
 <td nowrap width=8% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Future and Equity Forward: Discounted future cash flows</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Equity Options: Local Volatility, Momentum
  adjustment </font></font></p>
  </td>
 <td width=22% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="background:#D9D9D9;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=19% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreign exchange
  and gold</font></font></p>
  </td>
 <td nowrap width=8% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Future and Equity Forward: Discounted future cash flows</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Foreign exchange Options: Local Volatility, moments adjustment</font></font></p>
  </td>
 <td width=22% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="background:#D9D9D9;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit</font></font></p>
  </td>
 <td nowrap width=8% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Credit Derivatives: Default model and Gaussian copula</font></font></p>
  </td>
 <td width=22% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="background:#D9D9D9;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Commodities</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Commodities: Momentum adjustment and Discounted cash flows</font></font></p>
  </td>
 <td width=22% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="background:#D9D9D9;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
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 <tr style="height:8.25pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Fair Value of financial Instruments by Levels. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Valuation
  technique(s)</font></b></font></p>
  </td>
 <td rowspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Observable
  inputs</font></b></font></p>
  </td>
 <td rowspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Unobservable
  inputs</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 style="border:none;"><b><font color=#0A5FB4 face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial liabilities held for trading </font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">57,573</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">269</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td width=19% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Deposits</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29,945</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=22% style="border:none;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27,628</font></font></p>
  </td>
 <td nowrap width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">267</font></font></p>
  </td>
 <td width=22% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=21% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:49.5pt;">
  <td nowrap width=19% style="height:49.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Interest rate</font></font></p>
  </td>
 <td width=8% style="height:49.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:49.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Interest rate products (Interest rate swaps, Call money Swaps y FRA):
  Discounted cash flows</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Caps/Floors: Black, Hull-White y&#160; SABR</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Bond options: Black</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;Swaptions: Black, Hull-White y LGM</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other Interest rate options: Black, Hull-White y LGM</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Constant Maturity
  Swaps: SABR</font></font></p>
  </td>
 <td width=22% style="height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Beta</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Correlation between tenors</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- interest rates volatility</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=19% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity</font></font></p>
  </td>
 <td width=8% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Future and Equity Forward: Discounted future cash flows</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Equity Options: Local Volatility, Momentum adjustment </font></font></p>
  </td>
 <td width=22% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Volatility of volatility</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Assets correlation</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=19% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreign exchange
  and gold</font></font></p>
  </td>
 <td width=8% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Future and Equity Forward: Discounted future cash flows</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Foreign exchange Options: Local Volatility, moments adjustment</font></font></p>
  </td>
 <td width=22% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Volatility of volatility</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Assets correlation</font></font></p>
  </td>
 </tr>
<tr style="height:41.25pt;">
  <td nowrap width=19% style="height:41.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit</font></font></p>
  </td>
 <td width=8% style="height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Credit Derivatives: Default model and Gaussian copula</font></font></p>
  </td>
 <td width=22% style="height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Correlation default</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Credit spread</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Recovery rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Default volatility</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Commodities</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Commodities: Momentum adjustment and Discounted cash flows</font></font></p>
  </td>
 <td width=22% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="background:#DADADA;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Short positions </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=22% style="background:#D9D9D9;border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Correlation default</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Credit spread</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Recovery rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial liabilities designated at fair value through profit or loss</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,478</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,515</font></b></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">- Current market
  interest rates</font></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">- Current market
  interest rates</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Derivatives &#8211;
  Hedge accounting</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,454</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:49.5pt;">
  <td nowrap width=19% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Interest rate</font></font></p>
  </td>
 <td width=8% style="border:none;height:49.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="border:none;height:49.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Interest rate products (Interest rate swaps, Call money Swaps y FRA):
  Discounted cash flows</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Caps/Floors: Black, Hull-White y&#160; SABR</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Bond options: Black</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;Swaptions: Black, Hull-White y LGM</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other Interest rate options: Black, Hull-White y LGM</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Constant Maturity
  Swaps: SABR</font></font></p>
  </td>
 <td width=22% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Beta</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Implicit correlations between tenors</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- interest rates volatility</font></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td nowrap width=19% style="height:33.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity</font></font></p>
  </td>
 <td width=8% style="height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Future and Equity Forward: Discounted future cash flows</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Equity Options: Local Volatility, Momentum adjustment </font></font></p>
  </td>
 <td width=22% style="height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Volatility of volatility</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Implicit assets correlations</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Long term implicit correlations</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Implicit dividends and long term repos</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap width=19% style="height:24.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreign exchange
  and gold</font></font></p>
  </td>
 <td width=8% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Future and Equity Forward: Discounted future cash flows</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Foreign exchange Options: Local Volatility, moments adjustment</font></font></p>
  </td>
 <td width=22% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Volatility of volatility</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Implicit assets correlations</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">- Long term implicit
  correlations</font></font></p>
  </td>
 </tr>
<tr style="height:41.25pt;">
  <td nowrap width=19% style="height:41.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit</font></font></p>
  </td>
 <td width=8% style="height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Credit Derivatives: Default model and Gaussian copula</font></font></p>
  </td>
 <td width=22% style="height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Correlation default</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Credit spread</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Recovery rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">- Default volatility</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=19% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Commodities</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=22% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Commodities: Momentum adjustment and Discounted cash flows</font></font></p>
  </td>
 <td width=22% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Exchange rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market quoted future prices</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market interest rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Underlying assets prices: shares, funds, commodities</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market observable volatilities&#160; </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Issuer credit spread levels</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Quoted dividends</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">-&#160; Market listed correlations</font></font></p>
  </td>
 <td width=21% style="background:#DADADA;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>




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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_efca9a70ae5743b087f6126f5"></a><a name="_Toc105981"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font color=#004580 style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Main valuation techniques</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
main techniques used for the assessment of the majority of the financial
instruments classified in Level 3, and its main unobservable inputs, are
described below:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The net present value (net
present value method): This technique uses the future cash flows of each debt
security, which are established in the different contracts, and discounted to
their present value. This technique often includes many observable inputs, but
may also include unobservable inputs, as described below:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Credit Spread: This input represents the
difference in yield of a debt security and the reference rate, reflecting the
additional return that a market participant would require to take the credit
risk of that debt security. Therefore, the credit spread of the debt security
is part of the discount rate used to calculate the present value of the future
cash flows.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Recovery rate: This input represents the
percentage of principal and interest recovered from a debt instrument that has
defaulted.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Comparable prices (similar
asset prices): This input represents the prices of comparable financial
instruments and benchmarks used to calculate a reference yield based on relative
movements from the entry price or current market levels. Further adjustments to
account for differences that may exist between financial instrument being
valued and the comparable financial instrument may be added. It can also be
assumed that the price of the financial instrument is equivalent to the
comparable instrument.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Net asset value: This input
represents the total value of the financial assets and liabilities of a fund and
is published by the fund manager thereof.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Gaussian copula: This model
is used to integrate default probabilities of credit instruments referenced to
more than one underlying CDS. The joint density function used to value the
instrument is constructed by using a Gaussian copula that relates the marginal
densities by a normal distribution, usually extracted from the correlation
matrix of events approaching default by CDS issuers.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Black 76: variant of Black
Scholes model, whose main application is the valuation of bond options, cap
floors and swaptions where the behavior of the Forward and not the Spot itself,
is directly modeled.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Black Scholes: The Black
Scholes model postulates log-normal distribution for the prices of securities,
so that the expected return under the risk neutral measure is the risk free
interest rate. Under this assumption, the price of vanilla options can be
obtained analytically, so that inverting the Black- Scholes formula, the implied
volatility for process of the price can be calculated.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Heston: This model,
typically applied to equity OTC options, assumes stochastic behavior of
volatility. According to which, the volatility follows a process that reverts
to a long-term level and is correlated with the underlying equity instrument.
As opposed to local volatility models, in which the volatility evolves
deterministically, the Heston model is more flexible, allowing it to be similar
to that observed in the short term today.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Libor market model: This
model assumes that the dynamics of the interest rate curve can be modeled based
on the set of forward contracts that compose the underlying interest rate. The
correlation matrix is parameterized on the assumption that the correlation
between any two forward contracts decreases at a constant rate, beta, to the
extent of the difference in their respective due dates. The input &#8220;Credit
default volatility&#8221; is a volatility input of the credit factor dynamic. The
multifactorial frame of this model makes it ideal for the valuation of
instruments sensitive to the slope or curve, including interest rate option.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Local Volatility: In the
local volatility models of the volatility, instead of being static, evolves
over time according to the level of moneyness of the underlying, capturing the
existence of smiles. These models are appropriate for pricing path dependent
options when use Monte Carlo simulation technique is used.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Adjustments to the valuation for risk of
default</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Under IFRS 13 the credit risk valuation
adjustments must be considered in the classification of assets and liabilities
within fair value hierarchy, because of the absence of observables data of
probabilities of default used in the calculation.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The credit valuation adjustments (&#8220;CVA&#8221;) and
debit valuation adjustments (&#8220;DVA&#8221;) are a part of derivative instrument
valuations, both financial assets and liabilities, to reflect the impact in the
fair value of the credit risk of the counterparty and BBVA, respectively.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These adjustments are calculated by estimating
Exposure At Default, Probability of Default and Loss Given Default, for all
derivative products on any instrument at the legal entity level (all
counterparties under a same ISDA / CMOF) in which BBVA has exposure.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As a general rule, the calculation of CVA is
done through simulations of market and credit variables to calculate the
expected positive exposure, given the Exposure at Default and multiplying the
result by the Loss Given Default of the counterparty. Consequently, the DVA is
calculated as the result of the expected negative exposure given the Exposure
at Default and multiplying the result by the Loss Given Default of the counterparty.
Both calculations are performed throughout the entire period of potential
exposure.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-147</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The information
needed to calculate the exposure at default and the loss given default come
from the credit markets (Credit Default Swaps or iTraxx Indexes), where rating
is available. For those cases where the rating is not available, BBVA
implements a mapping process based on the sector, rating and geography to
assign probabilities of both probability of default and loss given default,
calibrated directly to market or with an adjustment market factor for the
probability of default and the historical expected loss. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amounts recognized in the consolidated
balance sheet as of December 31, 2018 and 2017 related to the valuation
adjustments to the credit assessment of the derivative asset as &#8220;Credit
Valuation Adjustments&#8221; (&#8220;CVA&#8221;) was &#8364;-<a name="XBRL_CS_074e9abed65a4a93852653ff4"></a>163<a name="XBRL_CS_074e9abed65a4a93852653ff4_bclEnd"></a> million and &#8364;-<a name="XBRL_CS_5beb68bde210498c9582dee84"></a>153<a name="XBRL_CS_5beb68bde210498c9582dee84_bclEnd"></a> million respectively, and
the valuation adjustments to the derivative liabilities as &#8220;Debit Valuation
Adjustment&#8221; (DVA) was &#8364;<a name="XBRL_CS_aae5b171b0f54295bb9862466"></a>214<a name="XBRL_CS_aae5b171b0f54295bb9862466_bclEnd"></a> million and &#8364;<a name="XBRL_CS_6b5fc956175442939f84bab29"></a>138<a name="XBRL_CS_6b5fc956175442939f84bab29_bclEnd"></a> million respectively . The
impact recorded under &#8220;Gains or (-) losses on financial assets and liabilities
held for trading, net&#8221; in the consolidated income statement as for the years
ended 2018 and 2017 corresponding to the mentioned adjustments was a net impact
of &#8364;-<a name="XBRL_CS_96287f45a7a449d1af44f4b8e"></a>24<a name="XBRL_CS_96287f45a7a449d1af44f4b8e_bclEnd"></a> million and &#8364;-<a name="XBRL_CS_7320173b9eaf41daa1cd712c6"></a>23<a name="XBRL_CS_7320173b9eaf41daa1cd712c6_bclEnd"></a> million respectively.
Additionally, as of December 31, 2018, &#8364;-<a name="XBRL_CS_6a01d54e65f6467dab95363ba"></a>12<a name="XBRL_CS_6a01d54e65f6467dab95363ba_bclEnd"></a> million related to the
&#8220;Funding Valuation Adjustments&#8221; (&#8220;FVA&#8221;) were recognized in the consolidated
balance sheet. </font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc105983"></a><font color=#004580 style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Unobservable
inputs</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Quantitative
information of unobservable inputs used to calculate Level 3 valuations is
presented below as of December 31, 2018:</font></font><a name="XBRL_TS_efca9a70ae5743b087f6126f5_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_8.3_011_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:27.0pt;">
  <td width=19% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financial
  instrument</font></b></font></p>
  </td>
 <td width=18% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Valuation
  technique(s)</font></b></font></p>
  </td>
 <td width=18% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Significant
  unobservable inputs</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Min</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Max</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Units</font></b></font></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=19% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 style="border:none;"><font color=#094FA4 face=BBVABentonSansLight style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 style="border:none;"><font color=#094FA4 face=BBVABentonSansLight style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 style="border:none;"><font color=#094FA4 face=BBVABentonSansLight style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=12% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td rowspan=3 width=19% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt Securities</font></font></p>
  </td>
 <td rowspan=2 width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Net Present&#160; Value</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit Spread</font></font></p>
  </td>
 <td width=12% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37</font></font></p>
  </td>
 <td width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">152.22</font></font></p>
  </td>
 <td width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">385.00</font></font></p>
  </td>
 <td width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">b.p.</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Recovery Rate</font></font></p>
  </td>
 <td width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32.06%</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40.00%</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Comparable pricing</font></font></p>
  </td>
 <td width=18% style="background:#DDD9C4;border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.00%</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">88.00%</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">275.00%</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td rowspan=2 width=19% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td width=18% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Net&#160; Asset Value</font></font></p>
  </td>
 <td width=18% style="background:#DDD9C4;border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 rowspan=2 width=45% style="background:#DDD9C4;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Comparable pricing</font></font></p>
  </td>
 <td width=18% style="background:#DDD9C4;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=top width=19% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit Option</font></font></p>
  </td>
 <td width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Gaussian Copula</font></font></p>
  </td>
 <td width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Correlation Default</font></font></p>
  </td>
 <td width=12% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37.98%</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">60.26%</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=top width=19% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Corporate Bond Option</font></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Black 76</font></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Price Volatility</font></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">vegas</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td rowspan=3 width=19% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity OTC Option</font></font></p>
  </td>
 <td width=18% style="border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Heston</font></font></p>
  </td>
 <td width=18% style="border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Forward Volatility
  Skew</font></font></p>
  </td>
 <td width=12% style="border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47.05</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47.05</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47.05</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Vegas</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td rowspan=2 width=18% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Local Volatility</font></font></p>
  </td>
 <td width=18% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Dividends</font></font></p>
  </td>
 <td colspan=4 width=45% style="background:#DDD9C4;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Volatility</font></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13.79</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27.24</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">65.02</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">vegas</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">FX OTC Options</font></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Black Scholes/Local
  Vol</font></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Volatility</font></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5.05</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.73</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9.71</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">vegas</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td rowspan=3 width=19% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest Rate Option</font></font></p>
  </td>
 <td rowspan=3 width=18% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Libor Market Model</font></font></p>
  </td>
 <td width=18% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Beta</font></font></p>
  </td>
 <td width=12% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.25</font></font></p>
  </td>
 <td width=11% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9.00</font></font></p>
  </td>
 <td width=11% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18.00</font></font></p>
  </td>
 <td width=11% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=18% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Correlation Rate/Credit</font></font></p>
  </td>
 <td width=12% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(100)</font></font></p>
  </td>
 <td width=11% style="background:#DDD9C4;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit Default
  Volatility</font></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Vegas</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_7a880c5bdb1340ba9a504f72e"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-148</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_152"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=#004580 style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Financial assets and liabilities
classified as Level 3</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The changes in the balance of Level 3 financial
assets and liabilities included in the accompanying consolidated balance sheets
during 2018, 2017 and 2016, are as follows:</font></font><a name="XBRL_TS_7a880c5bdb1340ba9a504f72e_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_8.4_013_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial Assets Level 3: Changes in the Period (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=32% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=23% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td colspan=2 width=23% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=32% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Liabilities</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Liabilities</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Liabilities</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=32% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the beginning</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">835</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">125</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">822</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">463</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">182</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=32% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Group incorporations</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=32% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Changes in fair value recognized in profit and loss (*)</font></font></p>
  </td>
 <td nowrap width=12% style="height:21.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(167)</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(95)</font></font></p>
  </td>
 <td nowrap width=12% style="height:21.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(24)</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(86)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=32% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Changes in fair value not recognized in profit and loss</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(45)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(81)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=32% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Acquisitions,
  disposals and liquidations (**)</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,102</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,710</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">320</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">438</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=32% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Net transfers to
  Level 3</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">761</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">106</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(39)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=32% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange differences
  and others</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(55)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(250)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(47)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=32% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,527</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,787</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">835</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">125</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">822</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_TS_373f6d097e30458a880922484"></a><a name="XBRL_FS_c26b651606124719a7e4fe8f5"></a><a name="XBRL_FS_957412c39d224c73b30d0e6f1"></a><a name="XBRL_TS_63e535fc485147dfb0118c491"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160;
Profit or loss that is attributable to gains or losses relating to those
financial assets and liabilities held as of December 31, 2018, 2017 and 2016.
Valuation adjustments are recorded under the heading &#8220;Gains (losses) on
financial assets and liabilities, net&#8221;.</font></font><a name="XBRL_FS_957412c39d224c73b30d0e6f1_bclEnd"></a><a name="XBRL_FS_c26b651606124719a7e4fe8f5_bclEnd"></a><a name="XBRL_TS_63e535fc485147dfb0118c491_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_7a1a10311f9f41168c455c696"></a><a name="XBRL_FS_5dbbd8face58445c816586e0d"></a><a name="XBRL_TS_057b68cc131844249d5b83916"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(**)
Of which, in 2018, the assets roll forward is comprised of &#8364;</font></font><a name="XBRL_CS_7cf6f3ec552e4cc0bbcf43651"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">2,400</font></font><a name="XBRL_CS_7cf6f3ec552e4cc0bbcf43651_bclEnd"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;"> million of acquisitions, &#8364;<a name="XBRL_CS_59ad321f47444d6b9e42d7ad7"></a>254<a name="XBRL_CS_59ad321f47444d6b9e42d7ad7_bclEnd"></a> millions of disposals and
&#8364;<a name="XBRL_CS_4ae0511a83ae4d858b5a6077a"></a>44<a name="XBRL_CS_4ae0511a83ae4d858b5a6077a_bclEnd"></a> millions of liquidations.
The liabilities roll forward is comprised of &#8364;<a name="XBRL_CS_ae5a317b8576430eabba4b8fb"></a>2,716<a name="XBRL_CS_ae5a317b8576430eabba4b8fb_bclEnd"></a> million of acquisitions
and &#8364;<a name="XBRL_CS_1385a567a90e459a97ff1048b"></a>5<a name="XBRL_CS_1385a567a90e459a97ff1048b_bclEnd"></a> millions of liquidations.</font></font><a name="XBRL_FS_5dbbd8face58445c816586e0d_bclEnd"></a><a name="XBRL_FS_7a1a10311f9f41168c455c696_bclEnd"></a><a name="XBRL_TS_057b68cc131844249d5b83916_bclEnd"></a><a name="XBRL_TS_373f6d097e30458a880922484_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_efcbdedefe994a8ea394bb8a3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, the profit/loss on
sales of financial instruments classified as Level 3 recognized in the
accompanying consolidated income statement was not material.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-149</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_153"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=#004580 style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Transfers
between levels</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Global Valuation Area, in collaboration
with BBVA Group, has established the rules for a proper financials instruments
held for trading classification according to the fair value hierarchy defined
by international accounting standards.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On a monthly basis, any new assets added to the
portfolio are classified, according to this criterion, by the accounting
subsidiary. Then, there is a quarterly review of the portfolio in order to analyze
the need for a change in classification of any of these assets.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The financial instruments transferred between
the different levels of measurement for the year ended December 31, 2018 are
recorded at the following amounts in the accompanying consolidated balance
sheets as of December 31, 2018:</font></font><a name="XBRL_TS_efcbdedefe994a8ea394bb8a3_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_8.4_014dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfer Between Levels. December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=20% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">From:</font></b></font></p>
  </td>
 <td colspan=2 width=24% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 1</font></b></font></p>
  </td>
 <td colspan=2 width=24% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 2</font></b></font></p>
  </td>
 <td colspan=2 width=23% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 3</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">To:</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 2</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 3</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 1 </font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 3</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level 1</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Level2</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,171</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-trading financial assets mandatorily at fair value through profit
  or loss</font></font></p>
  </td>
 <td nowrap width=9% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">67</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=9% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">134</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">72</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">515</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">118</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,305</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">74</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">641</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">118</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIABILITIES-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financial liabilities held for trading</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">138</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">138</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_cb4f99d35e0a439fa959c69c5"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amount of financial instruments that were transferred
between levels of valuation for the year ended December 31, 2018 is not
material relative to the total portfolios, and corresponds to the above changes
in the classification between levels these financial instruments modified some
of their features, specifically:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Transfers between Levels 1
and 2 represent mainly debt and equity instruments, which are either no longer
listed on an active market (transfer from Level 1 to 2) or have just started to
be listed (transfer from Level 2 to 1).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Transfers from Level 2 to
Level 3 are mainly due to derivative transactions.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Transfers from Level 3 to
Level 2 generally affect derivative and debt instruments transactions, for
which inputs observable in the market have been obtained</font></font><font style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-150</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_154"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Sensitivity
Analysis</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Sensitivity analysis is performed on financial
instruments with significant unobservable inputs (financial instruments
included in level 3), in order to obtain a reasonable range of possible
alternative valuations. This analysis is carried out on a monthly basis, based
on the criteria defined by the Global Valuation Area taking into account the
nature of the methods used for the assessment and the reliability and
availability of inputs and proxies used. In order to establish, with a
sufficient degree of certainty, the valuating risk that is incurred in such
assets without applying diversification criteria between them.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, the effect on profit
for the period and total equity of changing the main unobservable inputs used
for the measurement of Level 3 financial instruments for other reasonably
possible unobservable inputs, taking the highest (most favorable input) or
lowest (least favorable input) value of the range deemed probable, would be as
follows:</font></font><a name="XBRL_TS_cb4f99d35e0a439fa959c69c5_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_8.2_015_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial Assets Level 3: Sensitivity Analysis (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:35.25pt;">
  <td width=56% style="border:none;height:35.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:35.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Potential Impact on Consolidated</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;Income Statement </font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:35.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Potential Impact on</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&#160;Total Equity </font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Most
  Favorable Hypothesis</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Least
  Favorable Hypothesis</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Most
  Favorable Hypothesis</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Least
  Favorable Hypothesis</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and Advances</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=56% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-trading financial assets mandatorily at fair value through profit
  or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">291</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(181)</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and Advances</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">285</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(161)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=56% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial liabilities held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">297</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(194)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_7a9ca9d7be88450185d0ae7f1"></a><a name="_Toc105985"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-151</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_155"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">8.2&#160;&#160; Fair value of financial instruments carried at cost</font></b></font><a name="XBRL_TS_7a9ca9d7be88450185d0ae7f1_bclEnd"></a><font style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_453bcce070994854a6d03709b"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
valuation technique used to calculate the fair value of financial assets and
liabilities carried at cost as of December 31, 2018, are presented below:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=#006EC1 face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=ES style="font-size:10.0pt;font-style:normal;letter-spacing:0pt;line-height:normal;">Financial assets</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.15pt;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">6.</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Cash, balances at
central banks and other demand deposits / loans to central banks / short-term
loans to credit institutions / Repurchase agreements: in general, their fair
value is assimilated to their book value, due to the nature of the counterparty
and because they are mainly short-term balances in which the book value is the
most reasonable estimation of the value of the asset.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.15pt;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">7.</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Loans to credit
institutions which are not short-term and loans to customers: In general, the
fair value of these financial assets is determined by the discount of expected
future cash flows, using market interest rates at the time of valuation adjusted
by the credit spread and taking all kind of behavior hypothesis if it is considered
to be relevant (prepayment fees, optionality, etc.).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.15pt;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">8.</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Debt securities:
Fair value estimated based on the available market price or by using internal
valuation methodologies.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=#006EC1 face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;font-style:normal;letter-spacing:0pt;line-height:normal;">Financial liabilities</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.15pt;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">9.</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deposits from
central banks: for recurrent liquidity auctions and other monetary policy
instruments of central banks, / short-term deposits from credit institutions /
repurchase agreements / short-term customer deposits:&#160; their book value is
considered to be the best estimation of their fair value.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.15pt;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">10.</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;"> &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deposits of
credit institutions which are not short-term and term customer deposits: these
deposits will be valued by discounting future cash flows using the interest
rate curve in effect at the time of the adjustment adjusted by the credit
spread and incorporating any behavioral assumptions if this proves relevant
(early repayments , optionalities, etc.).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.15pt;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">11.</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;"> &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Debt certificate
(Issuances): The fair value estimation of these liabilities depend on the
availability of market prices or by using the present value method: discount of
future cash flows, using market interest rates at valuation time and taking
into account the credit spread.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The following table presents the fair value of key financial
instruments carried at amortized cost in the accompanying consolidated balance
sheets as of December 31, 2018, 2017 and 2016, broken down according to the
method of valuation used for the estimation:</font></font><a name="XBRL_TS_453bcce070994854a6d03709b_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_8.2_016_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair Value of financial Instruments at amortized cost by Levels
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=56% style="border:none;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=33% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Level 1</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Level 2</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Level 3</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white style="border:none;"><b><font color=white face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td nowrap width=56% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,024</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">172</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at amortized cost</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,419</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">204,619</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">193,819</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial liabilities at amortized cost </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,225</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">269,128</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">182,948</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b6ad919f29044499b6be7a9c4"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-152</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_156"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The main valuation techniques
and inputs used to estimate the fair value of financial instruments accounted
for at cost and classified in levels 2 and 3 is shown below. These are broken
down by type of financial instrument and the balances correspond to those as of
December 31, 2018:</font></font><a name="XBRL_TS_b6ad919f29044499b6be7a9c4_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_8.6_nivel3_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair Value of financial Instruments at amortized cost by valuation
  technique. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 style="border:none;"><font color=#094FA4 face=BBVABentonSansLight style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td rowspan=2 width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Level 2</font></b></font></p>
  </td>
 <td rowspan=2 width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Level 3</font></b></font></p>
  </td>
 <td rowspan=2 width=25% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Valuation
  technique(s)</font></b></font></p>
  </td>
 <td rowspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Main inputs
  used</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=30% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 style="border:none;"><b><font color=#004481 face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=30% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">ASSETS </font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=25% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=30% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at amortized cost</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">204,619</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">193,819</font></b></font></p>
  </td>
 <td nowrap width=25% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:31.5pt;">
  <td nowrap width=30% style="border:none;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central Banks</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=25% style="border:none;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=21% style="border:none;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Credit spread</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  </td>
 </tr>
<tr style="height:31.5pt;">
  <td nowrap width=30% style="height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=12% style="height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,934</font></font></p>
  </td>
 <td nowrap width=12% style="height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,291</font></font></p>
  </td>
 <td width=25% style="height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=21% style="height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Credit spread</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  </td>
 </tr>
<tr style="height:31.5pt;">
  <td nowrap width=30% style="height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=12% style="height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">190,666</font></font></p>
  </td>
 <td nowrap width=12% style="height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">183,645</font></font></p>
  </td>
 <td width=25% style="height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=21% style="height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Credit spread</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td nowrap width=30% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,019</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,881</font></font></p>
  </td>
 <td width=25% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Credit spread</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=30% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=25% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=30% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial liabilities at amortized cost </font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">269,128</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">182,948</font></b></font></p>
  </td>
 <td nowrap width=25% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black style="border:none;"><b><font color=black face=BBVABentonSansLight style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=30% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central Banks</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">196</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=25% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=21% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,281</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,852</font></font></p>
  </td>
 <td width=25% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=21% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">240,547</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">135,270</font></font></p>
  </td>
 <td width=25% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=21% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,104</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,096</font></font></p>
  </td>
 <td width=25% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=21% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  liabilities</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,730</font></font></p>
  </td>
 <td width=25% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Present-value method</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Discounted future cash flows)</font></font></p>
  </td>
 <td width=21% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Issuer&#180;s credit risk</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">- Prepayment rates</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">- Interest rate yield</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_74b66c1e38be4f02a61c737d2"></a><font color=#006EC1 face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;font-style:normal;letter-spacing:0pt;line-height:normal;">Equity instruments at cost</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Until
2017, there were equity instruments and discretionary profit-sharing
arrangements in some entities which were recognized at cost in the Group&#8217;s
consolidated balance sheets because their fair value could not be estimated </font></font><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">in</font></font><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> a sufficiently reliable manner for the amount of &#8364;<a name="XBRL_CS_763068120af047ad89ed65b11"></a>469<a name="XBRL_CS_763068120af047ad89ed65b11_bclEnd"></a> and &#8364;<a name="XBRL_CS_f924d921640044be968bdc3f6"></a>565<a name="XBRL_CS_f924d921640044be968bdc3f6_bclEnd"></a> million, as of December
31, 2017 and 2016, respectively.</font></font><a name="XBRL_TS_74b66c1e38be4f02a61c737d2_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_2dff8cc45d664ec2b51d7ebe1"></a><a name="_Toc105987"></a><a name="_Toc495478123"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">9.&#160;&#160; Cash, cash balances at central banks and other demands
deposits</font></b></font><a name="XBRL_TS_2dff8cc45d664ec2b51d7ebe1_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_5338864c7eaa473a844c960fa"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under the heading
&#8220;Cash, cash balances at central banks and other demands deposits&#8221; in the
accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_5338864c7eaa473a844c960fa_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_9_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=57% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cash on hand</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,346</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,220</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,413</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=57% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash balances at central banks</font></font></p>
  </td>
 <td nowrap width=10% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43,880</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,718</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,671</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other demand deposits</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,970</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,742</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,955</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,196</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,680</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,039</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-153</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_157"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc376949929"></a><a name="_Toc347755846"></a><a name="_Toc331260308"></a><a name="_Toc299032867"></a><a name="_Toc299031528"></a><a name="_Toc299029445"></a><a name="_Toc298431710"></a><a name="XBRL_TS_2a8c463e579e4ec99cf125a08"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">10.&#160;&#160;&#160; Financial
assets and liabilities held for trading</font></b></font><a name="XBRL_TS_2a8c463e579e4ec99cf125a08_bclEnd"></a></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_8244fd6358774272ba69790c2"></a><a name="_Toc474142244"></a><a name="_Toc376972331"></a><a name="_Toc376949923"></a><a name="_Toc105989"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">10.1&#160;&#160; Breakdown
of the balance</font></b></font><a name="XBRL_TS_8244fd6358774272ba69790c2_bclEnd"></a></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_a65e9a12351243e089eed4784"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under these
headings in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_a65e9a12351243e089eed4784_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_10.1_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:20.45pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial Assets and Liabilities Held-for-Trading (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,536</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,265</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,955</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=56% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,577</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,573</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,166</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and advances </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,750</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">154</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,254</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,801</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,675</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total&#160; Assets</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90,117</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">64,695</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">74,950</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,815</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,169</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43,118</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Short positions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,025</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,013</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,556</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37,934</font></font></p>
  </td>
 <td nowrap width=11% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total&#160; Liabilities</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">80,774</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46,182</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,675</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_98b629ad077c424dac89f8b28"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018 &#8220;Short positions&#8221;
include &#8364;10,255 million held with General governments.</font></font><a name="XBRL_TS_98b629ad077c424dac89f8b28_bclEnd"></a></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_88b256b5b84b435bb4e7d4c81"></a><a name="_Toc474142245"></a><a name="_Toc376972333"></a><a name="_Toc376949925"></a><a name="_Toc105990"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">10.2&#160;&#160; Debt
securities</font></b></font><a name="XBRL_TS_88b256b5b84b435bb4e7d4c81_bclEnd"></a></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_6bc314b5ec39434c851369fca"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown by type of issuer of the balance
under this heading in the accompanying consolidated balance sheets is as
follows:</font></font><a name="XBRL_TS_6bc314b5ec39434c851369fca_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_10.1_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:20.45pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial Assets Held-for-Trading. Debt securities by issuer (Millions
  of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,001</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,371</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">544</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by public
  administrations</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,950</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,344</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,621</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by financial
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">790</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">816</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,652</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">836</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,041</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,349</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,577</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,573</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,166</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_1865232c9436411aaa59b977a"></a><a name="_Toc105991"></a></h2>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-154</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_158"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">10.3&#160;&#160; Loans and advances</font></b></font><a name="XBRL_TS_1865232c9436411aaa59b977a_bclEnd"></a></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_27953cf2ebaf4713ab5e84d62"></a><a name="XBRL_TS_3dfaf4f32efb4451809ad93cf"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_27953cf2ebaf4713ab5e84d62_bclEnd"></a><a name="XBRL_TS_3dfaf4f32efb4451809ad93cf_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_10.5_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:20.45pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial Assets Held-for-Trading. Loans and advances (Millions of
  euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to central banks</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004FA4 face=Arial,sans-serif style="border:none;"><font color=#004FA4 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,163</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Reverse
  repurchase agreements</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,163</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004FA4 face=Arial,sans-serif style="border:none;"><font color=#004FA4 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,566</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Reverse
  repurchase agreements</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,305</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td width=56% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004FA4 face=Arial,sans-serif style="border:none;"><font color=#004FA4 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,021</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">154</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Reverse
  repurchase agreements</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,794</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,750</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">154</font></b></font></p>
  </td>
 </tr>
</table></div>



<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_5dd05f2a7e4c40adb51f5846c"></a><a name="_Toc474142246"></a><a name="_Toc376972334"></a><a name="_Toc376949926"></a><a name="_Toc105992"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">10.4&#160;&#160; Equity
instruments</font></b></font><a name="XBRL_TS_5dd05f2a7e4c40adb51f5846c_bclEnd"></a></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b3c8685cccf04ec3a8d43e726"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_b3c8685cccf04ec3a8d43e726_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_10.3_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:19.15pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:19.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial Assets Held-for-Trading. Equity instruments by Issuer
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Shares of
  Spanish companies</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">576</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">617</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">781</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other sectors</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">536</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">603</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">956</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,112</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,220</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,737</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Shares of
  foreign companies</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">304</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">345</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">220</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other sectors</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,838</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,236</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,718</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,142</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,581</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,939</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,254</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,801</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,675</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_65d8f5c3f2d149eda9ed8361f"></a><a name="_Toc105993"></a></h2>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-155</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_159"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">10.5&#160;&#160; Deposits</font></b></font><a name="XBRL_TS_65d8f5c3f2d149eda9ed8361f_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;"> &nbsp;</font></b></font></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f665818b08ef424e8032a109b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_f665818b08ef424e8032a109b_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_10.5_007_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:20.45pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial Liabilities Held-for-Trading. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits from central
  banks (*)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004FA4 face=Arial,sans-serif style="border:none;"><font color=#004FA4 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">10,511</font></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Repurchase
  agreement</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,511</font></i></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits from credit
  institutions (*)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004FA4 face=Arial,sans-serif style="border:none;"><font color=#004FA4 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">15,687</font></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Repurchase
  agreement</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,839</font></i></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits from
  customers (*)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004FA4 face=Arial,sans-serif style="border:none;"><font color=#004FA4 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">11,736</font></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=58% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Repurchase
  agreement</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,466</font></i></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37,934</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_de3ef02ace804ce5a3d1213e7"></a><a name="_Toc376949927"></a><a name="_Toc376972335"></a><a name="_Toc474142247"></a><a name="_Toc105994"></a></h2>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-156</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_160"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">10.6&#160;&#160; Derivatives</font></b></font><a name="XBRL_TS_de3ef02ace804ce5a3d1213e7_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;"> &nbsp;</font></b></font></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b2893420830a4d7f9b4354619"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The derivatives portfolio arises from the
Group&#8217;s need to manage the risks it is exposed to in the normal course of
business and also to market products amongst the Group&#8217;s customers. As of
December 31, 2018, 2017 and 2016, trading derivatives were mainly contracted in
over-the-counter (OTC) markets, with counterparties, consisting primarily of
foreign credit institutions, and are related to foreign-exchange, interest-rate
and equity risk. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Below is a breakdown of the net positions by
transaction type of the fair value and notional amounts of derivatives
recognized in the accompanying consolidated balance sheets, divided into
organized and OTC markets:</font></font><a name="XBRL_TS_b2893420830a4d7f9b4354619_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_10.4_006dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:21.0pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Derivatives by type of risk / by product or by type of market -&#160;
  December 2018 (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Liabilities</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notional amount
  - Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest rate</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,147</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,769</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,929,371</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,940</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,413</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">207,107</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,206</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,356</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,702,909</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,092</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,263</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,799</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,956</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">114,184</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">400</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">341</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,906</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">230</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">123</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,693</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,168</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,492</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">72,062</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,524</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign
  exchange and gold</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,355</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,693</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">432,283</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">226</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">309</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,293</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,118</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,329</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">405,659</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,286</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">232</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">393</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,452</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit default swap</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">228</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">248</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,791</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit spread option</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">500</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total return swap</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">145</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,161</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commodities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">DERIVATIVES</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,536</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,815</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,501,358</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=40% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">of which: OTC - credit institutions</font></i></font></p>
  </td>
 <td valign=bottom width=20% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,979</font></i></font></p>
  </td>
 <td valign=bottom width=20% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,729</font></i></font></p>
  </td>
 <td valign=bottom width=20% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">897,384</font></i></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=40% style="height:14.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">of which: OTC - other financial corporations</font></i></font></p>
  </td>
 <td valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,372</font></i></font></p>
  </td>
 <td valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,758</font></i></font></p>
  </td>
 <td valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,355,784</font></i></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=40% style="height:14.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">of which: OTC
  - other</font></i></font></p>
  </td>
 <td valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,005</font></i></font></p>
  </td>
 <td valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,780</font></i></font></p>
  </td>
 <td valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">148,917</font></i></font></p>
  </td>
 </tr>
</table></div>



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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_10.4_004_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:21.0pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Derivatives by type of risk / by product or by type of market -&#160;
  December 2017 (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Liabilities</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notional amount
  - Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest rate</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,606</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,546</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,152,490</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,429</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,581</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">212,554</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,177</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,965</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,916,920</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">600</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,416</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,778</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,336</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">95,573</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">495</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,118</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,140</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,158</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,200</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,129</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48,644</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,631</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign
  exchange and gold</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,371</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,729</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">380,404</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">245</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">258</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,447</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,092</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,430</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">348,857</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">104</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,997</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">489</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">517</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,181</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit default swap</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">480</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">507</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,942</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit spread option</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">200</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total return swap</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,039</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commodities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">561</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">DERIVATIVES</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,265</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,169</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,659,246</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=40% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">of which: OTC - credit institutions</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,016</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,804</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">898,209</font></i></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=40% style="height:14.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">of which: OTC - other financial corporations</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,695</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,207</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,548,919</font></i></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=40% style="height:14.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">of which: OTC
  - other</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,316</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,986</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">128,722</font></i></font></p>
  </td>
 </tr>
</table></div>



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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


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 <tr style="height:21.0pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Derivatives by type of risk / by product or by type of market -&#160;
  December 2016 (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Liabilities</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notional amount
  - Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest rate</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,770</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,322</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,556,150</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,331</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,428</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">217,958</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,339</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,792</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,296,183</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,311</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">102</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,698</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,032</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,252</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90,655</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">718</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,224</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44,837</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">109</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,312</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,205</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">937</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,795</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,712</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign
  exchange and gold</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,872</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,179</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">425,506</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">417</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">539</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,583</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,436</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,624</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">392,240</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">175</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,508</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">261</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">338</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,399</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit default swap</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">246</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">230</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,788</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit spread option</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">150</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total return swap</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">108</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,895</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,565</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commodities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">169</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,065</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">DERIVATIVES</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,955</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43,118</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#121212 face=Arial,sans-serif style="border:none;"><b><font color=#121212 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,092,945</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=40% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">of which: OTC - credit institutions</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,438</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,005</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">806,096</font></i></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=40% style="height:14.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">of which: OTC - other financial corporations</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,786</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,362</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,023,174</font></i></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=40% style="height:14.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">of which: OTC
  - other</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,404</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,694</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">175,473</font></i></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-159</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_163"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_34c4ce3243ae4e15a8ca38e41"></a><a name="_Toc105995"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">11. Non-trading financial assets mandatorily at fair value through
profit or loss</font></b></font><a name="XBRL_TS_34c4ce3243ae4e15a8ca38e41_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_07f18a53abcb46f79f10b0411"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of
the balance under this heading in the accompanying consolidated balance sheets
is as follows:</font></font><a name="XBRL_TS_07f18a53abcb46f79f10b0411_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_10_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:22.5pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-trading financial assets mandatorily at fair value through profit
  or loss (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=78% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=78% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,095</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=78% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">237</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=78% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and advances</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,803</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=78% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,135</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_e5fc0cb82cf643daa43f41a93"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This heading is included with the
implementation of IFRS 9 on January 1, 2018. Previously, this category did not
exist in IAS 39 (see Note 2.2.1 and 2.3).</font></font><a name="XBRL_TS_e5fc0cb82cf643daa43f41a93_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc376949934"></a><a name="_Toc347755847"></a><a name="_Toc331260309"></a><a name="_Toc298431711"></a><a name="_Toc299032868"></a><a name="_Toc299031529"></a><a name="_Toc299029447"></a><a name="XBRL_TS_de96dc285038423cb7b5aa59e"></a><a name="_Toc105996"></a><a name="_Toc495478125"></a><a name="_Toc481589073"></a><a name="_Toc474142248"></a><a name="_Toc457490018"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">12.&#160; Financial assets and liabilities designated at fair value
through profit or loss</font></b></font><a name="XBRL_TS_de96dc285038423cb7b5aa59e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d71f00a044fc4cf8b250bcd0f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under these
headings in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_d71f00a044fc4cf8b250bcd0f_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_11_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:20.45pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets and liabilities designated at fair value through
  profit or loss (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#E9E9E9;border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,888</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,920</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unit-linked
  products</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#E9E9E9;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,621</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,749</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#E9E9E9;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">266</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">171</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,313</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">174</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">142</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and advances </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">648</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total Assets</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,313</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,709</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,062</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">976</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt certificates</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,858</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,159</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,222</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,338</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unit-linked
  products</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,159</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,222</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,338</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total
  Liabilities</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,993</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,222</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,338</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_06e999e4daeb4e7f8bc0b095f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With the
implementation of IFRS 9 on January 1, 2018, equity instruments under this
heading have been reclassified to the heading: &#8220;Non-trading financial assets
mandatorily at fair value through profit or loss&#8221; (see Note 11).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018,
2017 and 2016, the most significant balances within financial liabilities
designated at fair value through profit or loss related to assets and
liabilities linked to insurance products where the policyholder bears the risk
(&quot;Unit-Link&quot;). This type of product is sold only in Spain, through
BBVA Seguros S.A., insurance and reinsurance and in Mexico through Seguros
Bancomer S.A. de CV.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Since the liabilities linked to insurance
products in which the policyholder assumes the risk are valued the same way as
the assets associated to these insurance products, there is no credit risk
component borne by the Group in relation to these liabilities.</font></font><a name="XBRL_TS_06e999e4daeb4e7f8bc0b095f_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc376949931"></a><a name="_Toc376972339"></a><a name="_Toc474142251"></a><a name="XBRL_TS_593d475c52f74f25bced2aec9"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-160</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_164"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">13. <a name="_Toc105997"></a>&#160;&#160;Financial assets at fair value through
other comprehensive income</font></b></font><a name="XBRL_TS_593d475c52f74f25bced2aec9_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_5d4b451f298b46769a4f79911"></a><a name="_Toc474142250"></a><a name="_Toc105998"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">13.1&#160; Balance details</font></b></font><a name="XBRL_TS_5d4b451f298b46769a4f79911_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d5e62818551d4655abfb5a2ef"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance by the main
financial instruments in the accompanying consolidated balance sheets is as
follows:</font></font><a name="XBRL_TS_d5e62818551d4655abfb5a2ef_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.1_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:20.45pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets designated at fair value through other comprehensive
  income (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,737</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66,273</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">74,739</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment losses</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(28)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(159)</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=56% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,709</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66,251</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">74,580</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,595</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,488</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,814</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment losses</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,264)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(174)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=56% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,595</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,224</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,641</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to credit entities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56,337</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69,476</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">79,221</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_e7bbc3f6e4bf4262ae011c5ce"></a><a name="_Toc105999"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-161</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_165"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">13.2&#160; Debt securities</font></b></font><a name="XBRL_TS_e7bbc3f6e4bf4262ae011c5ce_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_2a5c5fe5ef0346748c34abb14"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under the heading
&#8220;Debt securities&#8221; of the accompanying consolidated financial statements, broken
down by the nature of the financial instruments, is as follows:</font></font><a name="XBRL_TS_2a5c5fe5ef0346748c34abb14_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.2_003DIC_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:18.6pt;">
  <td colspan=5 width=100% style="background:#F3F3F3;border:none;border-bottom:solid black 1.0pt;height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets designated at fair value through other comprehensive
  income: Debt Securities. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amortized
  Cost (*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized
  Gains</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized
  Losses</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Book Value</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Domestic Debt
  Securities</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=56% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Spanish Government and other general governments agencies debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,205</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">661</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,857</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,597</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,696</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">793</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">855</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">804</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">841</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,802</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">761</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,553</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign Debt Securities</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,299</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(142)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,163</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=56% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Mexican Government and other general governments agencies debt
  securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,286</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(121)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,169</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,013</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">994</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">978</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">961</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United
  States</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,507</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(217)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,338</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Government securities
  </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,227</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(135)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,130</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">US
  Treasury and other US Government agencies</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,285</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(56)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,258</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">States and political
  subdivisions </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,942</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(79)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,872</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,280</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(82)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,208</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,231</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(82)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,158</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,164</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(269)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,916</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Turkey Government and other general governments agencies debt
  securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,007</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(256)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,771</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">157</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">145</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">157</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">145</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other countries</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,551</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">319</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(130)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,740</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other foreign governments and other general governments agencies debt
  securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,510</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">173</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(82)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,601</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,041</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">146</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(48)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,139</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">987</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">986</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,856</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">111</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,947</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,197</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,206</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,521</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">392</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(758)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,157</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,323</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,153</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(768)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,709</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_714cf67795fd48a9861f27f5f"></a><a name="XBRL_TS_372fb6bf5a2e4e2b851fcc431"></a><a name="XBRL_TS_f4acb943ba864e8180d574157"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160;
The amortized cost includes portfolio gains/losses linked to insurance
contracts in which the policyholder assumes the risk in case of redemption.</font></font><a name="XBRL_FS_714cf67795fd48a9861f27f5f_bclEnd"></a><a name="XBRL_TS_372fb6bf5a2e4e2b851fcc431_bclEnd"></a><a name="XBRL_TS_f4acb943ba864e8180d574157_bclEnd"></a><font style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-162</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_166"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.2_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:18.6pt;">
  <td colspan=5 width=100% style="background:#F3F3F3;border:none;border-bottom:solid black 1.0pt;height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Available-for-sale financial assets: Debt Securities. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amortized
  Cost (*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized
  Gains</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized
  Losses</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Book Value</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Domestic Debt
  Securities</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td width=56% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Spanish Government and other general governments agencies debt
  securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,765</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">791</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,539</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,951</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">114</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,066</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">891</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">72</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">962</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,061</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,103</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,716</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">906</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(17)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,605</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign Debt
  Securities</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,755</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(142)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,658</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=56% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Mexican Government and other general governments agencies debt
  securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,101</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(120)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,015</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,654</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(22)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,643</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">212</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">209</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,442</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,434</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United
  States</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,479</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(198)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,317</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Government securities
  </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,625</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(133)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,500</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">US
  Treasury and other US Government agencies</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,052</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(34)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,018</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">States and political
  subdivisions </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,573</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(99)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,482</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,854</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(65)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,817</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">57</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,798</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(65)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,759</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,052</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(115)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,985</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Turkey Government and other general governments agencies debt
  securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,033</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(114)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,967</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other countries</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,271</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">533</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(117)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,687</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other foreign governments and other general governments agencies debt
  securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,774</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">325</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(77)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,022</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,497</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">208</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(40)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,664</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,330</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,331</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,535</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">139</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,654</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,632</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,679</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,557</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">661</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(572)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,647</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">65,273</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,567</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(589)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66,251</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_6c0cf67d80804df6aa98514f0"></a><a name="XBRL_TS_caf499d0752f46a28d53a09e1"></a><a name="XBRL_TS_9b640ec7f23d4ed8b002a87e2"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160;
The amortized cost includes portfolio gains/losses linked to insurance
contracts in which the policyholder assumes the risk in case of redemption.</font></font><a name="XBRL_FS_6c0cf67d80804df6aa98514f0_bclEnd"></a><a name="XBRL_TS_9b640ec7f23d4ed8b002a87e2_bclEnd"></a><a name="XBRL_TS_caf499d0752f46a28d53a09e1_bclEnd"></a><font style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-163</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_167"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.2_004anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:17.45pt;">
  <td colspan=5 width=100% style="background:#F3F3F3;border:none;border-bottom:solid black 1.0pt;height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Available-for-sale financial assets: Debt Securities. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amortized
  Cost (*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized
  Gains</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized
  Losses</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Book Value</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Domestic Debt
  Securities</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td width=56% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Spanish Government and other general governments agencies debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,427</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">711</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,119</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,305</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">117</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,421</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">986</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,067</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,319</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,354</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,731</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">828</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(19)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,540</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign Debt Securities</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,525</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(343)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,200</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=56% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Mexican Government and other general governments agencies debt
  securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,728</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(301)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,438</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,797</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(42)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,763</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">86</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,710</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(41)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,675</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United
  States</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,256</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(261)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,043</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Government securities
  </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,460</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(131)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,337</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">US
  Treasury and other US Government agencies</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,702</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,683</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">States and political
  subdivisions </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,758</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(112)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,654</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,797</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(130)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,706</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">95</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">97</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,702</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(130)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,609</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,550</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">73</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(180)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,443</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Turkey Government and other general governments agencies debt
  securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,055</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">70</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(164)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,961</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">495</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(16)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">482</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central
  Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">448</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">436</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other countries</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,923</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">634</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(203)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,354</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other foreign governments and other general government agencies debt
  securities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,882</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">373</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(98)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,156</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,041</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">261</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(105)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,197</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by Central Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,657</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,659</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by credit
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,269</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(54)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,311</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Issued by other
  issuers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,115</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">161</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(49)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,227</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49,253</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">773</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(987)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49,040</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">73,985</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,601</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,006)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">74,580</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_d1f1fd6a7fcd4add83559b434"></a><a name="XBRL_TS_548852b53f0e4e5a957e33f28"></a><a name="XBRL_TS_b3fe981551e446ebb32f038b8"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160;
The amortized cost includes portfolio gains/losses linked to insurance
contracts in which the policyholder assumes the risk in case of redemption.</font></font><a name="XBRL_FS_d1f1fd6a7fcd4add83559b434_bclEnd"></a><a name="XBRL_TS_548852b53f0e4e5a957e33f28_bclEnd"></a><a name="XBRL_TS_b3fe981551e446ebb32f038b8_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f093e3dbb56549659d0a30192"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The credit ratings of the issuers of debt
securities as of December 31, 2018, 2017 and 2016, are as follows:</font></font><a name="XBRL_TS_f093e3dbb56549659d0a30192_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.1_007_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.6pt;">
  <td colspan=7 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt Securities by
  Rating</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td valign=bottom width=34% style="border:none;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.9pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair Value</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Millions of Euros)</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair Value</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Millions of Euros)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair Value</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Millions of Euros)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AAA</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">531</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.0%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">687</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.0%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,922</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.6%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA+</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,100</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24.4%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,738</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16.2%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,172</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">222</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.4%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">507</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.8%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">594</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.8%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">409</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.8%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">291</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.4%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">575</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.8%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A+</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">632</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.2%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">664</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.0%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,230</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.6%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">687</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.3%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">683</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.0%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,442</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,426</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34.3%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,330</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2.0%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,719</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB+</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,195</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17.1%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,175</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53.1%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,569</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39.6%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,607</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8.6%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,958</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12.0%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,233</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,003</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.9%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,583</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8.4%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,809</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9.1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BB+ or below</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,453</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8.3%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,564</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2.4%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,055</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2.8%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Without rating</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">445</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.8%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,071</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.6%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,261</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,709</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100%</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66,251</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100.0%</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">74,580</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100.0%</font></b></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-164</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_168"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_61ea4463fea448a5b17a49352"></a><a name="_Toc376949932"></a><a name="_Toc376972340"></a><a name="_Toc474142252"></a><a name="_Toc106000"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">13.3&#160; Equity
instruments</font></b></font><a name="XBRL_TS_61ea4463fea448a5b17a49352_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_09decf508ec2405e8e9ff3377"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under the heading
&quot;Equity instruments&quot; of the accompanying consolidated financial
statements as </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">of December 31, 2018, 2017 and 2016, are as
follows:</font></font><a name="XBRL_TS_09decf508ec2405e8e9ff3377_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.2_011DIC_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:17.45pt;">
  <td colspan=5 width=100% style="background:#F3F3F3;border:none;border-bottom:solid black 1.0pt;height:17.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets designated at fair value through other comprehensive
  income: Equity Instruments. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amortized
  Cost</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized Gains</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized
  Losses</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair Value</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity
  instruments listed</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Listed Spanish
  company shares</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,172</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(210)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,962</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other entities</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,172</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(210)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,962</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Listed foreign
  company shares</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">121</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other countries</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,262</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(222)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,083</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unlisted equity
  instruments</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unlisted Spanish
  company shares</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other entities</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unlisted foreign
  companies shares </font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">453</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">506</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">388</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">411</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other countries</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">85</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">459</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">513</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,721</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(223)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,595</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.2_009_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:17.1pt;">
  <td colspan=5 nowrap width=100% style="background:#F3F3F3;border:none;border-bottom:solid black 1.0pt;height:17.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Available-for-sale financial assets: Equity Securities. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amortized
  Cost</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized
  Gains</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized
  Losses</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair Value</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity
  instruments listed</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Listed Spanish
  company shares</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,189</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,188</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other entities</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,189</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,188</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=56% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Listed foreign
  company shares</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">215</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">241</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other countries</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">192</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">192</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,404</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(8)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,429</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unlisted equity
  instruments</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unlisted Spanish company shares</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other entities</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=56% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unlisted foreign
  companies shares </font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">665</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">77</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">734</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">498</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">532</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other countries</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">151</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">182</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">698</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">106</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(8)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">796</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,102</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">139</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(16)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,224</font></b></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-165</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_169"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.2_010anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=5 nowrap width=100% style="background:#F3F3F3;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Available-for-sale financial assets: Equity Securities. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amortized
  Cost</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized
  Gains</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unrealized
  Losses</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair Value</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity
  instruments listed</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Listed Spanish
  company shares</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,690</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(944)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,763</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other entities</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,690</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(944)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,763</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Listed foreign
  company shares</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">793</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">289</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,066</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">41</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other countries</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">763</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">234</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">981</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,483</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">306</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(960)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,829</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unlisted equity
  instruments</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unlisted Spanish
  company shares</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">57</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other entities</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=56% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&#160;&#160; Unlisted foreign
  companies shares </font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">708</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">752</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">537</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">550</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other countries</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">152</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">178</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">766</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">811</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,248</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">355</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(962)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,641</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_d55841f6f4a44968b61bb5a2d"></a><a name="_Toc376949933"></a><a name="_Toc376972341"></a><a name="_Toc474142253"></a><a name="_Toc106001"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">13.4&#160;
Gains/losses</font></b></font><a name="XBRL_TS_d55841f6f4a44968b61bb5a2d_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_e1e2f0080fae4893903559455"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Debt securities</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The changes in the gains/losses, net of taxes,
recognized in 2018 under the equity heading &#8220;Accumulated other comprehensive
income &#8211; Items that may be reclassified to profit or loss - Financial assets at
fair value through other comprehensive income&#8221; in the accompanying consolidated
balance sheets are as follows:</font></font><a name="XBRL_TS_e1e2f0080fae4893903559455_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.3_013_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:24.0pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Accumulated other comprehensive income-Items that may be reclassified
  to profit or loss - Financial assets at fair value through other
  comprehensive income&#160; (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td width=78% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,557</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Effect of changes in accounting policies (IFRS 9)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(58)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Valuation gains and
  losses</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(640)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amounts transferred
  to income</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(137)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Income tax</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">221</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">943</font></b></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-166</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_170"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_7882b81ffa184fa4aaa480c50"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In 2018</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">, the debt
securities impaired recognized in the heading &#8220;Impairment or reversal of
impairment on financial assets not measured at fair value through profit or
loss - </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial assets at fair value through other comprehensive income</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&#8221; </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">in the
accompanying consolidated income statement amounted to &#8364;1 million. In 2017 the
recovery recognized amounted &#8364;4 million; meanwhile, in 2016 the impairment
recognized amounted &#8364;157 million (see Note 47).</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Equity
instruments</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The changes in the gains/losses, net of taxes,
recognized under the equity heading &#8220;Accumulated other comprehensive income &#8211;
Items that will not be reclassified to profit or loss - Fair value changes of
equity instruments measured at fair value through other comprehensive income&#8221;
in the accompanying consolidated balance sheets are as follows:</font></font><a name="XBRL_TS_7882b81ffa184fa4aaa480c50_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.3_013C_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:16.15pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:16.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Accumulated other comprehensive income-Items that may be reclassified
  to profit or loss - Financial assets at fair value through other
  comprehensive income&#160; (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td width=78% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Effect of changes in accounting policies (IFRS 9)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004FA4 face=Arial,sans-serif style="border:none;"><font color=#004FA4 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(40)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Valuation gains and
  losses</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004FA4 face=Arial,sans-serif style="border:none;"><font color=#004FA4 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(174)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amounts transferred
  to income</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004FA4 face=Arial,sans-serif style="border:none;"><font color=#004FA4 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004FA4 face=Arial,sans-serif style="border:none;"><font color=#004FA4 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Income tax</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004FA4 face=Arial,sans-serif style="border:none;"><font color=#004FA4 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=78% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(155)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_1c012d316d6848a485bcb98ed"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In 2018</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">, there has been
no impairment recognized under the heading &#8220;Impairment or reversal of
impairment on financial assets not measured at fair value through profit or
loss - </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial assets at fair value through other comprehensive income</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&#8221; </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">in the
accompanying consolidated income statement. In 2017 and 2016 the impairment
recognized were &#8364;1,131 and &#8364;46 million, respectively (see Note 47).</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Years
2017 and 2016</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">2017 and 2016 are presented separately due to
the implementation of IFRS 9:</font></font><a name="XBRL_TS_1c012d316d6848a485bcb98ed_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.3_013B_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:31.5pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Accumulated other comprehensive income-Items that may be reclassified
  to profit or loss - Available-for-Sale Financial Assets (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td width=68% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=68% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning </font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">947</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,674</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=68% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Valuation gains and
  losses</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">321</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">400</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=68% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amounts transferred
  to income</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">356</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,181)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=68% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=68% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Income tax</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(62)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=68% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,641</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">947</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=68% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=68% style="height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt
  securities</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,557</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,629</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=68% style="height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity
  instruments</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(682)</font></i></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-167</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_171"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_7ff18fa43d414bf5a87a94aab"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">14. </font></b></font><a name="_Toc106002"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">&#160;&#160;Financial
assets at amortized cost</font></b></font><a name="XBRL_TS_7ff18fa43d414bf5a87a94aab_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_fdc2ba52f8354c64880900455"></a><a name="_Toc106003"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">14.1&#160; Balance details</font></b></font><a name="XBRL_TS_fdc2ba52f8354c64880900455_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_19377600131c447c9a98208ef"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">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:</font></font><a name="XBRL_TS_19377600131c447c9a98208ef_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_13.1_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at amortized cost (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December&#160;&#160;&#160;&#160;&#160;
  </font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December </font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December </font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,530</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,093</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,905</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to central banks</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,941</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,300</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,894</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to credit institutions</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,163</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,261</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,373</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to customers</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">374,027</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">387,621</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">414,500</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Government</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,114</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,645</font></font></p>
  </td>
 <td nowrap width=11% style="background:#D9D9D9;border:none;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="height:12.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,468</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,173</font></font></p>
  </td>
 <td nowrap width=11% style="background:#D9D9D9;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="height:12.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">163,922</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">164,510</font></font></p>
  </td>
 <td nowrap width=11% style="background:#D9D9D9;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">172,522</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">173,293</font></font></p>
  </td>
 <td nowrap width=11% style="background:#D9D9D9;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">419,660</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">445,275</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">483,672</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_9fdbbe8fe8a34e93b4050cc6c"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">During
financial year 2018, there have been no significant reclassifications neither
from &#8220;Financial assets at amortized cost&#8221; to other headings or from other
headings to &#8220;Financial assets at amortized cost&#8221;.</font></font><a name="XBRL_TS_9fdbbe8fe8a34e93b4050cc6c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_fe62c854611a4f27bfc046440"></a><a name="_Toc106007"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">14.2&#160; Loans and advances to central banks and credit institutions</font></b></font><a name="XBRL_TS_fe62c854611a4f27bfc046440_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_1323507cfa2f480b8723247d3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance
under this heading in the accompanying consolidated balance sheets, according
to their nature, is as follows:</font></font><a name="XBRL_TS_1323507cfa2f480b8723247d3_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_13.1_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and Advances to Central Banks and Credit Institutions (Millions
  of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=58% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to central banks</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,941</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,300</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,894</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,163</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,261</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,373</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=58% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Reverse repurchase
  agreements</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35 </font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">478</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,861</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,561</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other loans</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,685</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,400</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,812</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=58% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total&#160; </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,104</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33,561</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,267</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=58% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><i><font color=#094FA4 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=58% style="height:14.25pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment
  losses</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.5 / 7.3.2</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(18)</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(36)</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(43)</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_c51e229712e142059e4d9029a"></a><a name="_Toc106008"></a><a name="_Toc376972344"></a><a name="_Toc376949936"></a><a name="_Toc474142256"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">14.3&#160; Loans and advances to customers</font></b></font><a name="XBRL_TS_c51e229712e142059e4d9029a_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f30d1625892b4c828cffcb9c7"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance
under this heading in the accompanying consolidated balance sheets, according
to their nature, is as follows:</font></font><a name="XBRL_TS_f30d1625892b4c828cffcb9c7_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_13.1_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and Advances to Customers (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.45pt;">
  <td width=58% style="border:none;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">On demand and short notice</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:20.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,641</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,560</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,251</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=58% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit card debt</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,445</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,835</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,596</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=58% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Trade receivables</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,436</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,705</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,753</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=58% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Finance leases</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,650</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,642</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,442</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=58% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Reverse repurchase loans</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">294</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,554</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,291</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=58% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other term loans</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">324,767</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">313,336</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">339,862</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Advances that are not loans</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,794</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,989</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,306</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=58% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">374,027</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">387,621</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">414,500</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=58% style="border:none;height:13.9pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=58% style="height:12.6pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impaired
  assets</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.5</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,349</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,390</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,915</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=58% style="height:12.6pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment
  losses</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.5 / 7.3.2</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12,199)</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12,748)</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(15,974)</font></i></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-168</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_172"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_3a065363c9b74f8b996b1bce2"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017
and 2016, 38%, 38% and 34%, respectively, of &quot;Loans and advances to
customers&quot; with maturity greater than one year have fixed-interest rates
and 62%, 62% and 66%, respectively, have variable interest rates.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The heading &#8220;Financial assets at
amortized cost &#8211; Loans and advances to customers&#8221; in the accompanying
consolidated balance sheets also includes certain secured loans that, as
pursuant to the Mortgage Market Act, are linked to long-term mortgage-covered
bonds. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">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:</font></font><a name="XBRL_TS_3a065363c9b74f8b996b1bce2_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_13.1_005_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:17.1pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:17.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Securitized Loans (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=67% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Securitized mortgage assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,556</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,950</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,512</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other securitized
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,221</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,143</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,731</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,777</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33,093</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33,243</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_7f79cfbc891f4eadbf9a8ad24"></a><a name="_Toc106009"></a><a name="_Toc376972345"></a><a name="_Toc376949937"></a><a name="_Toc474142257"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">14.4&#160; Debt securities</font></b></font><a name="XBRL_TS_7f79cfbc891f4eadbf9a8ad24_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_e45edd1ca897404fac5505a22"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance
under this heading in the accompanying consolidated balance sheets, according
to the issuer of the debt securities, is as follows:</font></font><a name="XBRL_TS_e45edd1ca897404fac5505a22_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_13.1_006_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.6pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Debt securities (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:20.45pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=58% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Government</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,014</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,030</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,736</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=58% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">644</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,152</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,688</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other sectors </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,872</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,911</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,481</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=58% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total gross</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,530</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,093</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,905</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=58% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=58% style="height:13.15pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment
  losses</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(51)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:center;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_877db7badfd14de087a52b12f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017
and 2016, the credit ratings of the issuers of debt securities classified as
follows:</font></font><a name="XBRL_TS_877db7badfd14de087a52b12f_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_13.3_011_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.15pt;">
  <td colspan=7 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at amortized cost. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt Securities by
  Rating</font></font></p>
  </td>
 </tr>
<tr style="height:25.9pt;">
  <td width=17% style="border:none;height:25.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:25.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:25.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:25.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:25.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:25.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid black 1.0pt;height:25.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:46.9pt;">
  <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:46.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:46.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Carrying amount</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Millions of Euros)</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:46.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:46.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Carrying amount</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Millions of Euros)</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:46.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:46.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Carrying amount</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Millions of Euros)</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid black 1.0pt;height:46.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AAA</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.2%</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA+</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,969</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.1%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.2%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.3%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=13% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.2%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">AA-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.0%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">134</font></font></p>
  </td>
 <td nowrap width=13% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.8%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A+</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">607</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.9%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.4%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.1%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">A-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,117</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18.8%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB+</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,894</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42.7%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,667</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">41.2%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,472</font></font></p>
  </td>
 <td nowrap width=13% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59.2%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,623</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5.0%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,412</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17.5%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">591</font></font></p>
  </td>
 <td nowrap width=13% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBB-</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,694</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8.3%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,818</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20.5%</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,187</font></font></p>
  </td>
 <td nowrap width=13% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29.3%</font></font></p>
  </td>
 </tr>
<tr style="height:20.45pt;">
  <td nowrap width=17% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BB+ or below</font></font></p>
  </td>
 <td nowrap width=14% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,371</font></font></p>
  </td>
 <td nowrap width=14% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13.4%</font></font></p>
  </td>
 <td nowrap width=14% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,696</font></font></p>
  </td>
 <td nowrap width=14% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12.3%</font></font></p>
  </td>
 <td nowrap width=14% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Without rating</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,123</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.5%</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,064</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.7%</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,270</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.2%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=17% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,530</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100.0%</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,754</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100.0%</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,696</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100.0%</font></b></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-169</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_173"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f610d458d5514aafb2311bf80"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In 2016, according to the
applicable accounting policy, some debt securities were reclassified between
existing accounts from such policy (from &#8220;Available for sale financial assets&#8221;
to &#8220;Loans and receivables&#8221; and &#8220;Held-to-maturity investments&#8221; of the
consolidated balance sheet. As mentioned in Note 1.3, on January 1, 2018, IFRS
9 became effective, therefore, the debt securities previously reclassified are
recorded under &#8220;Financial assets at amortized cost&#8221; in the consolidated balance
sheet as of December 31, 2018. The following table shows the fair value and
carrying amounts of these reclassified financial assets:</font></font><a name="XBRL_TS_f610d458d5514aafb2311bf80_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_13.3_009_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.9pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Debt Securities reclassified (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=14% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">As of
  Reclassification date</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">As of
  December 31, 2018</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">As of
  December 31, 2017</font></b></font></p>
  </td>
 <td colspan=2 width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">As of
  December 31, 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Carrying
  Amount</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair Value</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Carrying
  Amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair Value</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Carrying
  Amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair Value</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Carrying
  Amount</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair Value</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,024</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,024</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,467</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,486</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,236</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,286</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,433</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,498</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">TURKIYE GARANTI
  BANKASI, A.S</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,488</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,488</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,859</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,668</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,381</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,392</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,230</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,083</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,512</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,512</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,326</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,154</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,617</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,678</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,663</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,581</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_8b984defa35846cb9bfde430e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 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 &#8220;Total Equity -
Accumulated other comprehensive income&#8221;, if the reclassification was not performed
is included in the following table.</font></font><a name="XBRL_TS_8b984defa35846cb9bfde430e_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_13.3_010_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.45pt;">
  <td colspan=10 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Effect on Income Statement and Other Comprehensive Income (Millions of
  euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=14% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 width=30% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td colspan=3 width=28% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td colspan=3 width=28% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=14% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=navy face=Arial,sans-serif style="border:none;"><font color=navy face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Recognized in</font></b></font></p>
  </td>
 <td colspan=2 width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Effect of not Reclassifying in</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Recognized in</font></b></font></p>
  </td>
 <td colspan=2 width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Effect of not Reclassifying in</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Recognized in</font></b></font></p>
  </td>
 <td colspan=2 width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Effect of not Reclassifying in</font></b></font></p>
  </td>
 </tr>
<tr style="height:39.0pt;">
  <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Income
  Statement</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Income
  Statement</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Equity</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&quot;Accumulated other comprehensive income&quot;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Income
  Statement</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Income
  Statement</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Equity</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&quot;Accumulated other comprehensive income&quot;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Income
  Statement</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Income
  Statement</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Equity</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&quot;Accumulated other comprehensive income&quot;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BBVA, S.A.</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">198</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">198</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(14)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">252</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">252</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(91)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">TURKIYE GARANTI
  BANKASI, A.S</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">414 </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">414 </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(172)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">545</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">545</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(16)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">326</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">326</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(225)</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">456</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">456</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(173)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">743</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">743</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(30)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">578</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">578</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(316)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:14.0pt;margin-left:42.55pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-42.55pt;"><a name="XBRL_TS_fa24f84d82af4e8997b35ff1d"></a><a name="_Toc106010"></a><a name="_Toc495478129"></a><a name="_Toc481589077"></a><a name="_Toc474142259"></a><a name="_Toc457490022"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">15.&#160;&#160;&#160; Hedging derivatives
and fair value changes of the hedged items in portfolio hedges of interest rate
risk</font></b></font><a name="XBRL_TS_fa24f84d82af4e8997b35ff1d_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_08df30917d7445169d4240621"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balance of these headings in the
accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_08df30917d7445169d4240621_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_15.1_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:27.0pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Derivatives &#8211; Hedge accounting and fair value changes of the hedged
  items in portfolio hedge of interest rate risk (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=67% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Hedging Derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,892</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,485</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,833</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of the hedged items in portfolio hedges of interest
  rate risk</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=67% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Hedging Derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,680</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,880</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,347</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=67% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of the hedged items in portfolio hedges of interest
  rate risk</font></font></p>
  </td>
 <td nowrap width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_dc9b825760314f32a0127e0d4"></a><a name="XBRL_CS_64e341467f8e4b5ab816a854c"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-170</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_174"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As
of December 31, 2018, 2017 and 2016, the main positions hedged by the Group and
the derivatives designated to hedge those positions were:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Fair value hedging:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:2.0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- Fixed-interest debt securities </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">at fair
value through other comprehensive income </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">and at amortized cost: The
interest rate risk of these securities is hedged using interest rate
derivatives (fixed-variable swaps) and forward sales.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:2.0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Long-term fixed-interest debt securities issued
by the Bank: the interest rate risk of these securities is hedged using
interest rate derivatives (fixed-variable swaps).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:2.0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Fixed-interest loans: The equity price risk of
these instruments is hedged using interest rate derivatives (fixed-variable
swaps).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:2.0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">- </font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Fixed-interest and/or embedded derivative
deposit portfolio hedges: it covers the interest rate risk through
fixed-variable swaps. The valuation of the borrowed deposits corresponding to
the interest rate risk is in the heading &quot;Fair value changes of the hedged
items in portfolio hedges of interest rate risk&#8221;.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Cash-flow hedges: Most of the hedged items are floating
interest-rate loans and asset hedges linked to the inflation of the financial
assets at fair value through other comprehensive income portfolio. This risk is
hedged using foreign-exchange, interest-rate swaps, inflation and FRA&#8217;s
(&#8220;Forward Rate Agreement&#8221;). </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Net foreign-currency investment hedges: These hedged risks are
foreign-currency investments in the Group&#8217;s foreign subsidiaries. This risk is
hedged mainly with foreign-exchange options and forward currency sales and
purchases.</font></font><a name="XBRL_CS_64e341467f8e4b5ab816a854c_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Note 7 analyzes the Group&#8217;s main
risks that are hedged using these derivatives.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The details of the net positions by
hedged risk of the fair value of the hedging derivatives recognized in the
accompanying consolidated balance sheets are as follows:</font></font><a name="XBRL_TS_dc9b825760314f32a0127e0d4_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_15.2_002dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:18.0pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Hedging Derivatives Breakdown by type of risk and type of hedge (Millions
  of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=26% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.6pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:33.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:33.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Liabilities</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Liabilities</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Liabilities</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Interest rate</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">982</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">513</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,141</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">850</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,154</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">974</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">158</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">111</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">125</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">118</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">978</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">355</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,041</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">739</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,029</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">856</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Equity</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">50</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">50</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Foreign
  exchange and gold</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">587</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">398</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">625</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">511</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">817</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">553</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">587</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">398</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">625</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">511</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">817</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">553</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Credit</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Commodities</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">FAIR VALUE
  HEDGES</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,575</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">912</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,766</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,362</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,970</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,577</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Interest rate</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">221</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">562</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">244</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">533</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">194</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">358</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">219</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">562</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">242</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">533</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">186</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">358</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Organized market
  other</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Equity</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Foreign
  exchange and gold</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">955</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">873</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">119</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">714</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">248</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">118</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTC options</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">89</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">70</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">OTC other</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">955</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">873</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">119</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">714</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">160</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">48</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Organized market
  options</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Organized market other</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Credit</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Commodities</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">CASH FLOW
  HEDGES</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,176</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,435</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">363</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,247</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">442</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">476</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.9pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">92</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">231</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">301</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">362</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">79</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.9pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">PORTFOLIO FAIR VALUE HEDGES OF INTEREST RATE RISK</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">33</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">90</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">256</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">55</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">214</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.9pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">PORTFOLIO CASH FLOW HEDGES OF INTEREST RATE RISK</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">DERIVATIVES-HEDGE
  ACCOUNTING</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,892</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,680</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,485</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,880</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,833</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,347</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">of which: OTC - credit institutions</font></i></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,534</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,462</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,829</font></i></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,527</font></i></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,381</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,103</font></i></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">of which: OTC - other financial corporations</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">355</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">216</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">651</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">234</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">435</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">165</font></i></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=26% style="height:8.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">of which: OTC
  - other</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">120</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">79</font></i></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-171</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_175"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c24f94271bb84269872f9029b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The cash flows forecasts for
the coming years for cash flow hedging recognized on the accompanying
consolidated balance sheet as of December 31, 2018 are:</font></font><a name="XBRL_TS_c24f94271bb84269872f9029b_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_15.1_006_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:21.0pt;">
  <td colspan=6 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash Flows of Hedging Instruments (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=45% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 Months or
  Less</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">From 3 Months
  to 1 Year</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">From 1 to 5
  Years</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">More than 5
  Years</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=45% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Receivable cash
  inflows</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">277</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,828</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,181</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,401</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Payable cash outflows</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">139</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">517</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,215</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,221</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,092</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_ff0405c62d974f68a3a75b278"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The above cash flows will have
an impact on the Group&#8217;s consolidated income statements until 2058. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In 2018, 2017 and 2016, there was
no reclassification in the accompanying consolidated income statements of any
amount corresponding to cash flow hedges that was previously recognized in
equity (see Note 41). </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amount for derivatives
designated as accounting hedges that did not pass the effectiveness test in
December 31, 2018, 2017 and 2016 were not material.</font></font><a name="Nota_16"></a><a name="Nota_16_bclEnd"></a><a name="XBRL_TS_ff0405c62d974f68a3a75b278_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc376949950"></a><a name="_Toc347755853"></a><a name="_Toc331260315"></a><a name="_Toc299032874"></a><a name="_Toc299031535"></a><a name="_Toc299029453"></a><a name="_Toc298431717"></a><a name="XBRL_TS_32dbbe03f42e43df9f2d6427a"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">16. </font></b></font><a name="_Toc106012"></a><a name="_Toc495478130"></a><a name="_Toc481589078"></a><a name="_Toc474142260"></a><a name="_Toc457490023"></a><a name="_Toc376949949"></a><a name="_Toc347755852"></a><a name="_Toc331260314"></a><a name="_Toc299032873"></a><a name="_Toc299031534"></a><a name="_Toc299029452"></a><a name="_Toc298431716"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">&#160;&#160;Investments in joint
ventures, associates</font></b></font><a name="XBRL_TS_32dbbe03f42e43df9f2d6427a_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_33d09266bf7947b3a7ec4c335"></a><a name="_Toc106013"></a><a name="_Toc474142261"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">16.1&#160; Joint venture</font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">s and associates</font></b></font><a name="XBRL_TS_33d09266bf7947b3a7ec4c335_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_3ce15175048c47c7aded99a4b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance of &#8220;Investments in
joint ventures and associates&#8221; (see Note 2.1) in the accompanying consolidated
balance sheets is as follows:</font></font><a name="XBRL_TS_3ce15175048c47c7aded99a4b_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_16_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Joint Ventures and Associates Entities. Breakdown by entities (Millions
  of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.9pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Joint ventures</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fideic F 403853 5
  BBVA Bancom Ser.Zibata</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fideicomiso 1729
  Invex Enajenacion de Cartera</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">57</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">PSA Finance Argentina
  Compa&#241;ia Financier</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Altura Markets, S.V., S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">RCI Colombia</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other joint ventures</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">79</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=67% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">173</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">256</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">229</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Associates
  Entities</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Metrovacesa Suelo y
  Promoci&#243;n, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">508</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">697</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">208</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Testa Residencial
  SOCIMI, S.A.U.</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">444</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Metrovacesa Promoci&#243;n
  y Arrendamientos, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Atom Bank, PLC</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">138</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Divarian Propiedad
  S.A.U.</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">591</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Servired</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other associates</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">159</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=67% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,405</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,332</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">536</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,578</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,588</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">765</font></b></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-172</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_176"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_de21200aabef495b84c6f53ae"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Details of the joint ventures and associates as
of December 31, 2018 are shown in Appendix II.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The following is
a summary of the changes in the in December 31, 2018, 2017 and 2016 under this
heading in the accompanying consolidated balance sheets:</font></font><a name="XBRL_TS_de21200aabef495b84c6f53ae_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_16_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Joint Ventures and Associates Entities. Changes in the Year (Millions
  of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,588</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">765</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">879</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Acquisitions and
  capital increases</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">309</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">868</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">456</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Disposals and capital
  reductions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(516)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(91)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Transfers and changes of consolidation method</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">211</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(351)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Share of profit and loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange differences</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(29)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(34)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Dividends, valuation adjustments and others</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(118)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,578</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,588</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">765</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_b22cebe41478408b91a6845c4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
variation during the year 2018 is mainly explained by the decrease of BBVA
Group stakes in Testa Residencial, S.A., Metrovacesa Suelo y Promoci&#243;n, S.A.
and Divarian Propiedad, S.A.U. (see Note 3 and Appendix III).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The variation during the year 2017 is mainly explained by the
increase of BBVA Group stakes in Testa Residencial, S.A. and Metrovacesa Suelo y
Promoci&#243;n, S.A. through its contribution to the capital increases carried out
by both entities by contributing assets from the Bank&#8217;s real estate assets (see
Note 21).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">During the
year 2016, two capital increases in Metrovacesa, S.A. were made through a debt
swap and a contribution of real estate assets, which provided the Group 357
million euros, after this there was a partial Split of Metrovacesa, S.A. in
favor of a beneficiary company from a new constitution denominated Metrovacesa
Suelo y Promocion, S.A. In the fourth quarter of the year 2016, there was a
total split of Metrovacesa, S.A. through its extinction and division of its
patrimony in three parts, two of which merged with Merlin Properties, SOCIMI,
S.A. and Testa Residencial, SOCIMI, S.A. As result of the previous mentioned
splits, the Group received equity interests in the corresponding beneficiary
companies, <a name="XBRL_CS_0cdb34b80f834ba6be099c0c1"></a>6.41%<a name="XBRL_CS_0cdb34b80f834ba6be099c0c1_bclEnd"></a> of its capital was
received, having been transferred to the heading &quot;Available-for-sale&#8221; of
the consolidated financial assets as of December 31, 2016.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Appendix
III provides notifications on acquisitions and disposals of holdings in subsidiaries,
joint ventures and associates, in compliance with Article 155 of the
Corporations Act and Article 53 of the Securities Market Act 24/1988.</font></font><a name="_Toc376949946"></a><a name="_Toc376972354"></a><a name="_Toc474142262"></a><a name="_Toc106014"></a><a name="_Toc106015"></a><a name="XBRL_TS_b22cebe41478408b91a6845c4_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_16d7ba7d91dc476284a05fdb0"></a><a name="_Toc106016"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-173</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_177"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">16.2&#160; Other information
about associates and joint ventures</font></b></font><a name="XBRL_TS_16d7ba7d91dc476284a05fdb0_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_a9a8949c1feb4b9f96cc25b75"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">If these entities had been
consolidated rather than accounted for using the equity method, the change in
each of the lines of balance sheet and the consolidated income statement would
not be significant.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and
2016 there was no financial support agreement or other contractual commitment
to associates and joint ventures entities from the holding or the subsidiaries that
are not recognized in the financial statements (see Note 53.2). </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and
2016 there was no contingent liability in connection with the investments in
joint ventures and associates (see Note 53.2).</font></font><a name="XBRL_TS_a9a8949c1feb4b9f96cc25b75_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_640d2c34b2f341e3925cd571c"></a><a name="_Toc106017"></a><a name="_Toc376949948"></a><a name="_Toc376972356"></a><a name="_Toc474142263"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">16.3&#160; Impairment</font></b></font><a name="XBRL_TS_640d2c34b2f341e3925cd571c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_27f9c35f4c7240e39b275f156"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As described in IAS 36, when
there is indicator of impairment, the book value of the associates and joint
venture entities should be compared with their recoverable amount, being the
latter calculated as the higher between the value in use and the fair value
minus the cost of sale. As of December 31, 2018, 2017 and 2016, there were no
significant impairments recognized.</font></font><a name="XBRL_TS_27f9c35f4c7240e39b275f156_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc376949954"></a><a name="_Toc347755855"></a><a name="_Toc331260317"></a><a name="_Toc299032876"></a><a name="_Toc299031537"></a><a name="_Toc299029455"></a><a name="_Toc298431719"></a><a name="XBRL_TS_6aa74aa5a24649dab95e1f213"></a><a name="_Toc106018"></a><a name="_Toc505355950"></a><a name="_Toc495478131"></a><a name="_Toc481589079"></a><a name="_Toc474142264"></a><a name="_Toc457490024"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">17.&#160;&#160; Tangible
assets</font></b></font><a name="XBRL_TS_6aa74aa5a24649dab95e1f213_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_80a343e2ff6740cbb89506c14"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown and movement of the balance and
changes of this heading in the accompanying consolidated balance sheets,
according to the nature of the related items, is as follows:</font></font><a name="XBRL_TS_80a343e2ff6740cbb89506c14_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_17.1_001anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:20.45pt;">
  <td colspan=9 style="background:#E9E9E9;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Tangible Assets: Breakdown by Type of Assets and Changes in the year
  2018. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(Millions of euros)</font></font></p>
  </td>
 <td height=27 style="border:none;height:20.45pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="border:none;border-top:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-top:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">For Own Use</font></b></font></p>
  </td>
 <td rowspan=3 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total tangible asset of Own Use</font></b></font></p>
  </td>
 <td rowspan=3 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Investment
  Properties</font></b></font></p>
  </td>
 <td rowspan=3 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Assets Leased out under an Operating Lease</font></b></font></p>
  </td>
 <td rowspan=3 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:16.5pt;">
  <td rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Land and
  Buildings</font></b></font></p>
  </td>
 <td rowspan=2 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Work in
  Progress</font></b></font></p>
  </td>
 <td rowspan=2 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Furniture,
  Fixtures and Vehicles</font></b></font></p>
  </td>
 <td height=22 style="border:none;height:16.5pt;">&nbsp;</td>
 </tr>
<tr style="height:16.5pt;">
  <td height=22 style="border:none;height:16.5pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cost </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,490</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">234</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,628</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,352</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">228</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">492</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,072</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">445</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">404</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">927</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">938</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Retirements</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(98)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(492)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(607)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(149)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(757)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Acquisition of subsidiaries in the year </font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of entities in the year</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transfers</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(177)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(125)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(130)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference
  and other</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(48)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(214)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(224)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(105)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(213)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,939</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">70</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,314</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,323</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">201</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">386</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,910</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Accrued
  depreciation </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,076</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,380</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,456</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">77</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,546</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">120</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">469</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">589</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">594</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Retirements</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(36)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(403)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(439)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(447)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Acquisition of subsidiaries in the year </font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of entities in the year</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transfers</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(31)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(22)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(53)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(55)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference
  and other</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(212)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(200)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(198)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,138</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,212</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,350</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">76</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,437</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">315</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">315</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">335</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Retirements</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Acquisition of subsidiaries in the year</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of entities in the year</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transfers</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(77)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(77)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(80)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference
  and other</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(51)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(51)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.15pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">217</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">217</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">244</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Net tangible
  assets</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at
  the beginning </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,099</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">234</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,248</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,581</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">195</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">415</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,191</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at
  the end</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,584</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">70</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,102</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,756</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">163</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">310</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,229</font></b></font></p>
  </td>
 <td height=15 style="border:none;height:11.45pt;">&nbsp;</td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-174</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_178"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_17.1_002anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:21.0pt;">
  <td colspan=9 style="background:#E9E9E9;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Tangible Assets. Breakdown by Type of Assets and Changes in the year
  2017 (Millions of euros)</font></font></p>
  </td>
 <td height=28 style="border:none;height:21.0pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">For Own Use</font></b></font></p>
  </td>
 <td rowspan=3 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total tangible asset of Own Use</font></b></font></p>
  </td>
 <td rowspan=3 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Investment
  Properties</font></b></font></p>
  </td>
 <td rowspan=3 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Assets Leased out under an Operating Lease</font></b></font></p>
  </td>
 <td rowspan=3 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td height=17 style="border:none;height:12.75pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Land and
  Buildings</font></b></font></p>
  </td>
 <td rowspan=2 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Work in
  Progress</font></b></font></p>
  </td>
 <td rowspan=2 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Furniture,
  Fixtures and Vehicles</font></b></font></p>
  </td>
 <td height=17 style="border:none;height:12.75pt;">&nbsp;</td>
 </tr>
<tr style="height:24.0pt;">
  <td height=32 style="border:none;height:24.0pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cost </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,176</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">240</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,059</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,473</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,163</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">958</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,594</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">128</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">397</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">574</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">201</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">776</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Retirements</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(42)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(29)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(264)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(335)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(90)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(93)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(518)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Acquisition of subsidiaries in the year </font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of entities in the year</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(552)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(552)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transfers</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(273)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(57)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(186)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(516)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(698)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,214)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference
  and other</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(420)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(48)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(378)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(844)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(148)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(22)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,014)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,490</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">234</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,628</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,352</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">228</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">492</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,072</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Accrued
  depreciation </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,116</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,461</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,577</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">216</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,856</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">127</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">553</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">680</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">693</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Retirements</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(26)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(235)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(261)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(289)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Acquisition of subsidiaries in the year </font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of entities in the year</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(134)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(134)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transfers</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(53)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(146)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(199)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(31)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(230)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference
  and other</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(88)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(253)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(341)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(350)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,076</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,380</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,456</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">77</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,546</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the beginning</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">379</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">379</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">409</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">798</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Retirements</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Acquisition of subsidiaries in the year</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of entities in the year</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transfers</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(58)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(58)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(276)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(334)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference
  and other</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(140)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(149)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">315</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">315</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">335</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Net tangible
  assets</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at
  the beginning </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,681</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">240</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,598</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,519</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">691</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">732</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,941</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at
  the end</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,099</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">234</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,248</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,581</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">195</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">415</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,191</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-175</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_179"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_17.1_003anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:21.0pt;">
  <td colspan=9 style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Tangible Assets. Breakdown by Type of Assets and Changes in the
  year 2016 (Millions of euros)</font></font></p>
  </td>
 <td height=28 style="border:none;height:21.0pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">For Own Use</font></b></font></p>
  </td>
 <td rowspan=3 style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total tangible asset of Own Use</font></b></font></p>
  </td>
 <td rowspan=3 style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Investment
  Properties</font></b></font></p>
  </td>
 <td rowspan=3 style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Assets Leased out under an Operating Lease</font></b></font></p>
  </td>
 <td rowspan=3 style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td height=17 style="border:none;height:12.75pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Land and
  Buildings</font></b></font></p>
  </td>
 <td rowspan=2 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Work in
  Progress</font></b></font></p>
  </td>
 <td rowspan=2 style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Furniture,
  Fixtures and Vehicles</font></b></font></p>
  </td>
 <td height=17 style="border:none;height:12.75pt;">&nbsp;</td>
 </tr>
<tr style="height:24.0pt;">
  <td height=32 style="border:none;height:24.0pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cost </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td height=16 style="border:none;height:12.0pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,858</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">545</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,628</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,029</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,391</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">668</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,088</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">320</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">563</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">913</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">337</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,312</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Retirements</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(85)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(29)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(468)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(582)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(117)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(97)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(796)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Acquisition of subsidiaries in the year </font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of entities in the year</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transfers</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">676</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(544)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(386)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(254)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(986)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,156)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference
  and other</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(296)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(52)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(277)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(625)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(184)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(34)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(843)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,176</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">240</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,059</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,473</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,163</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">958</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,594</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Accrued
  depreciation </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,103</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,551</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,654</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">202</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,972</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">106</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">561</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">667</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">690</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Retirements</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(72)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(461)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(533)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(560)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Acquisition of subsidiaries in the year </font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of entities in the year</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transfers</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(37)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(38)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(55)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(38)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference
  and other</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(153)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(173)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(24)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(208)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,116</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,461</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,577</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">216</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,856</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">354</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">354</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">808</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,172</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">143</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Retirements</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Acquisition of subsidiaries in the year</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=16 style="border:none;height:12.0pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of entities in the year</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td height=16 style="border:none;height:12.0pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transfers</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(380)</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(381)</font></font></p>
  </td>
 <td height=16 style="border:none;height:12.0pt;">&nbsp;</td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference
  and other</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(100)</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(125)</font></font></p>
  </td>
 <td height=14 style="border:none;height:10.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">379</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">379</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">409</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></b></font></p>
  </td>
 <td nowrap style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">798</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Net tangible
  assets</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at
  the beginning </font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,401</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">545</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,077</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,021</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,467</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">456</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,944</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at
  the end</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,681</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">240</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,598</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,519</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">691</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">732</font></b></font></p>
  </td>
 <td nowrap style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,941</font></b></font></p>
  </td>
 <td height=18 style="border:none;height:13.5pt;">&nbsp;</td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_36e5e8a930b245368803c0c7c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016, the
cost of fully amortized tangible assets that remained in use were &#8364;2,624,
&#8364;2,660 and &#8364;2,313 million respectively while its recoverable residual value was
not significant.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016 the
amount of tangible assets under financial lease schemes on which the purchase
option is expected to be exercised was not material. The main activity of the
Group is carried out through a network of bank branches located geographically
as shown in the following table:</font></font><a name="XBRL_TS_36e5e8a930b245368803c0c7c_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_17.2_005_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Branches by Geographical Location (Number of branches)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,840</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,019</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,303</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,836</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,840</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,836</font></font></p>
  </td>
 </tr>
<tr style="height:10.15pt;">
  <td width=67% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,543</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,631</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,667</font></font></p>
  </td>
 </tr>
<tr style="height:10.15pt;">
  <td width=67% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United States </font></font></p>
  </td>
 <td nowrap width=11% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">646</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">651</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">676</font></font></p>
  </td>
 </tr>
<tr style="height:10.15pt;">
  <td width=67% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,066</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,095</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,131</font></font></p>
  </td>
 </tr>
<tr style="height:10.15pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of Eurasia</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,963</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,271</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,660</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_0561c5dc52594e3ca31bb3f84"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-176</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_180"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
following table shows the detail of the net carrying amount of the tangible
assets corresponding to Spanish and foreign subsidiaries as of December 31,
2018, 2017 and 2016:</font></font><a name="XBRL_TS_0561c5dc52594e3ca31bb3f84_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_17.1_006_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:21.0pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Tangible Assets by Spanish and Foreign Subsidiaries. Net Assets Values
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA and Spanish
  subsidiaries</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,705</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,574</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,692</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign subsidiaries</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,524</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,617</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,249</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,229</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,191</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,941</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_168223ba0225407f9170d46c6"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">18. </font></b></font><a name="_Toc457490025"></a><a name="_Toc474142265"></a><a name="_Toc481589080"></a><a name="_Toc495478132"></a><a name="_Toc106020"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">&#160;&#160;Intangible assets</font></b></font><a name="XBRL_TS_168223ba0225407f9170d46c6_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_3393c40fbc7f4b11b497b11d4"></a><a name="_Toc376949952"></a><a name="_Toc376972360"></a><a name="_Toc474142266"></a><a name="_Toc106021"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">18.1&#160; Goodwill</font></b></font><a name="XBRL_TS_3393c40fbc7f4b11b497b11d4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c3a03c1ca23a4c259a1e0ee22"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated balance sheets, according to the
cash-generating units (CGUs), is as follows:</font></font><a name="XBRL_TS_c3a03c1ca23a4c259a1e0ee22_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18.1_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Goodwill. Breakdown by CGU and Changes of the year (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:38.1pt;">
  <td width=32% style="border:none;border-bottom:solid black 1.0pt;height:38.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:38.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United
  States</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:38.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:38.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:38.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Colombia</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:38.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Chile</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:38.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:38.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=32% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance as of
  December 31, 2015</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,328</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">727</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">602</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">176</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,915</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">175</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(101)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(79)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance as of
  December 31, 2016</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,503</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">624</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">523</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">191</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">68</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,937</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(666)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(115)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(44)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(22)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(851)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(33)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(43)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance as of
  December 31, 2017</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,837</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">509</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">493</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">168</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,062</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange difference</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">229</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(127)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">118</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=32% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance as of
  December 31, 2018</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,066</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">382</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">519</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">161</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,180</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_c7aded545f1d417aaa963ee16"></a><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">In 2018, 2017 and 2016, there
were no significant business combinations.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-177</font></font></p>


</DIV>
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<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Impairment Test</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_a3d3b0ab4d7c4df7b8d6382f4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">As mentioned in Note 2.2.8 of the consolidated financial
statements for the year 2018</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">, the cash-generating units
(CGUs) to which goodwill has been allocated are periodically tested for
impairment by including the allocated goodwill in their carrying amount. This
analysis is performed at least annually and whenever there is any indication of
impairment. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Both the CGU&#8217;s fair values and the
fair values assigned to its assets and liabilities had been based on the
estimates and assumptions that the Group&#8217;s Management has deemed most likely
given the circumstances. However, some changes to the valuation assumptions
used could result in differences in the impairment test result.</font></font><a name="XBRL_CS_a3d3b0ab4d7c4df7b8d6382f4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_8458b8d31209434e8d38d53e0"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Three key assumptions are used
when calculating the impairment test. These hypothesis are the ones to which
the amount of the recoverable value is most sensitive: </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><a name="XBRL_CS_447b2145bfcc4fdb9867c13ae"></a><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The forecast cash flows estimated by the Group's management, and
based on the latest available budgets for the next 5 years.</font></font><a name="XBRL_CS_447b2145bfcc4fdb9867c13ae_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The constant sustainable growth rate for extrapolating cash flows,
starting in the fifth year (2023), beyond the period covered by the budgets or
forecasts.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The discount rate on future cash flows, which coincides with the
cost of capital assigned to each CGU, and which consists of a risk-free rate
plus a premium that reflects the inherent risk of each of the businesses
evaluated.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The focus used by the Group's management to determine the values
of the hypotheses is based both on its projections and past experience. These
values are uniform and use external sources of information. At the same time,
the valuations of the most significant goodwill have in general been reviewed
by independent experts (not the Group's external auditors) who apply different
valuation methods according to each type of asset and liability. The valuation
methods used are: The method for calculating the discounted value of future
cash flows, the market transaction method and the cost method.</font></font><a name="XBRL_CS_8458b8d31209434e8d38d53e0_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and
2016, no indicators of impairment have been identified in any of the main CGUs.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-178</font></font></p>


</DIV>
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<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Goodwill - United States CGU</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="background:white;border:none;"><font face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:115%;">The Group&#8217;s most
significant</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> </font><font face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:115%;">goodwill corresponds to the CGU in
the United States, the main significant hypotheses used in the impairment test
of this mentioned CGU are:</font></font><a name="XBRL_TS_c7aded545f1d417aaa963ee16_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18.2_007anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Impairment test hypotheses CGU Goodwill in the United States </font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=67% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Discount rate</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10.5%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10.0%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10.0%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=67% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Sustainable growth rate</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.0%</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.0%</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.0%</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_beb3181d48f14c8b883a92318"></a><font face=Arial,sans-serif style="background:white;border:none;"><font face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:115%;">Given the
potential growth of the sector, in accordance with paragraph 33 of IAS 36, as
of December 31, 2018, 2017 and 2016 the Group used a steady growth rate of 4.0%
based on the real GDP growth rate of the United States and expected inflation.
This 4.0% rate is less than the historical average of the past 30 years of the
nominal GDP rate of the United States and lower than the real GDP growth
forecasted by the IMF.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="background:white;border:none;"><font face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:115%;">The assumptions
with a greater relative weight and whose volatility could affect more in
determining the present value of the cash flows starting on the fifth year are
the discount rate and the sustainable growth rate. Below is shown the increased
(or decreased) amount of the recoverable amount as a result of a reasonable
variation (in basis points) of each of the key assumptions:</font></font><a name="XBRL_TS_beb3181d48f14c8b883a92318_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18.2_006anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Sensitivity analysis for main hypotheses - USA (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:36.0pt;">
  <td width=78% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Impact of an increase of 50 basis points (*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Impact of a decrease of 50 basis points (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=78% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Discount rate</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,009)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,176</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=78% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Sustainable growth
  rate</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">526</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(451)</font></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:-14.2pt;"><a name="XBRL_FS_0df4e0ccea05455fb2b8af742"></a><a name="XBRL_TS_0ea0d856c8e3412390dd42e79"></a><a name="XBRL_TS_8b190c1b72b9413a8da8cb270"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160; Based on historical changes, the use of 50
basis points to calculate the sensitivity analysis would be a reasonable
variation with respect to the observed variations over the last five years.</font></font><a name="XBRL_FS_0df4e0ccea05455fb2b8af742_bclEnd"></a><a name="XBRL_TS_0ea0d856c8e3412390dd42e79_bclEnd"></a><a name="XBRL_TS_8b190c1b72b9413a8da8cb270_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:3.0pt;margin-left:2.0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:-21.25pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_55831393f0814368a3ffbb9c3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Another assumption used, and
with a high impact on the impairment test, is the budgets of the CGU and
specifically the effect that changes in interest rates have on cash flows.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-179</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_183"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Goodwill - Turkey CGU</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="background:white;border:none;"><font face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:115%;">The Group&#8217;s most
significant goodwill corresponds to the CGU in the Turkey, the main significant
hypotheses used in the impairment test of this mentioned CGU are:</font></font><a name="XBRL_TS_55831393f0814368a3ffbb9c3_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18.2_009anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Impairment test assumptions CGU Goodwill in Turkey</font></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td width=67% style="border:none;height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Discount rate</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24.3%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18.0%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17.7%</font></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td width=67% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Sustainable growth
  rate</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.0%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.0%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.0%</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_79f4a44ec9194ae8b7d56da40"></a><font face=Arial,sans-serif style="background:white;border:none;"><font face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:115%;">Given the
potential growth of the sector, in accordance with paragraph 33 of IAS 36, as
of December 31, 2018, 2017 and 2016 the Group used a steady growth rate of 7.0%
based on the real GDP growth rate of Turkey and expected inflation. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="background:white;border:none;"><font face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:115%;">The assumptions
with a greater relative weight and whose volatility could affect more in
determining the present value of the cash flows starting on the fifth year are
the discount rate and the sustainable growth rate. Below is shown the increased
(or decreased) amount of the recoverable amount as a result of a reasonable
variation (in basis points) of each of the key assumptions:</font></font><a name="XBRL_TS_79f4a44ec9194ae8b7d56da40_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18.2_010_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.9pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Sensitivity analysis for main assumptions - Turkey (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:23.45pt;">
  <td width=78% style="border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Impact of an increase of 50 basis points (*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Impact of a decrease of 50 basis points (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=78% style="border:none;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Discount rate</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(149)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">158</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=78% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Sustainable growth rate</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(37)</font></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:left;text-indent:-14.2pt;"><a name="XBRL_FS_f724ec522d9643f79e2b09212"></a><a name="XBRL_TS_5e7203e002f84c6ca34317855"></a><a name="XBRL_TS_cecf5661288548d7af56510d3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160; Based on historical changes, the use of 50
basis points to calculate the sensitivity analysis would be a reasonable
variation with respect to the observed variations over the last five years.</font></font><a name="XBRL_FS_f724ec522d9643f79e2b09212_bclEnd"></a><a name="XBRL_TS_5e7203e002f84c6ca34317855_bclEnd"></a><a name="XBRL_TS_cecf5661288548d7af56510d3_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_7f419ad6523d4220b15eae4c1"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Goodwill in business combinations</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_6fa8e28263674eb89fa7cd851"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">There were no significant business combinations
during 2018, 2017 and 2016.</font></font><a name="XBRL_CS_6fa8e28263674eb89fa7cd851_bclEnd"></a><a name="XBRL_TS_7f419ad6523d4220b15eae4c1_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_5d2badab299c4083befb2a570"></a><a name="_Toc106024"></a><a name="_Toc474142267"></a><a name="_Toc376972361"></a><a name="_Toc376949953"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">18.2&#160; Other
intangible assets</font></b></font><a name="XBRL_TS_5d2badab299c4083befb2a570_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_4ce7cdb347c34596a2103ecca"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance and changes of
this heading in the accompanying consolidated balance sheets, according to the
nature of the related items, is as follows:</font></font><a name="XBRL_TS_4ce7cdb347c34596a2103ecca_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18.2_004_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other intangible assets (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=57% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Computer software
  acquisition expenses</font></font></p>
  </td>
 <td width=10% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,605</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,682</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,877</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=57% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other intangible assets with an infinite useful life</font></font></p>
  </td>
 <td width=10% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other intangible assets with a definite useful life</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">518</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">708</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">960</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,134</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,402</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,849</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:center;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_e03e3d130079451abc709d7f8"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-180</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_184"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
changes of this heading in December 31, 2018, 2017 and 2016, are as follows:</font></font><a name="XBRL_TS_e03e3d130079451abc709d7f8_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18.2_003anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other Intangible Assets (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the beginning</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,402</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,849</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,137</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Acquisition of&nbsp;subsidiaries&nbsp;in the year</font></font></p>
  </td>
 <td width=11% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td width=11% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">552</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">564</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">645</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amortization in the
  year</font></font></p>
  </td>
 <td width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(614)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(694)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(735)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange differences
  and other </font></font></p>
  </td>
 <td width=11% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(123)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(305)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(196)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(83)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,134</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,402</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,849</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_3bf040a410174d33befb86967"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018,
2017and 2016, the cost of fully amortized intangible assets that remained in
use were &#8364;1,604 million, &#8364;1,380 million and &#8364;1,501 million respectively, while
their recoverable value was not significant.</font></font><a name="XBRL_TS_3bf040a410174d33befb86967_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_6ef17c870ccd470c811384241"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">19. </font></b></font><a name="_Toc376949961"></a><a name="_Toc347755857"></a><a name="_Toc331260319"></a><a name="_Toc299032878"></a><a name="_Toc299031539"></a><a name="_Toc299029457"></a><a name="_Toc298431721"></a><a name="_Toc495478133"></a><a name="_Toc481589081"></a><a name="_Toc474142268"></a><a name="_Toc457490026"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">&#160;&#160;Tax assets and liabilities</font></b></font><a name="XBRL_TS_6ef17c870ccd470c811384241_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc376972363"></a><a name="_Toc376949955"></a><a name="XBRL_TS_70b50f65dd6e42d1af1cec1ce"></a><a name="_Toc474142269"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">19.1&#160; Consolidated
tax group</font></b></font><a name="XBRL_TS_70b50f65dd6e42d1af1cec1ce_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_b9402d4fcd104603aa17fcaff"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Pursuant
to current legislation, the BBVA Consolidated Tax Group includes the Bank (as
the parent company) and its Spanish subsidiaries that meet the requirements
provided for under Spanish legislation regulating the taxation regime for the
consolidated profit of corporate groups.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">The Group&#8217;s non-Spanish other banks and subsidiaries file
tax returns in accordance with the tax legislation in force in each country.</font></font><a name="XBRL_TS_b9402d4fcd104603aa17fcaff_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_baed141a5d864531adb373483"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">19.2&#160; Years open for review by the tax
authorities</font></b></font><a name="XBRL_TS_baed141a5d864531adb373483_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_8ba4191f59944b919756940dd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The years open to review in
the BBVA Consolidated Tax Group as of December 31, 2018 are 2014 and subsequent
years for the main taxes applicable.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The remainder of the Spanish
consolidated entities in general have the last four years open for inspection
by the tax authorities for the main taxes applicable, except for those in which
there has been an interruption of the limitation period due to the start of an
inspection.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the year 2017 as a consequence
of the tax authorities examination reviews, inspections were initiated through
the year 2013 inclusive, and all such years closed with acceptance during the
year 2017. Therefore, these inspections did not constitute any material amount
to record in the Consolidated Annual accounts as their impact was provisioned.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In view of the varying
interpretations that can be made of some applicable tax legislation, the
outcome of the tax inspections of the open years that may be conducted by the
tax authorities in the future may give rise to contingent tax liabilities which
cannot be reasonably estimated at the present time. However, the Group
considers that the possibility of these contingent liabilities becoming actual
liabilities is remote and, in any case, the tax charge which might arise
therefore would not materially affect the Group&#8217;s accompanying consolidated
financial statements.</font></font><a name="XBRL_TS_8ba4191f59944b919756940dd_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_7e953b26b21e4f57a6d52ff1f"></a><a name="_Toc106028"></a><a name="_Toc474142271"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-181</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_185"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">19.3&#160; Reconciliation</font></b></font><a name="XBRL_TS_7e953b26b21e4f57a6d52ff1f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_6d4f865456bd48898a5c7899f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The reconciliation of the
Group&#8217;s corporate income tax expense resulting from the application of the
Spanish corporation income tax rate and the income tax expense recognized in
the accompanying consolidated income statements is as follows:</font></font><a name="XBRL_TS_6d4f865456bd48898a5c7899f_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_19_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=7 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Reconciliation of Taxation at the Spanish Corporation Tax Rate to the Tax
  Expense Recorded for the Period&nbsp;&#160; (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=37% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td colspan=2 width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.9pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amount</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Effective Tax
  </font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amount</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Effective Tax
  </font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Effective Tax
  </font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Profit or (-) loss before tax</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,446</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,931</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,392</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">From continuing operations</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,446</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,931</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,392</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">From discontinued
  operations</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:20.45pt;">
  <td width=37% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Taxation at Spanish corporation tax rate 30%</font></font></p>
  </td>
 <td nowrap width=11% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,534</font></font></p>
  </td>
 <td nowrap width=10% style="height:20.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,079</font></font></p>
  </td>
 <td nowrap width=10% style="height:20.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,918</font></font></p>
  </td>
 <td nowrap width=11% style="height:20.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Lower effective tax rate from foreign entities&#160; (*)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(234)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(307)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(298)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico </font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(78)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28%</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(100)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27%</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(105)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26%</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Chile </font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21%</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(29)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21%</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17%</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Colombia </font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33%</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29%</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36%</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Peru </font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28%</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(16)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27%</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26%</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(132)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20%</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(182)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21%</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(176)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21%</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Others</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Revenues with lower tax rate (dividends/capital gains)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(57)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(53)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(69)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity accounted
  earnings</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other effects</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">452</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">159</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Current income
  tax</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,295</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,169</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,699</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Continuing
  operations</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,295</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,169</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,699</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=37% style="height:11.45pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Discontinued
  operations</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_bf31b83f9ae94ff6a1aa81e8e"></a><a name="XBRL_TS_a4a79ef3821f4bb797f7a3f84"></a><a name="XBRL_TS_bf8dbdbcdbaa4e1cbd526d63f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(*)&#160; Calculated by applying
the difference between the tax rate in force in Spain and the one applied to
the Group&#8217;s earnings in each jurisdiction.</font></font><a name="XBRL_FS_bf31b83f9ae94ff6a1aa81e8e_bclEnd"></a><a name="XBRL_TS_a4a79ef3821f4bb797f7a3f84_bclEnd"></a><a name="XBRL_TS_bf8dbdbcdbaa4e1cbd526d63f_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_473217b458d74b58b33ab86c2"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The effective income tax rate for the Group in
the years ended December 31, 2018, 2017 and 2016 is as follows:</font></font><a name="XBRL_TS_473217b458d74b58b33ab86c2_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_19_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Effective Tax Rate (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Income from:</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Consolidated Tax
  Group</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,482</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(678)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(483)</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other Spanish
  Entities</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">52</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign Entities</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,931</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,580</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,823</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,446</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,931</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,392</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Income tax and other taxes</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,295</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,169</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,699</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Effective Tax
  Rate</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27.17%</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31.3%</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26.6%</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_6282091a4f1c407f9afd36c74"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the year 2018, the changes in the nominal
tax rate on corporate income tax, in comparison with those existing in the
previous year, in the main countries in which the Group has a presence, have
been in United States (federal tax from 35% to 21%), Turkey (from 20% to 22%),
Argentina (from 35% to 30%), Chile (from 25.5% to 27%) and Colombia (from 40%
to 37%). In the year 2017, the changes in the nominal tax rate on corporate
income tax, in comparison with those existing in the previous period, in the
main countries in which the Group has a presence, have been in Chile (from
24.0% to 25.5%) and Peru (from 28.0% to 29.5%).</font></font><a name="XBRL_TS_6282091a4f1c407f9afd36c74_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_7d700b9f814f4f5d9f7b86742"></a><a name="_Toc106029"></a><a name="_Toc474142272"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-182</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_186"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">19.4&#160; Income tax recognized
in equity</font></b></font><a name="XBRL_TS_7d700b9f814f4f5d9f7b86742_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_4a469b1bb26c402eb1a48ce1e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition to the income tax expense
recognized in the accompanying consolidated income statements, the Group has
recognized the following income tax charges for these items in the consolidated
total equity:</font></font><a name="XBRL_TS_4a469b1bb26c402eb1a48ce1e_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_19_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Tax recognized in total equity (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Charges to
  total equity</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities and
  others</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(87)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(355)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(533)</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(56)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(74)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(143)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(429)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(535)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(143)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(429)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(535)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_8e24d3d253584cd69e63d6b06"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">19.5&#160; Current and deferred taxes</font></b></font><a name="XBRL_TS_8e24d3d253584cd69e63d6b06_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_ca460c422515406bbda575ff6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balance under the heading &quot;Tax
assets&quot; in the accompanying consolidated balance sheets includes current
and deferred tax assets. The balance under the &#8220;Tax liabilities&#8221; heading
includes the Group&#8217;s various current and deferred tax liabilities. The details
of the mentioned tax assets and liabilities are as follows:</font></font><a name="XBRL_TS_ca460c422515406bbda575ff6_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_19_004_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Tax assets and liabilities (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Tax assets</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=56% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Current tax assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,784</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,163</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,853</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=56% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deferred tax assets </font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,316</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,725</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,391</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=56% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Pensions</font></font></p>
  </td>
 <td width=11% style="height:11.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">405</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">395</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,190</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=56% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financial
  Instruments</font></font></p>
  </td>
 <td width=11% style="height:11.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,401</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,453</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,371</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=56% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other assets (investments in subsidiaries)</font></font></p>
  </td>
 <td width=11% style="height:11.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">302</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">357</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">662</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=56% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment losses</font></font></p>
  </td>
 <td width=11% style="height:11.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,375</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,005</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,390</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=56% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td width=11% style="height:11.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">990</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">870</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,236</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=56% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Secured tax assets
  (*)</font></font></p>
  </td>
 <td width=11% style="height:11.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,363</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,433</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,431</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Tax losses</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,480</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,212</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,111</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,100</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,888</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,245</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Tax Liabilities</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=56% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Current tax
  liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,230</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,114</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,276</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=56% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deferred tax liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,046</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,184</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,392</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=56% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financial
  Instruments</font></font></p>
  </td>
 <td width=11% style="height:11.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,136</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,427</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,794</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Charge for income tax and other taxes</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 9.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">910</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">757</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,598</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,276</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,298</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,668</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_TS_6620524173b24b28b8a372eff"></a><a name="XBRL_FS_8f8122b8664e4505a9d354603"></a><a name="XBRL_TS_f84413eec06e432fb42ad5cc3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(*)&#160; Law guaranteeing the
deferred tax assets has been approved in Spain in 2013. In years 2016 and 2017
guaranteed deferred tax assets also existed in Portugal but in year 2018 they
lost the guarantee due to the merge between BBVA Portugal S.A. and BBVA, S.A.</font></font><a name="XBRL_FS_8f8122b8664e4505a9d354603_bclEnd"></a><a name="XBRL_TS_f84413eec06e432fb42ad5cc3_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;"> &nbsp;</font></font><a name="XBRL_TS_6620524173b24b28b8a372eff_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:2.0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f95a03888b7249bd8d28efdd6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">At the end of year 2018, a tax reform has taken
place in Colombia, which is expected to hold a 37% tax rate for financial
institutions in 2019 (prior to the reform, a 33% tax rate was planned).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The most significant variations of the deferred
assets and liabilities in the years 2018, 2017 and 2016 derived from the
followings causes:</font></font><a name="XBRL_TS_f95a03888b7249bd8d28efdd6_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_19_007_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deferred tax assets and liabilities (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=25% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.9pt;">
  <td width=25% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deferred Assets</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deferred
  Liabilities</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deferred
  Assets</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deferred
  Liabilities</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deferred
  Assets</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deferred
  Liabilities</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=25% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,725</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,184</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,391</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,392</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,878</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,418</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=25% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Pensions</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(795)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">168</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=25% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financials
  Instruments</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(52)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(291)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(367)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(103)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(113)</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=25% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other assets</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(55)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(305)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">108</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=25% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment losses</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">370</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(385)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=25% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Others</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">120</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">153</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(366)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(841)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">255</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=25% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Guaranteed Tax assets</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(70)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(105)</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=25% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Tax Losses</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">268</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">101</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">146</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=25% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Charge for income tax and other taxes</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=25% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,316</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,046</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,725</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,184</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,391</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,392</font></b></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-183</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_187"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_aa993e545df844df9f33a8b09"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With respect to the changes in assets and
liabilities due to deferred tax contained in the above table, the following
should be pointed out:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">The decrease in guaranteed tax assets is motivated
because those corresponding to Portugal are no longer considered as guaranteed.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">The increase in tax losses is mainly due to the
Corporate Income Tax (CIT) return 2017 that has generated differences with
respect to the estimate of Corporate Tax reflected in the financial statements,
on the other hand, the increase in tax losses is also due </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">to the generation of negative tax bases and deductions during year
2018.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The evolution of the deferred tax assets and
liabilities (without taking into consideration the guaranteed deferred tax
asset and the tax losses) in net terms is a decrease of &#8364;531 million mainly due
to the first implementation of IFRS9, the variations in the valuation of
portfolio securities and to the operation of the corporate income tax in which
differences between accounting and taxation produce movements in the deferred
taxes.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:0cm;margin-right:0cm;margin-top:4.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On the deferred tax assets and liabilities contained in the table
above, those included in section 19.4 above have been recognized against the
entity's equity, and the rest against earnings for the year or reserves.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December
31, 2018, 2017 and 2016, the estimated amount of temporary differences
associated with investments in subsidiaries, joint ventures and associates,
which were not recognized deferred tax liabilities in the accompanying
consolidated balance sheets, amounted to 443 million euros, 376 million euros
and 874 million euros, respectively.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Of the deferred tax assets
contained in the above table, the detail of the items and amounts guaranteed by
the Spanish government, broken down by the items that originated those assets
is as follows:</font></font><a name="XBRL_TS_aa993e545df844df9f33a8b09_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_19_005_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Secured tax assets (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017 (*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016 (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Pensions</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,874</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,897</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,901</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impairment losses</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,489</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,536</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,530</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,363</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,433</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,431</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><a name="XBRL_FS_aee9d30510544914a9cd19466"></a><a name="XBRL_TS_c50e811251d54e5087c17133e"></a><a name="XBRL_TS_57a53315fdf1404a8849c6854"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(*)&#160; In 2017 and 2016 guaranteed
deferred tax assets also existed in Portugal but in 2018 they lost the
guarantee.</font></font><a name="XBRL_FS_aee9d30510544914a9cd19466_bclEnd"></a><a name="XBRL_TS_57a53315fdf1404a8849c6854_bclEnd"></a><a name="XBRL_TS_c50e811251d54e5087c17133e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_b7a9bc04f1504d828c35aca54"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, non-guaranteed net
deferred tax assets of the above table amounted to &#8364;3,907 million (&#8364;3,108 and
&#8364;3,568 million as of December 31, 2017 and 2016 respectively), which broken
down by major geographies is as follows:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">Spain: Net deferred tax assets recognized in Spain
totaled &#8364;<a name="XBRL_CS_8fade88426444e1cab966393e"></a>2,653<a name="XBRL_CS_8fade88426444e1cab966393e_bclEnd"></a> million as of December 31,
2018 (&#8364;<a name="XBRL_CS_cfe5168d92d04db99ddd7b553"></a>2,052<a name="XBRL_CS_cfe5168d92d04db99ddd7b553_bclEnd"></a> and &#8364;<a name="XBRL_CS_5da3a8e612b24c41ba845fda7"></a>2,007<a name="XBRL_CS_5da3a8e612b24c41ba845fda7_bclEnd"></a> million as of December 31,
2017 and 2016, respectively). &#8364;<a name="XBRL_CS_670141d1071c4184907d4181c"></a>1,462<a name="XBRL_CS_670141d1071c4184907d4181c_bclEnd"></a> million of the figure recorded
in the year ended December 31, 2018 for net deferred tax assets related to tax
credits and tax loss carry forwards and &#8364;<a name="XBRL_CS_f1b7bd8fb1014c0eb15c3354f"></a>1,191<a name="XBRL_CS_f1b7bd8fb1014c0eb15c3354f_bclEnd"></a> million relate to
temporary differences. </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">Mexico: Net deferred tax assets recognized in Mexico
amounted to &#8364;<a name="XBRL_CS_c152fc0635b343e59663a83e6"></a>826<a name="XBRL_CS_c152fc0635b343e59663a83e6_bclEnd"></a> million as of December 31,
2018 (&#8364;<a name="XBRL_CS_08addd774bc44140859ccda05"></a>615<a name="XBRL_CS_08addd774bc44140859ccda05_bclEnd"></a> and &#8364;<a name="XBRL_CS_11d5ba21ffd049b080326538f"></a>698<a name="XBRL_CS_11d5ba21ffd049b080326538f_bclEnd"></a> million as of December 31,
2017 and 2016, respectively). <a name="XBRL_CS_9395c06b16604b289c985186d"></a>99.97%
of deferred tax assets as of December 31, 2018 relate to temporary differences<a name="XBRL_CS_9395c06b16604b289c985186d_bclEnd"></a>. <a name="XBRL_CS_75683e8b11e2409c95c4491dc"></a>The remainders are tax credits carry
forwards<a name="XBRL_CS_75683e8b11e2409c95c4491dc_bclEnd"></a>.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">South America: Net deferred tax assets recognized in
South America amounted to &#8364;<a name="XBRL_CS_32021aa2c1af4299ac5cd4201"></a>383<a name="XBRL_CS_32021aa2c1af4299ac5cd4201_bclEnd"></a> thousand as of December
31, 2018 (&#8364;<a name="XBRL_CS_58be060ad2eb4bc1b49f17765"></a>26<a name="XBRL_CS_58be060ad2eb4bc1b49f17765_bclEnd"></a> and &#8364;<a name="XBRL_CS_3c128ba4d2084caa82d094914"></a>362<a name="XBRL_CS_3c128ba4d2084caa82d094914_bclEnd"></a> million as of December 31,
2017 and 2016, respectively). <a name="XBRL_CS_6f556481ba824c9281e00174a"></a>Practically
all the deferred tax assets are related to temporary differences<a name="XBRL_CS_6f556481ba824c9281e00174a_bclEnd"></a>, <a name="XBRL_CS_12654314beb745a3b7d25ef3d"></a>only 1.03% are related to tax credits<a name="XBRL_CS_12654314beb745a3b7d25ef3d_bclEnd"></a>.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-184</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_188"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">The United States: Net deferred tax assets recognized
in The United States amounted to &#8364;<a name="XBRL_CS_9208d3ca47df45d6b6e131192"></a>164<a name="XBRL_CS_9208d3ca47df45d6b6e131192_bclEnd"></a> million as of December 31,
2018 (&#8364;<a name="XBRL_CS_add7e3fdf25e41e7bfd822899"></a>180<a name="XBRL_CS_add7e3fdf25e41e7bfd822899_bclEnd"></a> and &#8364;<a name="XBRL_CS_aae34dabfc864830a35eeef8d"></a>345<a name="XBRL_CS_aae34dabfc864830a35eeef8d_bclEnd"></a> million as of December 31,
2017 and 2016, respectively). <a name="XBRL_CS_61eebd9f78fe4b4694d0ad243"></a>All
the deferred tax assets relate to temporary differences<a name="XBRL_CS_61eebd9f78fe4b4694d0ad243_bclEnd"></a>.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">Turkey: Net deferred tax assets recognized in Turkey
amounted to &#8364;<a name="XBRL_CS_7cf701a8f2c3472b837c8379d"></a>250<a name="XBRL_CS_7cf701a8f2c3472b837c8379d_bclEnd"></a> million as of December 31,
2018 (&#8364;<a name="XBRL_CS_a13be7230e87413aa18ba962a"></a>224<a name="XBRL_CS_a13be7230e87413aa18ba962a_bclEnd"></a> and &#8364;<a name="XBRL_CS_a6a004b17b4e4d20ad4563704"></a>135<a name="XBRL_CS_a6a004b17b4e4d20ad4563704_bclEnd"></a> million as of December 31,
2017 and 2016 respectively). As of December 31, 2018, <a name="XBRL_CS_90fd359f726341fda53ec6032"></a>all the deferred tax assets correspond
to &#8364;15 million of tax credits related to tax losses carry forwards and
deductions<a name="XBRL_CS_90fd359f726341fda53ec6032_bclEnd"></a> <a name="XBRL_CS_244884c612fc4f33ac451f156"></a>and &#8364;235 million relate to temporary
differences<a name="XBRL_CS_244884c612fc4f33ac451f156_bclEnd"></a>.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Based on the information
available as of December 31, 2018, including historical levels of benefits and
projected results available to the Group for the coming years, it is considered
that sufficient taxable income will be generated for the recovery of above
mentioned unsecured deferred tax assets when they become deductible according
to the tax laws.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_CS_47576cdb7eae498f8d926bd3a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On the other hand, the Group has not recognized
certain deductible temporary differences, negative tax bases and deductions for
which, in general, there is no legal period for offsetting, amounting to
approximately &#8364; 2,236 million, which are mainly originated by Catalunya Banc.</font></font><a name="XBRL_CS_47576cdb7eae498f8d926bd3a_bclEnd"></a><a name="XBRL_TS_b7a9bc04f1504d828c35aca54_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc376949969"></a><a name="_Toc347755858"></a><a name="_Toc331260320"></a><a name="_Toc298431722"></a><a name="_Toc299032879"></a><a name="_Toc299031540"></a><a name="_Toc299029458"></a><a name="XBRL_TS_f80730ae4955482e92d508bf0"></a><a name="_Toc495478134"></a><a name="_Toc481589082"></a><a name="_Toc474142274"></a><a name="_Toc457490027"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">20.&#160;&#160; Other assets and liabilities</font></b></font><a name="XBRL_TS_f80730ae4955482e92d508bf0_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c61aafe6d5e143859796b9ccc"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under these
headings in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_c61aafe6d5e143859796b9ccc_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_20.1_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other assets and liabilities: (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=57% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Inventories</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">635</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">229</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,298</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Real estate</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">633</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">226</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,268</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Others</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=57% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transactions in
  progress</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">249</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">156</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">241</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=57% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Accruals</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">702</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">768</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">723</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Prepaid expenses</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">465</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">509</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">518</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other prepayments and accrued income</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">237</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">259</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">204</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other items</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,886</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,207</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,012</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total Other
  Assets</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,472</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,359</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,274</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=57% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transactions in
  progress</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">165</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">127</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=57% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Accruals</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,558</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,490</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,721</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Accrued expenses</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,119</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,997</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,125</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other accrued expenses and deferred income</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">439</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">493</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">596</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other items</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,704</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,894</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,131</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total Other
  Liabilities</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,301</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,550</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,979</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_7d4db1563b444bc2b9a6f37ad"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&quot;Inventories&quot;
includes the net book value of land and building purchases that the Group&#8217;s
Real estate entities have available for sale or as part of their business.
Balances under this heading include mainly real estate assets acquired by these
entities from distressed customers (mostly in Spain), net of their
corresponding losses. The roll-forward of our inventories from distressed
customers is provided below:</font></font><a name="XBRL_TS_7d4db1563b444bc2b9a6f37ad_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_20.2_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.6pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Inventories from Distressed Customers (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.9pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Gross value</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,499</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,318</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Business combinations
  and disposals</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Acquisitions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">533</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">336</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=67% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Disposals</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,288)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,214)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Others</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(6,653)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,499</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Accumulated
  impairment losses </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(26)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,385)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Carrying amount</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">65</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,114</font></b></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-185</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_189"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c371e4150ee5474a90fb7a158"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2017, the majority of the
balance of real estate assets acquired from distressed customers was
reclassified to the heading &quot;Non-current assets and disposable groups of
items that have been classified as held for sale&quot; (see Note 21) due to the
agreement with Cerberus to transfer the Real Estate business in Spain (see Note
3).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The impairment included under the heading
&#8220;Impairment or reversal of impairment of non- financial assets&#8221; of the
accompanying consolidated financial statements were &#8364;51, &#8364;306 and &#8364;375 million
in 2018, 2017 and 2016, respectively (see Note 48).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As
indicated in Note 2.2.6, &#8220;Inventories&#8221; are valued at the lower amount between
its fair value less costs to sell and its book value. As of December 31, 2018,
practically all of the carrying amount of the assets recorded at fair value on
a non-recurring basis coincides with their fair value.</font></font><a name="XBRL_TS_c371e4150ee5474a90fb7a158_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_39af99bc33ef41cab8fa0ef2e"></a><a name="_Toc495478135"></a><a name="_Toc481589083"></a><a name="_Toc474142275"></a><a name="_Toc457490028"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">21.&#160;&#160; Non-current
assets and disposal groups held for sale</font></b></font><a name="XBRL_TS_39af99bc33ef41cab8fa0ef2e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_21538acb591c4df9b78ad8d7b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The composition of the balance under the
heading &#8220;Non-current assets and disposal groups classified as held for sale&#8221; in
the accompanying consolidated balance sheets, broken down by the origin of the
assets, is as follows:</font></font><a name="XBRL_TS_21538acb591c4df9b78ad8d7b_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_21_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:23.45pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-current assets and disposal groups classified as held for sale
  Breakdown by items (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreclosures and
  recoveries</font></font></p>
  </td>
 <td width=10% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,211</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,207</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,225</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="height:10.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreclosures (*)</font></font></p>
  </td>
 <td width=10% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,135</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,047</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,057</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="height:10.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Recoveries from
  financial leases</font></font></p>
  </td>
 <td width=10% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">76</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">160</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">168</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other assets from tangible assets</font></font></p>
  </td>
 <td width=10% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">433</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">447</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,181</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="height:10.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Property, plant and
  equipment</font></font></p>
  </td>
 <td width=10% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">276</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">447</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">378</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="height:10.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Operating leases</font></font></p>
  </td>
 <td width=10% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">803</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Investment
  properties (*)</font></font></p>
  </td>
 <td width=10% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">158</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Business sale -
  Assets (**)</font></font></p>
  </td>
 <td width=10% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18,623</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Accrued amortization
  (***)</font></font></p>
  </td>
 <td width=10% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(44)</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(77)</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(116)</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Impairment losses </font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(628)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,348)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,727)</font></font></p>
  </td>
 </tr>
<tr style="height:23.45pt;">
  <td width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total Non-current assets and disposal groups classified as held for
  sale</font></b></font></p>
  </td>
 <td width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,001</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,853</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:23.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,603</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><a name="XBRL_TS_1b24cd74d391450cac94c17e6"></a><a name="XBRL_FS_17e11d4268fb4c9cb40714bd7"></a><a name="XBRL_FS_c168d81ee8c34502b876da10a"></a><a name="XBRL_TS_7b77ca81b5fb42009e9e9580f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(*)&#160;&#160; Corresponds mainly to
the agreement with Cerberus to transfer the &quot;Real Estate&quot; business in
Spain (see Note 3).</font></font><a name="XBRL_FS_17e11d4268fb4c9cb40714bd7_bclEnd"></a><a name="XBRL_FS_c168d81ee8c34502b876da10a_bclEnd"></a><a name="XBRL_TS_7b77ca81b5fb42009e9e9580f_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><a name="XBRL_FS_448e32d0fcf94021a8a0a23d0"></a><a name="XBRL_TS_c0dd7a142b944ffa997eb5400"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(**)&#160; Corresponds mainly to
the BBVA&#180;s stake in BBVA Chile (see Note 3).</font></font><a name="XBRL_FS_448e32d0fcf94021a8a0a23d0_bclEnd"></a><a name="XBRL_TS_c0dd7a142b944ffa997eb5400_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><a name="XBRL_FS_d475f6c9e6ef42cbad25141d9"></a><a name="XBRL_TS_ecfc2ec4033d4f2fb43f8ba2a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(***) Amortization
accumulated until related asset reclassified as &#8220;non-current assets and
disposal groups held for sale&#8221;</font></font><a name="XBRL_TS_ecfc2ec4033d4f2fb43f8ba2a_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">.</font></font><a name="XBRL_FS_d475f6c9e6ef42cbad25141d9_bclEnd"></a><a name="XBRL_TS_1b24cd74d391450cac94c17e6_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b1b80fcde23b47c6b39e06eff"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-186</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_190"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The changes in
the balances of &#8220;Non-current assets and disposal groups classified as held for
sale&#8221; in 2018, 2017 and 2016 are as follows:</font></font><a name="XBRL_TS_b1b80fcde23b47c6b39e06eff_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_21_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.6pt;">
  <td colspan=7 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-current assets and disposal groups classified as held for sale
  Changes in the year 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=34% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreclosed
  Assets</font></b></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">From Own Use
  Assets </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(*)</font></b></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other assets
  (**)</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:31.15pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:31.15pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:31.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:31.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Foreclosed Assets through Auction Proceeding</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:31.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Recovered Assets from Finance Leases</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Cost&#160; (1)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,047</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">160</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">371</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18,623</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25,201</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Additions </font></font></p>
  </td>
 <td width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">637</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">696</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=34% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Contributions from
  merger transactions</font></font></p>
  </td>
 <td width=11% style="height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=34% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Retirements (sales and other decreases)</font></font></p>
  </td>
 <td width=11% style="height:7.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,354)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(135)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(227)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(18,594)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(23,310)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers, other movements and exchange differences</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(195)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">241</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,135</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">76</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">389</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,629</font></b></font></p>
  </td>
 </tr>
<tr style="height:6.75pt;">
  <td valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Impairment&#160; (2)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,102</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">194</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,348</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=34% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Additions </font></font></p>
  </td>
 <td width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">195</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">208</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Contributions from
  merger transactions</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Retirements (sales and other decreases)</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(793)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(37)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(101)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(931)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other movements and exchange differences</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(22)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">482</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">124</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">628</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Balance at the end of Net carrying value (1)-(2)</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,653</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">265</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,001</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><a name="XBRL_TS_7b26a1f9560c44eb85ad07bb8"></a><a name="XBRL_FS_9480f71dd16a4c07ad44730f7"></a><a name="XBRL_TS_76956821067e46409a53b0188"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160;&#160; Net of
amortization accumulated until assets were reclassified as non-current assets
held for sale</font></font><a name="XBRL_TS_76956821067e46409a53b0188_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">.</font></font><a name="XBRL_FS_9480f71dd16a4c07ad44730f7_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><a name="XBRL_FS_0b4c6ebf984d4ed7b03e26c1b"></a><a name="XBRL_TS_aa698e9f7ea5482288b5d12f0"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(**) The variation
corresponds mainly to the BBVA&#8217;s stake in BBVA Chile and the agreement with
Cerberus to transfer the &quot;Real Estate&quot; business in Spain (see Note 3)</font></font><a name="XBRL_TS_aa698e9f7ea5482288b5d12f0_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">.</font></font><a name="XBRL_FS_0b4c6ebf984d4ed7b03e26c1b_bclEnd"></a><a name="XBRL_TS_7b26a1f9560c44eb85ad07bb8_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-187</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_191"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_21_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:16.5pt;">
  <td colspan=7 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-current assets and disposal groups classified as held for
  sale Changes in the year 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=34% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreclosed
  Assets</font></b></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">From Own Use
  Assets </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(*)</font></b></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other assets</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Foreclosed Assets through Auction Proceeding</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Recovered Assets from Finance Leases</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Cost&#160; (1)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,057</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">168</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,065</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,330</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Additions </font></font></p>
  </td>
 <td width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">791</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">837</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=34% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Contributions from
  merger transactions</font></font></p>
  </td>
 <td width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=34% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Retirements (sales and other decreases)</font></font></p>
  </td>
 <td width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,037)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(49)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(131)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,217)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers, other movements and exchange differences</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,236</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(564)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18,583</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20,251</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the end</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,047</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">160</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">371</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18,623</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25,201</font></b></font></p>
  </td>
 </tr>
<tr style="height:6.75pt;">
  <td valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Impairment&#160; (2)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,237</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">443</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,727</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=34% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Additions </font></font></p>
  </td>
 <td width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">143</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">158</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Contributions from
  merger transactions</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Retirements (sales and other decreases)</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(272)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(42)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(321)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other movements and exchange differences</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(208)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(216)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,102</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">194</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,348</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Balance at the end of Net carrying value (1)-(2)</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,945</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">108</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">177</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18,623</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,853</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><a name="XBRL_TS_305f3cef6b55480484daf44fc"></a><a name="XBRL_TS_0a763c412af249dc92f02e213"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160;&#160; Net of
amortization accumulated until assets were reclassified as non-current assets
held for sale</font></font><a name="XBRL_TS_0a763c412af249dc92f02e213_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><a name="XBRL_TS_4a9f1bd1ba104e8e933997f17"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(**) The variation
corresponds mainly to the BBVA&#8217;s stake in BBVA Chile and the agreement with
Cerberus to transfer the &quot;Real Estate&quot; business in Spain (see Note 3)</font></font><a name="XBRL_TS_4a9f1bd1ba104e8e933997f17_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">.</font></font><a name="XBRL_TS_305f3cef6b55480484daf44fc_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_21_004_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:16.5pt;">
  <td colspan=7 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-current assets and disposal groups classified as held for sale
  Changes in the year 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=34% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreclosed
  Assets</font></b></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">From Own Use
  Assets </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(*)</font></b></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other assets</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(**)</font></b></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Foreclosed Assets through Auction Proceeding</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Recovered Assets from Finance Leases</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Cost&#160; (1)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,775</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">216</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">626</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,654</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Additions </font></font></p>
  </td>
 <td width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">582</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">57</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">662</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Contributions from
  merger transactions</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=34% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Retirements (sales and other decreases)</font></font></p>
  </td>
 <td width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(779)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(77)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(170)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,023)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transfers, other movements and exchange differences</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">480</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(28)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">586</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,037</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,057</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">168</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,065</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,330</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Impairment&#160; (2)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">994</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">240</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,285</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=34% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Additions </font></font></p>
  </td>
 <td width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">136</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Contributions from
  merger transactions</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Retirements (sales and other decreases)</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(153)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(33)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(192)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other movements and exchange differences</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">268</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">232</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">499</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,237</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">443</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,727</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Balance at the end of Net carrying value (1)-(2)</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,820</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">121</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">621</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,603</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_TS_f6bb2e72ba1c452da175ee3ff"></a><a name="XBRL_TS_efa738b3aff8441b8cfd0e90a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*) &#160;&#160;Net of
amortization accumulated until assets were reclassified as non-current assets
held for sale</font></font><a name="XBRL_TS_efa738b3aff8441b8cfd0e90a_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">.</font></font><a name="XBRL_TS_f6bb2e72ba1c452da175ee3ff_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.25pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_15251de24d7348ba8a06ffc35"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As indicated in Note 2.2.4, &#8220;Non-current assets
and disposal groups held for sale&#8221; and &#8220;liabilities included in disposal groups
classified as held for sale&#8221; are valued at the lower amount between its fair
value less costs to sell and its book value. As of December 31, 2018,
practically all of the carrying amount of the assets recorded at fair value on
a non-recurring basis coincides with their fair value.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-188</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_192"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:left;"><font color=#006EC1 face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Assets from
foreclosures or recoveries</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016, assets
from foreclosures and recoveries, net of impairment losses, by nature of the
asset, amounted to &#8364;<a name="XBRL_CS_c036094711414bc9b98d1dffe"></a>1,072<a name="XBRL_CS_c036094711414bc9b98d1dffe_bclEnd"></a>, &#8364;<a name="XBRL_CS_47f946aee9134e528c7184496"></a>1,924<a name="XBRL_CS_47f946aee9134e528c7184496_bclEnd"></a> and &#8364;<a name="XBRL_CS_6e24de28f69c4f86bb77a72b8"></a>2,326<a name="XBRL_CS_6e24de28f69c4f86bb77a72b8_bclEnd"></a> million in assets for
residential use; &#8364;<a name="XBRL_CS_f5b6990fa38d4256ba5b10c12"></a>182<a name="XBRL_CS_f5b6990fa38d4256ba5b10c12_bclEnd"></a>, &#8364;<a name="XBRL_CS_5cc6fdcca143491c8f14d3fa3"></a>491<a name="XBRL_CS_5cc6fdcca143491c8f14d3fa3_bclEnd"></a> and &#8364;<a name="XBRL_CS_5a12316f2ec04e8ea67bee115"></a>574<a name="XBRL_CS_5a12316f2ec04e8ea67bee115_bclEnd"></a> million in assets for
tertiary use (industrial, commercial or office) and &#8364;<a name="XBRL_CS_577c87f61e574257b5f03ff6d"></a>19<a name="XBRL_CS_577c87f61e574257b5f03ff6d_bclEnd"></a>, &#8364;<a name="XBRL_CS_b2dfc218e15c42f8ab79dcf92"></a>29<a name="XBRL_CS_b2dfc218e15c42f8ab79dcf92_bclEnd"></a> and &#8364;<a name="XBRL_CS_3d495a8df2b44046adf207a06"></a>41<a name="XBRL_CS_3d495a8df2b44046adf207a06_bclEnd"></a> million in assets for
agricultural use, respectively.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In December 31, 2018, 2017 and 2016, <a name="XBRL_CS_606beb1fc5c04cd9ab8131e67"></a><a name="XBRL_CS_3898816b5ce1490480084521b"></a><a name="XBRL_CS_10fb31c3d97a46e0ac5d49f6c"></a>the average sale time of assets from
foreclosures or recoveries was between 2 and 3 years.<a name="XBRL_CS_10fb31c3d97a46e0ac5d49f6c_bclEnd"></a><a name="XBRL_CS_3898816b5ce1490480084521b_bclEnd"></a><a name="XBRL_CS_606beb1fc5c04cd9ab8131e67_bclEnd"></a></font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">During the years 2018, 2017 and 2016, some of
the sale transactions for these assets were financed by Group companies. The
amount of loans to buyers of these assets in those years amounted to &#8364;<a name="XBRL_CS_cece6978396c4bb4b8d677a63"></a>82<a name="XBRL_CS_cece6978396c4bb4b8d677a63_bclEnd"></a>, &#8364;<a name="XBRL_CS_9a023779d90c46798736fec47"></a>207<a name="XBRL_CS_9a023779d90c46798736fec47_bclEnd"></a> and &#8364;<a name="XBRL_CS_d593a7acba9846d59d94edd7f"></a>219<a name="XBRL_CS_d593a7acba9846d59d94edd7f_bclEnd"></a> million, respectively;
with an average financing of 50% of the sales price.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016, the
amount of the profits arising from the sale of Group companies financed assets
- and therefore not recognized in the consolidated income statement - amounted
to &#8364;<a name="XBRL_CS_66b64fecc5df401daa4010e87"></a><a name="XBRL_CS_84c155ff037d4286a33aaa580"></a><a name="XBRL_CS_30a78ecdef3a4b2fad9ee032b"></a>1<a name="XBRL_CS_30a78ecdef3a4b2fad9ee032b_bclEnd"></a><a name="XBRL_CS_66b64fecc5df401daa4010e87_bclEnd"></a><a name="XBRL_CS_84c155ff037d4286a33aaa580_bclEnd"></a> in each financial year.</font></font><a name="XBRL_TS_15251de24d7348ba8a06ffc35_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc376949970"></a><a name="_Toc347755859"></a><a name="_Toc331260321"></a><a name="_Toc299032880"></a><a name="_Toc299031541"></a><a name="_Toc299029459"></a><a name="_Toc298431723"></a><a name="XBRL_TS_b6a1bbd3c1d34949846e06043"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">22. </font></b></font><a name="_Toc495478136"></a><a name="_Toc481589084"></a><a name="_Toc474142276"></a><a name="_Toc457490029"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">&#160;&#160;Financial liabilities at amortized cost</font></b></font><a name="XBRL_TS_b6a1bbd3c1d34949846e06043_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_6e508e8dc992420a92b375010"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">22.1&#160; Breakdown of the balance</font></b></font><a name="XBRL_TS_6e508e8dc992420a92b375010_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_d5eab9cbd18747c0a890e1ba2"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under these
headings in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_d5eab9cbd18747c0a890e1ba2_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial liabilities measured at amortized cost (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">435,229</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">467,949</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">499,706</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits from
  Central Banks (*)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,281</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37,054</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,740</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits from
  Credit Institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,978</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,516</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63,501</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Customer deposits</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">375,970</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">376,379</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">401,465</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt certificates</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61,112</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63,915</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">76,375</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,844</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,850</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,129</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">509,185</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">543,713</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">589,210</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="XBRL_FS_7e3c711ecd6c4a4c8017c119c"></a><a name="XBRL_TS_64d5bde1d9904001a9ad924c3"></a><a name="XBRL_TS_0e0bf2aec41944b0b4569b8ac"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(*)&#160; As of December 31, 2018,
balance relating to repurchase agreements in Central Banks is &#8364;375 million (see
Note 35).</font></font><a name="XBRL_FS_7e3c711ecd6c4a4c8017c119c_bclEnd"></a><a name="XBRL_TS_0e0bf2aec41944b0b4569b8ac_bclEnd"></a><a name="XBRL_TS_64d5bde1d9904001a9ad924c3_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_02b35c1e1f624f4894b48def4"></a><a name="_Toc474142277"></a><a name="_Toc376972370"></a><a name="_Toc376949962"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">22.2&#160; Deposits from credit
institutions</font></b></font><a name="XBRL_TS_02b35c1e1f624f4894b48def4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_dfbe6dcb502f4966a2cb13bf3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the consolidated balance sheets, according to the nature of the financial
instruments, is as follows:</font></font><a name="XBRL_TS_dfbe6dcb502f4966a2cb13bf3_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deposits from credit institutions (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Term deposits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,015</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,941</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,429</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand deposits</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,370</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,731</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,651</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Repurchase agreements</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,593</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,843</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,420</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,978</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,516</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63,501</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_ca0619c9145f499c8cf30e3be"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown by geographical area and the
nature of the related instruments of this heading in the accompanying
consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_ca0619c9145f499c8cf30e3be_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deposits from Credit Institutions. December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:41.25pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand
  Deposits &amp; Reciprocal Accounts</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Term Deposits</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Repurchase
  Agreements</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,981</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,527</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,563</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,701</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,677</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,379</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">280</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">286</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">566</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">651</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">669</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,323</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">442</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,892</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,335</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of Europe</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,108</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,903</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,534</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,545</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of the world</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">207</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,061</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,268</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,370</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,015</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,593</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,978</font></b></font></p>
  </td>
 </tr>
</table></div>




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</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_004_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deposits from Credit Institutions. December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:41.25pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand
  Deposits &amp; Reciprocal Accounts</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Term Deposits</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Repurchase
  Agreements</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">762</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,879</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">878</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,518</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,563</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,398</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,961</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">282</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">330</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,817</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,429</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">73</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">836</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">953</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">448</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,538</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,999</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of Europe</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">526</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,592</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,732</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,849</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of the world</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">77</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,369</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">360</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,806</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,731</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,941</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,843</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,516</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_005anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deposits from Credit Institutions. December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:41.25pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand
  Deposits &amp; Reciprocal Accounts</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Term Deposits</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Repurchase
  Agreements</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">956</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,995</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">817</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,768</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,812</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,225</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,040</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">306</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">426</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,931</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,663</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">317</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,140</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,463</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">275</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,294</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">465</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,035</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of Europe</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">896</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,751</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,691</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,338</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of the world</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">88</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,597</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">509</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,194</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,651</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,429</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,420</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63,501</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_4daf81b68da044a88ff4df650"></a><a name="_Toc474142278"></a><a name="_Toc376972371"></a><a name="_Toc376949963"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">22.3&#160; Customer deposits</font></b></font><a name="XBRL_TS_4daf81b68da044a88ff4df650_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_22c00c9fa0d24c578c53f8d82"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of this heading in the
accompanying consolidated balance sheets, by type of financial instrument, is
as follows:</font></font><a name="XBRL_TS_22c00c9fa0d24c578c53f8d82_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_007_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Customer deposits (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General Governments </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,459</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,210</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,396</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Current accounts</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">238,907</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">223,497</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">212,604</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Time deposits</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">105,257</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116,538</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">153,388</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Repurchase agreements</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,207</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,076</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,514</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subordinated deposits</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">220</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">194</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">233</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other accounts</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,920</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,864</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">330</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">375,970</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">376,379</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">401,465</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&#160; In Euros</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">184,934</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">184,150</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">189,438</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&#160; In foreign
  currency</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">191,036</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">192,229</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">212,027</font></i></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-190</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_194"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b72694cb71a44b27ba86f0c92"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown by geographical area of this
heading in the accompanying consolidated balance sheets, by type of instrument
is as follows:</font></font><a name="XBRL_TS_b72694cb71a44b27ba86f0c92_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_011_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Customer Deposits. December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:40.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand
  Deposits</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Term Deposits</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Repurchase
  Agreements</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">138,236</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,165</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">166,403</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">41,222</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,317</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62,539</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,383</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,837</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">770</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50,991</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,856</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,564</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33,427</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,811</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,159</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37,970</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of Europe</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,233</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,415</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">429</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,077</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of the world</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">831</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,731</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,563</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">260,573</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">114,188</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,209</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">375,970</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_008_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Customer Deposits. December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:40.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand
  Deposits</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Term Deposits</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Repurchase
  Agreements</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">123,382</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39,513</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,664</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">165,559</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,728</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,436</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,164</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,492</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,622</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,272</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">52,387</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,427</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,237</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">152</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,815</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,710</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,053</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,764</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of Europe</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,816</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,372</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,989</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,177</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of the world</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,028</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,484</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,511</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">240,583</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">126,716</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,079</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">376,379</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_009anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Customer Deposits. December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:40.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand
  Deposits</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Term Deposits</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Repurchase
  Agreements</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">102,730</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56,391</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,901</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">161,022</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,997</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,023</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">263</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50,282</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,468</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,647</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,002</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,117</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47,340</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,971</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62,311</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,862</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,328</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,211</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of Europe</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,959</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,683</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,306</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,949</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of the world</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,190</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,382</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,572</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">231,547</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">156,425</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,493</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">401,465</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_5f7f4b963e76496cba609dfca"></a><a name="_Toc474142279"></a><a name="_Toc376972372"></a><a name="_Toc376949964"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-191</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_195"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">22.4&#160; Debt </font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">certificates</font></b></font><a name="XBRL_TS_5f7f4b963e76496cba609dfca_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_ec66c43581e6443faf1b7c517"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">The
breakdown of the balance under this heading, by currency, is as follows:</font></font><a name="XBRL_TS_ec66c43581e6443faf1b7c517_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_013_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Debt certificates (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">In Euros</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">37,436</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">38,735</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">45,619</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Promissory bills and
  notes</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">267</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,309</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">875</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-convertible bonds and debentures</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,638</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,418</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,766</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Covered bonds (*)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,809</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,425</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,845</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Hybrid financial instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">814</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">807</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">468</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Securitization bonds</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,630</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,295</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,693</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Wholesale funding</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">142</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subordinated
  liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,136</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,481</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,972</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Convertible</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,490</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,500</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,070</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Convertible
  perpetual securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,490</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,500</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,070</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Convertible
  subordinated debt</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-convertible</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,647</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,981</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,902</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Preferred Stock</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">359</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other subordinated
  liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,540</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,875</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,543</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">In Foreign Currencies</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">23,676</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">25,180</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">30,759</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Promissory bills and
  notes</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,237</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,157</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">382</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-convertible bonds and debentures</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,335</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,109</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,134</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Covered bonds (*)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">569</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">650</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">149</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Hybrid financial
  instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,455</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,809</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,059</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Securitization bonds</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,019</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Wholesale funding</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">544</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subordinated
  liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,499</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,407</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,016</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Convertible</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">873</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,085</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,548</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Convertible
  perpetual securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">873</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,085</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,548</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Convertible subordinated
  debt</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-convertible</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,626</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,323</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,467</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Preferred Stock</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">74</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">620</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other subordinated liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,552</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,268</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,846</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&#160; Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61,112</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63,915</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">76,375</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="XBRL_FS_1573192d4c084372a746f0d37"></a><a name="XBRL_TS_06fe067d2dfc4bc9952c10351"></a><a name="XBRL_TS_a20915c7ffec401a8511b25a4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(*) &#160;Including
mortgage-covered bonds (see Appendix III).</font></font><a name="XBRL_FS_1573192d4c084372a746f0d37_bclEnd"></a><a name="XBRL_TS_06fe067d2dfc4bc9952c10351_bclEnd"></a><a name="XBRL_TS_a20915c7ffec401a8511b25a4_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_6fdb38ad7b03486fa7f29cdbc"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 67% of &#8220;Debt
certificates&#8221; have fixed-interest rates and 33% have variable interest rates.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Most of the foreign currency issues are
denominated in U.S. dollars.</font></font><a name="XBRL_TS_6fdb38ad7b03486fa7f29cdbc_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-36.0pt;"><a name="XBRL_TS_96491284eaca4f7e8b3f7908f"></a><a name="_Toc106040"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;line-height:normal;">22.4.1 Subordinated liabilities</font></b></font><a name="XBRL_TS_96491284eaca4f7e8b3f7908f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c5c5b662c85e448790e233a6f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The issuances of BBVA International Preferred,
S.A.U., BBVA Global Finance, Ltd., Caixa Terrassa Societat de Participacions
Preferents, S.A.U. and CaixaSabadell Preferents, S.A.U., are jointly, severally
and irrevocably guaranteed by the Bank. The balance variances are mainly due to
the following transactions:</font></font><a name="XBRL_TS_c5c5b662c85e448790e233a6f_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:left;"><a name="XBRL_TS_716362d14b924ea6a1b84a6ac"></a><font color=#006EC1 face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Convertible
perpetual liabilities</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On September 24, 2018, BBVA carried out the
seventh issuance of perpetual contingent convertible securities (additional
tier 1 instrument), with exclusion of pre-emptive subscription rights of
shareholders, for a total nominal amount of &#8364;1,000 million. This issuance is
listed in the AIAF Fixed Income Securities Market and in any case the issuance
shall be offered or sold to any retail clients. The issuance qualifies as
additional tier 1 capital of the Bank and the Group in accordance with
Regulation EU 575/2013. </font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-192</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_196"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The additional
five issuances of perpetual contingent convertible securities (additional tier
1 instruments) with exclusion of pre-emptive subscription rights of
shareholders were carried out in February 2014 and February 2015 for an amount
of &#8364;1.5 billion each one; in April 2016 for an amount of &#8364;1 billion; in May
2017 for an amount of &#8364;500 million and in November 2017 for an amount of USD1
billion. These issuances were targeted only at qualified investors and foreign
private banking clients not being offered to, and not being subscribed for, in
Spain or by Spanish residents. The first issuance is listed in the Singapore
Exchange Securities Trading Limited and the other issuances are listed in the
Global Exchange Market of the Irish Stock Exchange. Furthermore, these
issuances qualify as additional tier 1 capital of the Bank and the Group in
accordance with Regulation UE 575/2013.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These perpetual securities will be converted
into newly issued ordinary shares of BBVA if the CET 1 ratio of the Bank or the
Group is less than 5.125%, in accordance with their respective terms and
conditions.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These issues may be fully redeemed at BBVA&#180;s
option only in the cases contemplated in their respective terms and conditions,
and in any case, in accordance with the provisions of the applicable
legislation.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In particular, on May 9, 2018, the Bank early
redeemed the issuance of preferred securities contingently convertible
(additional tier 1 instrument) carried out by the Bank on May 9, 2013, for an
amount of USD1.5 billion on the First Reset Date of the issuance and once the
prior consent from the Regulator was obtained. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additionally, on January 15, 2019, the Bank has
notified its irrevocable decision to early redeem next February 19, 2019 the
issuance of preferred securities contingently convertible (additional tier 1
instrument), carried out by the Bank on February 19, 2014, for a total amount
of &#8364;1,5 billion and once the prior consent from the Regulator has been obtained.</font></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:left;"><font color=#006EC1 face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Preferred securities</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown by issuer of the balance under
this heading in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_716362d14b924ea6a1b84a6ac_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_017_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Preferred Securities by Issuer (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=67% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">BBVA International Preferred, S.A.U. </font></font><sup><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">(1)</font></font></sup></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">855</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=67% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unnim Group </font></font><sup><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">(2)</font></font></sup></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Compass Group</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Colombia, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Others</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">181</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">163</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">979</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="XBRL_TS_084a32dc01da4e66927caa488"></a><a name="XBRL_FS_7f63b4bea2404c2dbbd9d22cc"></a><a name="XBRL_TS_218179523618426eb368d6bfa"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(1) &#160;Listed on the London and
New York stock exchanges.</font></font><a name="XBRL_FS_7f63b4bea2404c2dbbd9d22cc_bclEnd"></a><a name="XBRL_TS_218179523618426eb368d6bfa_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="XBRL_FS_3b94380482d642759d19ee10f"></a><a name="XBRL_TS_e42a30850f294110aafcad75e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(2) &#160;Unnim Group: Issuances
prior to the acquisition by BBVA.</font></font><a name="XBRL_FS_3b94380482d642759d19ee10f_bclEnd"></a><a name="XBRL_TS_084a32dc01da4e66927caa488_bclEnd"></a><a name="XBRL_TS_e42a30850f294110aafcad75e_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_5b082bb4414343bcb7b028d24"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These issues were fully subscribed at the
moment of the issue by qualified/institutional investors outside the Group and
are redeemable at the issuer company&#8217;s option after five years from the issue
date, depending on the terms of each issue and with prior consent from the Bank
of Spain.</font></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:left;"><font color=#006EC1 face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Redemption of preferred securities</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On March 20, 2017 BBVA International Preferred,
S.A.U. carried out the early redemption in full of its Series B preferred
securities for an outstanding amount of &#8364;164,350,000.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Likewise, on March 22, 2017 BBVA International
Preferred, S.A.U. carried out the early redemption in full of its Series A
preferred securities for an outstanding amount of &#8364;85,550,000.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Finally, on April 18, 2017 BBVA International
Preferred, S.A.U. carried out the early redemption in full of its Series C
preferred securities for an outstanding amount of USD 600,000,000.</font></font><a name="XBRL_TS_5b082bb4414343bcb7b028d24_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_3e5c2069906545c9953ee0a11"></a><a name="_Toc474142280"></a><a name="_Toc376972376"></a><a name="_Toc376949968"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-193</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_197"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">22.5&#160;&#160; Other
financial liabilities</font></b></font><a name="XBRL_TS_3e5c2069906545c9953ee0a11_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b53350d283c240a3872803827"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_b53350d283c240a3872803827_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_018_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other financial liabilities (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Creditors for other financial liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,891</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,835</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,465</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Collection accounts</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,305</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,452</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,768</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Creditors for other
  payables</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,648</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,563</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,370</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Dividend payable but pending payment</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">525</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,844</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,850</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,129</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_ff59a8b841554885b546a3fbc"></a><a name="_Toc495478137"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">23.&#160; Assets and liabilities under insurance and reinsurance
contracts</font></b></font><a name="XBRL_TS_ff59a8b841554885b546a3fbc_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_319f0b50919b493589c1b63f9"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group has insurance subsidiaries mainly in
Spain and Latin America (mostly in Mexico). The main product offered by the
insurance subsidiaries is life insurance to cover the risk of death (risk
insurance) and life-savings insurance. Within life and accident insurance, a
distinction is made between freely sold products and those offered to customers
who have taken mortgage or consumer loans, which cover the principal of those
loans in the event of the customer&#8217;s death.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">There are two types of savings products:
individual insurance, which seeks to provide the customer with savings for
retirement or other events, and group insurance, which is taken out by
employers to cover their commitments to their employees.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_786126788e5b44bcb179b6440"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The insurance business is affected by different
risks, including those that are related to the BBVA Group such as credit risk,
market risk, liquidity risk and operational risk and the methodology for risk
measurement applied in the insurance activity is similar (see Note 7), although
it has a differentiated management due to the particular characteristics of the
insurance business, such as the coverage of contracted obligations and the long
term of the commitments. Additionally, the insurance business generates certain
specific risks, of a probabilistic nature: </font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:4.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Technical risk: arises from deviations in the estimation of the
casualty rate of insurances, either in terms of numbers, the amount of such
claims and the timing of its occurrence.</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:4.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Biometric risk: depending on the deviations in the expected
mortality behavior or the survival of the insured persons.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The insurance industry is highly regulated in
each country. In this regard, it should be noted that the insurance industry is
undergoing a gradual regulatory transformation through new risk-based capital
regulations, which have already been published in several countries.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The most significant provisions recognized by
consolidated insurance subsidiaries with respect to insurance policies issued
by them are under the heading &#8220;Liabilities under insurance and reinsurance
contracts&#8221; in the accompanying consolidated balance sheets.</font></font><a name="XBRL_TS_786126788e5b44bcb179b6440_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-194</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_198"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of
the balance under this heading is as follows:</font></font><a name="XBRL_TS_319f0b50919b493589c1b63f9_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_23_004_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Technical Reserves by type of insurance product (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:30.75pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mathematical reserves</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,504</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,961</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,813</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=67% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Individual life
  insurance&#160; </font></font><sup><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">(1)</font></font></sup></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,201</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,359</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,791</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Savings</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,180</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,391</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,943</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Risk</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,021</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">967</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">848</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Others </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=67% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Group insurance </font></font><sup><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">(2)</font></font></sup></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,303</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,601</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,022</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Savings</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,210</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,455</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,801</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Risk</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">93</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">147</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">221</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Others </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Provision for unpaid claims reported</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">662</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">631</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">691</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Provisions for unexpired risks and other provisions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">668</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">631</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">635</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,834</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,223</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,139</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_TS_eebbeefad37b46f9a6bf0319b"></a><a name="XBRL_FS_6b5c98398fd245c198ac14b77"></a><a name="XBRL_TS_af616c57accd450ba20fdce2b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)&#160; Provides coverage in the
event of death or disability.</font></font><a name="XBRL_FS_6b5c98398fd245c198ac14b77_bclEnd"></a><a name="XBRL_TS_af616c57accd450ba20fdce2b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:21.3pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_FS_abc9cf77e738421581f18e632"></a><a name="XBRL_TS_7dac7b3f6f6f4f4bbb0e69282"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(2)&#160; The
insurance policies purchased by employers (other than BBVA Group) on behalf of
its employees</font></font><a name="XBRL_TS_7dac7b3f6f6f4f4bbb0e69282_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">.</font></font><a name="XBRL_FS_abc9cf77e738421581f18e632_bclEnd"></a><a name="XBRL_TS_eebbeefad37b46f9a6bf0319b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_31628e03a5bb466894cfe90d0"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The cash flows of those Liabilities under
insurance and reinsurance contracts are shown below:</font></font><a name="XBRL_TS_31628e03a5bb466894cfe90d0_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_23_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:31.5pt;">
  <td colspan=6 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Maturity (Millions of euros)</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Liabilities under Insurance and Reinsurance Contracts</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=45% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Up to 1 Year</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 3 Years</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 5 Years</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 5 Years</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,686</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,041</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,822</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,285</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,834</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,560</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,119</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,502</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,042</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,223</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,705</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,214</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,482</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,738</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,139</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_9be6f6302bcd4bb5899cad371"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The modeling methods and techniques used to
calculate the mathematical reserves for the insurance products are actuarial
and financial methods and modeling techniques approved by the respective
country&#8217;s insurance regulator or supervisor. The most important insurance
entities are located in Spain and Mexico (which together account for
approximately 85% of the insurance revenues), where the modeling methods and
techniques are reviewed by the insurance regulator in Spain (General
Directorate of Insurance) and Mexico (National Insurance and Bonding
Commission), respectively. The modeling methods and techniques used to
calculate the mathematical reserves for the insurance products are compliant
with IFRS and primarily involve the valuation of the estimated future cash
flows, discounted at the technical interest rate for each policy. To ensure
this technical interest rate, asset-liability management is carried out,
acquiring a portfolio of securities that generate the cash flows needed to
cover the payment commitments assumed with the customers.</font></font><a name="XBRL_TS_9be6f6302bcd4bb5899cad371_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_bf27e560d9224097a81686fe9"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-195</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_199"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below
shows the key assumptions as of December 31, 2018, used in the calculation of
the mathematical reserves for insurance products in Spain and Mexico,
respectively:</font></font><a name="XBRL_TS_bf27e560d9224097a81686fe9_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_23_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mathematical Reserves</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=22% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=40% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mortality
  table</font></b></font></p>
  </td>
 <td colspan=2 width=38% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  technical interest type</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 </tr>
<tr style="height:67.5pt;">
  <td width=22% style="border:none;height:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Individual life
  insurance <sup>(1)</sup></font></font></p>
  </td>
 <td width=20% style="border:none;height:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">GRMF 80-2</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">GKM 80 / GKMF 95</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">PERMF 2000</font></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">PASEM</font></font></p>
  </td>
 <td width=20% style="border:none;height:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Tables of the
  Comisi&#243;n Nacional de Seguros y Fianzas 2000-individual</font></font></p>
  </td>
 <td width=19% style="border:none;height:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.26%-3.27%</font></font></p>
  </td>
 <td width=19% style="border:none;height:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2.50%</font></font></p>
  </td>
 </tr>
<tr style="height:67.5pt;">
  <td width=22% style="height:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Group insurance<sup>(2)</sup></font></font></p>
  </td>
 <td width=20% style="height:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">PERMF 2000</font></font></p>
  </td>
 <td width=20% style="height:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Tables of the
  Comisi&#243;n Nacional de Seguros y Fianzas 2000-grupo</font></font></p>
  </td>
 <td width=19% style="height:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Depending on the related portfolio </font></font></p>
  </td>
 <td width=19% style="height:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5.50%</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_TS_f7e1d9776f7b48c4b35bfdc17"></a><a name="XBRL_TS_63e34c678e714a03b249914e0"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)&#160; Provides coverage in the
case of one or more of the following events: death and disability.</font></font><a name="XBRL_TS_63e34c678e714a03b249914e0_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_TS_8770df90ff444d9ba0b9e004d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)&#160; Insurance policies
purchased by companies (other than Group BBVA entities) on behalf of their
employees.</font></font><a name="XBRL_TS_8770df90ff444d9ba0b9e004d_bclEnd"></a><a name="XBRL_TS_f7e1d9776f7b48c4b35bfdc17_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_81759e44f5b64d7eb1a505437"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The heading &#8220;Assets under reinsurance and
insurance contracts&#8221; in the accompanying consolidated balance sheets includes
the amounts that the consolidated insurance entities are entitled to receive
under the reinsurance contracts entered into by them with third parties and,
more specifically, the share of the reinsurer in the technical provisions
recognized by the consolidated insurance subsidiaries. </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As
of December 31, 2018, 2017 and 2016, the balance under this heading amounted to
&#8364;366 million, &#8364;421 million and &#8364;447 million, respectively.</font></font><a name="XBRL_TS_81759e44f5b64d7eb1a505437_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc376949977"></a><a name="_Toc347755861"></a><a name="_Toc331260323"></a><a name="_Toc299032882"></a><a name="_Toc299031543"></a><a name="_Toc299029461"></a><a name="_Toc298431725"></a><a name="XBRL_TS_4f48c6f6e4b44beda53619abe"></a><a name="_Toc106043"></a><a name="_Toc495478138"></a><a name="_Toc481589086"></a><a name="_Toc474142282"></a><a name="_Toc457490031"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">24.&#160;&#160; Provisions</font></b></font><a name="XBRL_TS_4f48c6f6e4b44beda53619abe_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_37aa98d618f34331ab8cab8ff"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated balance sheets, based on type of provisions,
is as follows:</font></font><a name="XBRL_TS_37aa98d618f34331ab8cab8ff_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_24_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Provisions. Breakdown by concepts (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Provisions for pensions and similar obligations</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,787</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,407</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,025</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other long term employee benefits</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Provisions for taxes and other legal contingencies</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">686</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">756</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">418</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Provisions for contingent risks and commitments</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">636</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">578</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">950</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other provisions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">601</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">669</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,609</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,772</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,477</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,071</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3e7e8c29bf8c4302b5dd8426e"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-196</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_200"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The change in
provisions for pensions and similar obligations for the years ended December
31, 2018, 2017 and 2016 is as follows:</font></font><a name="XBRL_TS_3e7e8c29bf8c4302b5dd8426e_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_24_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Provisions for pensions and similar obligations. Changes Over the Year
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,407</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,025</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,299</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Add</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Charges to income for the year </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">126</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">391</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">402</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Interest expenses and similar charges</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Personnel expenses</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44.1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Provision expenses</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">258</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">239</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Charges to equity </font></font><sup><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">(1)</font></font></sup></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">140</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">339</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Transfers and other
  changes</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">95</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(264)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Less</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Benefit payments</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(779)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(861)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(926)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Employer
  contributions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(103)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(154)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,787</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,407</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,025</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_FS_e6598d543cc04d9bb4bb5db22"></a><a name="XBRL_TS_590ea88d21994849a0dcea68c"></a><a name="XBRL_TS_bfaf99a4b214430f9778ed814"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)&#160; Correspond to actuarial
losses (gains) arising from certain defined-benefit post-employment pension
commitments and other similar benefits recognized in &#8220;Equity&#8221; (see Note
2.2.12).</font></font><a name="XBRL_FS_e6598d543cc04d9bb4bb5db22_bclEnd"></a><a name="XBRL_TS_590ea88d21994849a0dcea68c_bclEnd"></a><a name="XBRL_TS_bfaf99a4b214430f9778ed814_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_24_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Provisions for Taxes, Legal Contingents and Other Provisions. Changes
  Over the Year (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at
  beginning </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,425</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,028</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,771</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Additions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">455</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">868</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,109</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Acquisition of
  subsidiaries</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Unused amounts reversed during the period</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(184)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(164)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(311)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Amount used and other variations</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(410)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,306)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(540)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  end </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,286</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,425</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,028</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_a5cafb8d8cad453ea21906d78"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Ongoing legal proceedings and litigation</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_CS_cb68956214e246dea628e19dd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The financial sector faces an
environment of increasing regulatory and litigious pressure. In this
environment, the different Group&#8217;s entities are often parties to individual or collective
legal proceedings arising from the ordinary activity of their businesses. In
accordance with the procedural status of these proceedings and according to the
criteria of the attorneys who manage them, BBVA considers that none of them is
material, individually or in aggregate, and that no significant impact will
derive from them neither in the results of operations nor on liquidity, nor in
the financial position at a consolidated level of the Group, as at the level of
the individual Bank. The Group Management considers that the provisions made in
connection with these legal proceedings are adequate.</font></font><a name="XBRL_CS_cb68956214e246dea628e19dd_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As mentioned in Note 7.2
Risk factors, the Group is subject or may be subject in the future to a series
of legal and regulatory investigations, procedures and actions which, in case
of a negative result, could have an adverse impact on the Group</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font><a name="XBRL_TS_a5cafb8d8cad453ea21906d78_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-197</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_201"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_4e4775f0e4e54261aca6dc767"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">25.&#160; Post-employment and
other employee benefit commitments</font></b></font><a name="XBRL_TS_4e4775f0e4e54261aca6dc767_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_043fad4483874bc7be25f3400"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As stated in Note 2.2.12, the Group has assumed
commitments with employees including short-term employee benefits (see Note
44.1), defined contribution and defined benefit plans (see Glossary),
healthcare and other long-term employee benefits.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group sponsors defined-contribution plans
for the majority of its active employees with the plans in Spain and Mexico
being the most significant. Most defined benefit plans are closed to new
employees with liabilities relating largely to retired employees, the most
significant being those in Spain, Mexico, the United States and Turkey. In
Mexico, the Group provides medical benefits to a closed group of employees and
their family members, both active service and in retirees.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of
the balance sheet net defined benefit liability as of December 31, 2018, 2017
and 2016 is provided below:</font></font><a name="XBRL_TS_043fad4483874bc7be25f3400_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Net Defined Benefit Liability (asset) on the Consolidated Balance Sheet
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=67% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Pension commitments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,678</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,969</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,277</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Early retirement
  commitments</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,793</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,210</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,559</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Medical benefits
  commitments</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,114</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,204</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,015</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other long term employee benefits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total
  commitments</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,647</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,451</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,920</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=67% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Pension plan assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,694</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,892</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,909</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Medical benefit plan
  assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,146</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,114</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,113</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total plan
  assets </font></b></font><sup><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">(1)</font></b></font></sup></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,840</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,006</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,022</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total net
  liability / asset </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,807</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,445</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,898</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=67% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Net asset on the consolidated balance sheet&#160; (2)</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(41)</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(27)</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(194)</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Net liability on the consolidated balance sheet&#160; for provisions
  for pensions and similar obligations (3)</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,787</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,407</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,025</font></i></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=67% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Net liability on the consolidated balance sheet&#160; for other long
  term employee benefits (4)</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69</font></i></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_TS_219f2a53d487494492b6dd46e"></a><a name="XBRL_FS_782c37c37899432f979667e05"></a><a name="XBRL_TS_3c2d27af4d29405691a8885c6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)&#160; In Turkey, the
foundation responsible for managing the benefit commitments holds an additional
asset of </font></font><a name="XBRL_CS_58477750d5b1431dbf6c068c7"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">181</font></font><a name="XBRL_CS_58477750d5b1431dbf6c068c7_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&#8364; million
which, in accordance with IFRS regarding the asset ceiling, has not been
recognized in the Consolidated Financial Statements, because although it could
be used to reduce future pension contributions it could not be immediately
refunded to the employer.</font></font><a name="XBRL_FS_782c37c37899432f979667e05_bclEnd"></a><a name="XBRL_TS_3c2d27af4d29405691a8885c6_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_FS_87b8d8e9347b43a6959305f6f"></a><a name="XBRL_TS_4108e649bbb94ddb885526f21"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)&#160; Recorded under the
heading &#8220;Other Assets - Other&#8221; of the consolidated balance sheet (see Note 20).</font></font><a name="XBRL_FS_87b8d8e9347b43a6959305f6f_bclEnd"></a><a name="XBRL_TS_4108e649bbb94ddb885526f21_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_FS_fcff82c06cfe49648be0f47ba"></a><a name="XBRL_TS_f0db90d5230c475c93cafafe1"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(3)&#160; Recorded under the
heading &#8220;Provisions - Provisions for pensions and similar obligations&#8221; of the
consolidated balance sheet (see Note 24).</font></font><a name="XBRL_FS_fcff82c06cfe49648be0f47ba_bclEnd"></a><a name="XBRL_TS_f0db90d5230c475c93cafafe1_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_FS_696826b32c684929b1a980579"></a><a name="XBRL_TS_ffd8ee98d078467c869b3877b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(4)&#160; Recorded under the
heading &#8220;Provisions &#8211; Other long-term employee benefits&#8221; of the consolidated
balance sheet.</font></font><a name="XBRL_FS_696826b32c684929b1a980579_bclEnd"></a><a name="XBRL_TS_219f2a53d487494492b6dd46e_bclEnd"></a><a name="XBRL_TS_ffd8ee98d078467c869b3877b_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c74c2cc27bc54d469cdf0df05"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-198</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_202"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amounts
relating to benefit commitments charged to consolidated income statement for
the years 2018, 2017 and 2016 are as follows:</font></font><a name="XBRL_TS_c74c2cc27bc54d469cdf0df05_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Consolidated Income Statement Impact (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest and
  similar expenses </font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=56% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest expense</font></font></p>
  </td>
 <td width=11% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">295</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">294</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">303</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest income</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(217)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(223)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(207)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Personnel
  expenses</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">147</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">149</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">154</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=56% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Defined contribution plan
  expense</font></font></p>
  </td>
 <td width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44.1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">89</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Defined benefit plan
  expense</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44.1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Provisions
  (net)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">125</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">343</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">332</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=56% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Early retirement
  expense</font></font></p>
  </td>
 <td width=11% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">141</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">227</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">236</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=56% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Past service cost
  expense</font></font></p>
  </td>
 <td width=11% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(33)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=56% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Remeasurements </font></font><sup><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">(*)</font></font></sup></p>
  </td>
 <td width=11% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other provision
  expenses</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">95</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total impact on Consolidated Income Statement: Debit (Credit)</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">350</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">563</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">582</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_FS_2abe2124cfbf446ab76692b1a"></a><a name="XBRL_TS_8b3ed62f8cc24071888f1f74e"></a><a name="XBRL_TS_1a80ead2ab6d4b70ba3180148"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160; Actuarial
losses (gains) on remeasurement of the net defined benefit liability relating
to early retirements in Spain and other long-term employee benefits that are
charged to the income statements (see Note 2.2.12).</font></font><a name="XBRL_FS_2abe2124cfbf446ab76692b1a_bclEnd"></a><a name="XBRL_TS_1a80ead2ab6d4b70ba3180148_bclEnd"></a><a name="XBRL_TS_8b3ed62f8cc24071888f1f74e_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_ac3ce42ff8134b1abb140ab07"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amounts relating to post-employment
benefits charged to the consolidated balance sheet correspond to the actuarial
gains (losses) on remeasurement of the net defined benefit liability relating
to pension and medical commitments before income taxes. As of December 31,
2018, 2017 and 2016 are as follows:</font></font><a name="XBRL_TS_ac3ce42ff8134b1abb140ab07_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Equity Impact (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=57% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Defined benefit plans</font></font></p>
  </td>
 <td width=10% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">81</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(40)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">237</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Post-employment
  medical benefits</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(47)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">179</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">119</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total impact on equity: Debit (Credit)</font></b></font></p>
  </td>
 <td width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">140</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">356</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_16013fd7dbf0478db87a0cea2"></a></h2>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-199</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_203"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">25.1&#160; Defined
benefit plans</font></b></font><a name="XBRL_TS_16013fd7dbf0478db87a0cea2_bclEnd"></a></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_2ef3f2d1050b4553a353084a1"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Defined benefit commitments relate mainly to
employees who have already retired or taken early retirement, certain closed
groups of active employees still accruing defined benefit pensions, and
in-service death and disability benefits provided to most active employees. For
the latter, the Group pays the required premiums to fully insure the related
liability. The change in these pension commitments during the years ended
December 31, 2018, 2017 and 2016 is presented below:</font></font><a name="XBRL_TS_2ef3f2d1050b4553a353084a1_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_005dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=10 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Defined Benefits (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=29% style="border:none;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td width=29% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Defined
  Benefit Obligation</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Plan Assets</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Net Liability
  (asset)</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Defined
  Benefit Obligation</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Plan Assets</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Net Liability
  (asset)</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Defined
  Benefit Obligation</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Plan Assets</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Net Liability
  (asset)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,384</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,006</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,378</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,851</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,022</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,829</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,184</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,124</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,060</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Current service cost</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">61</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">61</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">67</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">67</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Interest income or
  expense</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">292</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">217</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">76</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">290</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">223</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">68</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">299</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">207</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">92</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Contributions by plan
  participants</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Employer
  contributions</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">103</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(103)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">154</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(154)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Past service costs <sup>(1)</sup></font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">109</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">109</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">231</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">231</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">235</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">235</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Remeasurements:</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(263)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(286)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">331</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">161</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">171</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">354</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">359</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160; Return on plan
  assets <sup>(2)</sup></font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(286)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">286</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">161</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(161)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">From changes in demographic assumptions</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">107</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">From changes in financial assumptions</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(274)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(274)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">220</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">220</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">106</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">106</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Other actuarial gain and losses</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">141</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">125</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Benefit payments</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(979)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(200)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(779)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,029)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(169)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(861)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1,052)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(169)</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(883)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Settlement payments</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(43)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(43)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Business combinations
  and disposals</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Effect on changes in foreign exchange rates</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(31)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(22)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(278)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(258)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(282)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(293)</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Conversions to
  defined contributions</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(82)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(82)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other&#160; effects</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">84</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">84</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,585</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,840</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,745</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,384</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,006</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,378</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,851</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,022</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,829</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Of which</font></i></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Spain</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,807</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">260</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,547</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,442</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">320</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,122</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,157</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">358</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,799</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexico</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,615</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,587</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,661</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,602</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">60</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,456</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,627</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(171)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">The United
  States</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">326</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">287</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">360</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">309</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">385</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">339</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkey</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">422</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">339</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">520</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">424</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">447</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">348</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">99</font></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_TS_2d548197ca2f41d1bd738d820"></a><a name="XBRL_FS_c8d1387de2e64e3894ff6b15a"></a><a name="XBRL_TS_f8fc56d702364e42a40b13595"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)&#160; Including gains and
losses arising from settlements.</font></font><a name="XBRL_FS_c8d1387de2e64e3894ff6b15a_bclEnd"></a><a name="XBRL_TS_f8fc56d702364e42a40b13595_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_FS_14aa4751b9c945b7923d56188"></a><a name="XBRL_TS_15b0d830c1a846cf977eec55e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)&#160; Excluding interest,
which is recorded under &quot;Interest income or expense&quot;.</font></font><a name="XBRL_FS_14aa4751b9c945b7923d56188_bclEnd"></a><a name="XBRL_TS_15b0d830c1a846cf977eec55e_bclEnd"></a><a name="XBRL_TS_2d548197ca2f41d1bd738d820_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:21.3pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-21.3pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c76c699537364226af0d23a57"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balance under the heading &#8220;Provisions -
Pensions and other post-employment defined benefit obligations&#8221; of the
accompanying consolidated balance sheet as of December 31, 2018 includes &#8364;</font></font><a name="XBRL_CS_118b945a9b5a453ba5b4304b1"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">332</font></font><a name="XBRL_CS_118b945a9b5a453ba5b4304b1_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> million relating to
post-employment benefit commitments to former members of the Board of Directors
and the Bank&#8217;s Management (see Note 54).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The most significant commitments are those in
Spain and Mexico and, to a lesser extent, in the United States and Turkey. The
remaining commitments are located mostly in Portugal and South America. Unless
otherwise required by local regulation, all defined benefit plans have been
closed to new entrants, who instead are able to participate in the Group&#180;s
defined contribution plans.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Both the costs and the present value of the
commitments are determined by independent qualified actuaries using the
&#8220;projected unit credit&#8221; method.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In order to guarantee the good governance of
these plans, the Group has established specific benefits committees. These
benefit committees include members from the different areas of the business to
ensure that all decisions are made taking into consideration all of the
associated impacts.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The following table sets out the key actuarial assumptions used in
the valuation of these commitments as of December 31, 2018, 2017 and 2016:</font></font><a name="XBRL_TS_c76c699537364226af0d23a57_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_006_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:6.75pt;">
  <td colspan=13 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Actuarial Assumptions (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=11% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:34.5pt;">
  <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USA</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Spain </font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USA</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USA</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 </tr>
<tr style="height:6.75pt;">
  <td width=11% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Discount rate</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.28%</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10.45%</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4.23%</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16.30%</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.24%</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9.48%</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.57%</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11.60%</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.50%</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9.95%</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4.04%</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11.50%</font></font></p>
  </td>
 </tr>
<tr style="height:6.75pt;">
  <td width=11% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Rate of salary
  increase</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4.75%</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14.00%</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4.75%</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9.90%</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.50%</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4.75%</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.00%</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9.30%</font></font></p>
  </td>
 </tr>
<tr style="height:6.75pt;">
  <td width=11% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Rate of pension
  increase</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.51%</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12.50%</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.13%</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8.40%</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.13%</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7.80%</font></font></p>
  </td>
 </tr>
<tr style="height:6.75pt;">
  <td width=11% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Medical cost trend
  rate</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7.00%</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16.70%</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7.00%</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12.60%</font></font></p>
  </td>
 <td nowrap width=8% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.75%</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:6.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10.92%</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=11% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mortality tables</font></font></p>
  </td>
 <td width=8% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PERM/F 2000P</font></font></p>
  </td>
 <td width=8% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EMSSA09</font></font></p>
  </td>
 <td width=8% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">RP 2014</font></font></p>
  </td>
 <td width=8% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">CSO2001</font></font></p>
  </td>
 <td width=7% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PERM/F 2000P</font></font></p>
  </td>
 <td width=7% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EMSSA09</font></font></p>
  </td>
 <td width=7% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">RP 2014</font></font></p>
  </td>
 <td width=7% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">CSO2001</font></font></p>
  </td>
 <td width=8% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PERM/F 2000P</font></font></p>
  </td>
 <td width=7% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EMSSA97 (adjustment
  EMSSA09)</font></font></p>
  </td>
 <td width=7% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">RP 2014</font></font></p>
  </td>
 <td width=7% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">CSO2001</font></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-200</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_204"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_ec07fc28cd7348d38f14b7e90"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In Spain, the discount rate shown as of
December, 31, 2018, corresponds to the weighted average rate, the actual
discount rates used are 0.50% and 1.75% depending on the type of commitment.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Discount rates used to value future benefit
cash flows have been determined by reference to high quality corporate bonds
(Note 2.2.12) denominated in Euro in the case of Spain, Mexican peso for Mexico
and USD for the United States, and government bonds denominated in new Turkish
Lira for Turkey.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The expected return on plan assets has been set
in line with the adopted discount rate.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assumed retirement ages have been set by
reference to the earliest age at which employees are entitled to retire, the
contractually agreed age in the case of early retirements in Spain or by using
retirement rates.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Changes in the main actuarial assumptions may affect the valuation
of the commitments. The table below shows the sensitivity of the benefit
obligations to changes in the key assumptions:</font></font><a name="XBRL_TS_ec07fc28cd7348d38f14b7e90_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_007anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:9.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Sensitivity Analysis (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=34% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=13% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Basis points
  change</font></b></font></p>
  </td>
 <td colspan=2 width=26% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td colspan=2 width=27% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Increase</font></b></font></p>
  </td>
 <td width=13% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Decrease</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Increase</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Decrease</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Discount rate</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(298)</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">332</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(352)</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">386</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Rate of salary increase</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=14% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Rate of pension
  increase</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 <td nowrap width=14% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(22)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Medical cost trend
  rate</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">229</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(181)</font></font></p>
  </td>
 <td nowrap width=14% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">290</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(225)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Change in obligation from each additional year of longevity</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">108</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">155</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_4202838aa1404020b6fca5138"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The sensitivities provided above have been
determined at the date of these consolidated financial statements, and reflect
solely the impact of changing one individual assumption at a time, keeping the
rest of the assumptions unchanged, thereby excluding the effects which may result
from combined assumption changes.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition to the commitments to employees
shown above, the Group has other less material long-term employee benefits.
These include long-service awards, which consist of either an established
monetary award or some vacation days granted to certain groups of employees
when they complete a given number of years of service. As of December 31, 2018,
2017 and 2016, the actuarial liabilities for the outstanding awards amounted to
&#8364;62 million, &#8364;67 million, and &#8364;69 million, respectively. These commitments are
recorded under the heading &quot;Provisions - Other long-term employee
benefits&quot; of the accompanying consolidated balance sheet (see Note 24).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As described above, the Group maintains both
pension and medical post-employment benefit commitments with their employees.</font></font><a name="XBRL_TS_4202838aa1404020b6fca5138_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_1bf029a75f07434a874d2ba80"></a><a name="_Toc106046"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-201</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_205"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">25.1.1 Post-employment commitments and similar
obligations</font></b></font><a name="XBRL_TS_1bf029a75f07434a874d2ba80_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c1088908007243ce9837cf88e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These commitments relate mostly to pensions in
payment, and which have been determined based on salary and years of service.
For most plans, pension payments are due on retirement, death and long term
disability.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_274773578ff54c3c96294d73d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, during the year 2018, Group
entities in Spain offered certain employees the option to take retirement or
early retirement (that is, earlier than the age stipulated in the collective
labor agreement in force). This offer was accepted by </font></font><a name="XBRL_CS_c3a9dfc8da0e4eedae5bbf881"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">489</font></font><a name="XBRL_CS_c3a9dfc8da0e4eedae5bbf881_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> employees (<a name="XBRL_CS_ae37a87dea3246fc856ae9f6d"></a>731<a name="XBRL_CS_ae37a87dea3246fc856ae9f6d_bclEnd"></a> and <a name="XBRL_CS_0cdb1b0a6a274f38a595c04a1"></a>613<a name="XBRL_CS_0cdb1b0a6a274f38a595c04a1_bclEnd"></a> employees during years
2017 and 2016, respectively). These commitments include the compensation and
indemnities due as well as the contributions payable to external pension funds
during the early retirement period</font></font><a name="XBRL_CS_274773578ff54c3c96294d73d_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. As of December 31, 2018,
2017 and 2016, the value of these commitments amounted to &#8364;<a name="XBRL_CS_c3915eef21c8446cad305ecc0"></a>1,793<a name="XBRL_CS_c3915eef21c8446cad305ecc0_bclEnd"></a> million, &#8364;<a name="XBRL_CS_ab983965ba2c4f82853012851"></a>2,210<a name="XBRL_CS_ab983965ba2c4f82853012851_bclEnd"></a> million and &#8364;<a name="XBRL_CS_56b6735a8ab44bfbb2ef43aec"></a>2,559<a name="XBRL_CS_56b6735a8ab44bfbb2ef43aec_bclEnd"></a> million, respectively. The
change in the benefit plan obligations and plan assets as of December 31, 2018
was as follows:</font></font><a name="XBRL_TS_c1088908007243ce9837cf88e_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_009.1dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Post-employment commitments&#160; 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=53% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Defined
  Benefit Obligation</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USA</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Rest of the
  world</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=47% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,442</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">470</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">360</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">520</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">387</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Current service cost</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Interest income or
  expense</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">44</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Contributions by plan
  participants</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Employer
  contributions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Past service costs <sup>(1)</sup></font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">148</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Remeasurements:</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(32)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(28)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Return on plan assets
  <sup>(2)</sup></font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">From changes in demographic assumptions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">From changes in financial assumptions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(28)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(45)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Other actuarial gain and losses</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(32)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Benefit payments</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(824)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(48)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(35)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Settlement payments</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Business combinations
  and disposals</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Effect on changes in foreign exchange rates</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(134)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Conversions to
  defined contributions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other&#160; effects</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=47% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,807</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">512</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">326</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">422</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">402</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Vested benefit obligation relating to current employees</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">111</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A7A7A7;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A7A7A7;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="background:#A7A7A7;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="background:#A7A7A7;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Vested benefit obligation relating to retired employees</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,696</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A7A7A7;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#A7A7A7;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="background:#A7A7A7;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="background:#A7A7A7;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_009.2dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Post-employment commitments&#160; 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=47% style="border:none;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=53% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Plan Assets</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USA</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Rest of the
  world</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=47% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">320</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">488</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">309</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">424</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">351</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Current service cost</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Interest income or
  expense</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Contributions by plan
  participants</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Employer
  contributions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Past service costs </font></font><sup><font color=#0066CC face=Arial,sans-serif style="border:none;"><font color=#0066CC face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></sup></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Remeasurements:</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(70)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Return on plan assets
  </font></font><sup><font color=#0066CC face=Arial,sans-serif style="border:none;"><font color=#0066CC face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></sup></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(70)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">From changes in demographic assumptions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">From changes in financial assumptions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Other actuarial gain and losses</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Benefit payments</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(61)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(47)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(33)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Settlement payments</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Business combinations
  and disposals</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Effect on changes in foreign exchange rates</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(108)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Conversions to
  defined contributions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other&#160; effects</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=47% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">260</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">441</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">287</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">339</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">366</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-202</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_206"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_009.3dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Post-employment commitments&#160; 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=48% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=52% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Net Liability
  (Asset)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=48% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USA</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Rest of the
  world</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=48% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,122</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(18)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">51</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">96</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">36</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Current service cost</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Interest income or
  expense</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Contributions by plan
  participants</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Employer
  contributions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Past service costs </font></font><sup><font color=#0066CC face=Arial,sans-serif style="border:none;"><font color=#0066CC face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></sup></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">148</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Remeasurements:</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(28)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">88</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Return on plan assets
  </font></font><sup><font color=#0066CC face=Arial,sans-serif style="border:none;"><font color=#0066CC face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></sup></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">70</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">From changes in demographic assumptions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">From changes in financial assumptions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(28)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(45)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Other actuarial gain and losses</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(32)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Benefit payments</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(763)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Settlement payments</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Business combinations
  and disposals</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Effect on changes in foreign exchange rates</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(26)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Conversions to
  defined contributions</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=48% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other&#160; effects</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=48% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,547</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">71</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">39</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">83</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">35</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;text-indent:-14.2pt;"><a name="XBRL_TS_27025da32784406aa61311907"></a><a name="XBRL_TS_169742502a0043cbaab8c5abb"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)&#160; Including gains and
losses arising from settlements.</font></font><a name="XBRL_TS_169742502a0043cbaab8c5abb_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_TS_ef8d13d7193841799a581f3b4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)&#160; Excluding interest,
which is recorded under &quot;Interest income or expense&quot;.</font></font><a name="XBRL_TS_27025da32784406aa61311907_bclEnd"></a><a name="XBRL_TS_ef8d13d7193841799a581f3b4_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:8.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:107%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_59904076b363410cb8e5fe6bb"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The change in net liabilities (assets) during
the years ended 2017 and 2016 was as follows:</font></font><a name="XBRL_TS_59904076b363410cb8e5fe6bb_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_012anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=11 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Post-employment commitments (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=20% style="border:none;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=40% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017: Net
  liability (asset)</font></b></font></p>
  </td>
 <td colspan=5 width=40% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016: Net
  liability (asset)</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USA</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Rest of the
  world</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USA</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Rest of the
  world</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,799</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(59)</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">99</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">43</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,109</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(79)</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">35</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">97</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Current service cost</font></font></p>
  </td>
 <td width=8% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td width=8% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td width=8% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td width=8% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td width=8% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td width=8% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td width=8% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td width=8% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td width=8% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td width=8% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Interest income or
  expense</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">73</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Contributions by plan
  participants</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Employer
  contributions</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(16)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(14)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=20% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Past service costs </font></font><sup><font color=#0066CC face=Arial,sans-serif style="border:none;"><font color=#0066CC face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></sup></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">235</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">240</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Remeasurements:</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(67)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">188</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=20% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Return on plan assets
  </font></font><sup><font color=#0066CC face=Arial,sans-serif style="border:none;"><font color=#0066CC face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></sup></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(101)</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(35)</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(23)</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">From changes in demographic assumptions</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">From changes in financial assumptions</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(33)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">81</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">192</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(22)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(23)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">37</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Other actuarial gain and losses</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Benefit payments</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(842)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(867)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Settlement payments</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(43)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Business combinations
  and disposals</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Effect on changes in foreign exchange rates</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Conversions to
  defined contributions</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(82)</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other&#160; effects</font></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">63</font></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,122</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(18)</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">51</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">96</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">36</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,799</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(59)</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">99</font></b></font></p>
  </td>
 <td width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;text-indent:-14.2pt;"><a name="XBRL_TS_124ad372a04b4382af646fe6e"></a><a name="XBRL_TS_d79375b88b234bb7a1884ddfe"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)&#160; Includes gains and
losses from settlements.</font></font><a name="XBRL_TS_d79375b88b234bb7a1884ddfe_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_TS_b11235b733eb4132be985c7b7"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)&#160; Excludes interest which
is reflected in the line item &#8220;Interest income and expenses&#8221;.</font></font><a name="XBRL_TS_124ad372a04b4382af646fe6e_bclEnd"></a><a name="XBRL_TS_b11235b733eb4132be985c7b7_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_729f4fc8913545d18e6ba22d8"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In Spain, local regulation requires that
pension and death benefit commitments must be funded, either through a
qualified pension plan or an insurance contract.</font></font><a name="XBRL_TS_729f4fc8913545d18e6ba22d8_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_88fee7f146e448fea8e5d1cd4"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-203</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_207"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the Spanish
entities these commitments are covered by insurance contracts which meet the
requirements of the accounting standard regarding the non-recoverability of
contributions. However, a significant number of the insurance contracts are
with BBVA Seguros, S.A. &#8211; a consolidated subsidiary and related party &#8211; and
consequently these policies cannot be considered plan assets under IAS 19. For
this reason, the liabilities insured under these policies are fully recognized
under the heading &quot;Provisions &#8211; Pensions and other postemployment defined
benefit obligations&quot; of the accompanying consolidated balance sheet (see
Note 24), while the related assets held by the insurance company are included
within the Group&#180;s consolidated assets (recorded according to the
classification of the corresponding financial instruments). As of December 31,
2018 the value of these separate assets was &#8364;2,543 million, representing direct
rights of the insured employees held in the consolidated balance sheet, hence
these benefits are effectively fully funded.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On the other hand, some pension commitments
have been funded through insurance contracts with insurance companies not
related to the Group, and can therefore be considered qualifying insurance
policies and plan assets under IAS 19. In this case the accompanying consolidated
balance sheet reflects the value of the obligations net of the fair value of
the qualifying insurance policies. As of December 31, 2018, 2017 and 2016, the
fair value of the aforementioned insurance policies (&#8364;260, &#8364;320 million and
&#8364;358 million, respectively) exactly match the value of the corresponding
obligations and therefore no amount for this item has been recorded in the
accompanying consolidated balance sheet.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Pensions benefits are paid by the insurance
companies with whom BBVA has insurance contracts and to whom all insurance
premiums have been paid. The premiums are determined by the insurance companies
using &#8220;cash flow matching&#8221; techniques to ensure that benefits can be met when
due, guaranteeing both the actuarial and interest rate risk.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In Mexico, there is a defined benefit plan for
employees hired prior to 2001. Other employees participate in a defined
contribution plan. External funds/trusts have been constituted locally to meet
benefit payments as required by local regulation.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the United States there are mainly two
defined benefit plans, both closed to new employees, who instead are able to
join a defined contribution plan. External funds/trusts have been constituted
locally to fund the plans, as required by local regulation.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In 2008, the Turkish government passed a law to
unify the different existing pension systems under a single umbrella Social
Security system. Such system provides for the transfer of the various
previously established funds.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The financial sector is in this stage at
present, maintaining these pension commitments managed by external pension
funds (foundations) established for that purpose.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Foundation that maintains the assets and
liabilities relating to employees of Garanti in Turkey, as per the local
regulatory requirements, has recorded an obligation amounting to &#8364;241 million
as of December 31, 2018 pending future transfer to the Social Security system.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Furthermore, Garanti has set up a defined
benefit pension plan for employees, additional to the social security benefits,
reflected in the consolidated balance sheet.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Until the year 2016, the Bank also had
commitments to pay indemnities to certain employees and members of the Group&#8217;s
Senior Management in the event that they cease to hold their positions for
reasons other than their own will, retirement, disability or serious
dereliction of duties. The amount will be calculated according to the salary
and professional conditions of each employee, taking into consideration fixed
elements of the remuneration and the length of office at the Bank. Under no
circumstances indemnities will be paid in cases of disciplinary dismissal for
misconduct upon decision of the employer on grounds of the employee's serious
dereliction of duties.</font></font><a name="XBRL_TS_88fee7f146e448fea8e5d1cd4_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_fb12e618f8ef4f0f88f3033e3"></a><a name="_Toc106047"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-204</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_208"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">25.1.2 Medical benefit commitments</font></b></font><a name="XBRL_TS_fb12e618f8ef4f0f88f3033e3_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_4f1baa88f936401cb59ee37f4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The change in defined benefit obligations and
plan assets during the years 2018, 2017 and 2016 was as follows:</font></font><a name="XBRL_TS_4f1baa88f936401cb59ee37f4_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_018dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=10 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Medical Benefits
  Commitments</font></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=28% style="border:none;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=24% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td colspan=3 width=24% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td colspan=3 width=24% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:42.75pt;">
  <td width=28% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Defined
  Benefit Obligation</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Plan assets</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Net liability
  (asset)</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Defined
  Benefit Obligation</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Plan assets</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Net liability
  (asset)</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Defined
  Benefit Obligation</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Plan assets</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Net liability
  (asset)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  beginning</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,204</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,114</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">91</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,015</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,113</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(98)</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,022</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,149</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(127)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Current service cost</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Interest income or
  expense</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">116</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">109</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">101</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">112</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">86</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">97</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Contributions by plan
  participants</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Employer
  contributions</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(71)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">114</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(114)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Past service costs </font></font><sup><font color=#0066CC face=Arial,sans-serif style="border:none;"><font color=#0066CC face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></sup></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(42)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(42)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(11)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Remeasurements:</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(210)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(164)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(47)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">200</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">179</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(60)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">119</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160; Return on plan
  assets </font></font><sup><font color=#0066CC face=Arial,sans-serif style="border:none;"><font color=#0066CC face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></sup></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(164)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">164</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(60)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">60</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; From changes in demographic assumptions</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">110</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">110</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; From changes in financial assumptions</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(182)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(182)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">128</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">128</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(91)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(91)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Other actuarial gain and losses</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(28)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(28)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(10)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">39</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Benefit payments</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(34)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(33)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(35)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(33)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(33)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(30)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Settlement payments</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Business combinations
  and disposals</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Effect on changes in foreign exchange rates</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(92)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(100)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(138)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(156)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other&#160; effects</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=28% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,114</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,146</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(32)</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,204</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,114</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">91</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,015</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,113</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(98)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_TS_c667cdd42df04f3d9c2d4a67e"></a><a name="XBRL_TS_83e5f653aa184e2e85bc84147"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)&#160; Including gains and
losses arising from settlements.</font></font><a name="XBRL_TS_83e5f653aa184e2e85bc84147_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-14.2pt;"><a name="XBRL_TS_811a8efa1ad24ab1bfe96a686"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)&#160; Excluding interest,
which is recorded under &quot;Interest income or expense&quot;.</font></font><a name="XBRL_TS_811a8efa1ad24ab1bfe96a686_bclEnd"></a><a name="XBRL_TS_c667cdd42df04f3d9c2d4a67e_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d3aeda29b0a34bb699cefa5fd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In Mexico, there is a medical benefit plan for
employees hired prior to 2007. New employees from 2007 are covered by a medical
insurance policy. An external trust has been constituted locally to fund the
plan, in accordance with local legislation and Group policy.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In Turkey, employees are currently provided
with medical benefits through a foundation in collaboration with the Social
Security system, although local legislation prescribes the future unification
of this and similar systems into the general Social Security system itself.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The valuation of these benefits and their
accounting treatment follow the same methodology as that employed in the
valuation of pension commitments.</font></font><a name="XBRL_TS_d3aeda29b0a34bb699cefa5fd_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_0c97881ffbd548f8894106a43"></a><a name="_Toc106048"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">25.1.3
Estimated benefit payments</font></b></font><a name="XBRL_TS_0c97881ffbd548f8894106a43_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_aa514cc93d9d4df3b05eba916"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, the estimated benefit
payments over the next ten years for all the entities in Spain, Mexico, The
United States and Turkey are as follows:</font></font><a name="XBRL_TS_aa514cc93d9d4df3b05eba916_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_017_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Estimated Benefit Payments (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td nowrap width=28% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2019</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2020</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2021</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2022</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2023</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2024-2028</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commitments in Spain</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">684</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">611</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">518</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">419</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">333</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">965</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commitments in Mexico</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">92</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">99</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">106</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">112</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">680</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commitments in United
  States</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">103</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commitments in Turkey</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">231</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=28% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">815</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">734</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">652</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">563</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">489</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,979</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_b1afb7647599403a97c103d20"></a><a name="_Toc106049"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-205</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_209"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;">25.1.4 Plan assets</font></b></font><a name="XBRL_TS_b1afb7647599403a97c103d20_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_1f22337e1814464ab3f4a3d73"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The majority of the Group&#180;s defined benefit
plans are funded by plan assets held in external funds/trusts legally separate
from the Group sponsoring entity. However, in accordance with local regulation,
some commitments are not externally funded and covered through internally held
provisions, principally those relating to early retirements in Spain.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Plan assets are those assets which will be used
to directly settle the assumed commitments and which meet the following
conditions: they are not part of the Group sponsoring entities assets, they are
available only to pay post-employment benefits and they cannot be returned to
the Group sponsoring entity.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">To manage the assets associated with defined
benefit plans, BBVA Group has established investment policies designed
according to criteria of prudence and minimizing the financial risks associated
with plan assets.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The investment policy consists of investing in
a low risk and diversified portfolio of assets with maturities consistent with
the term of the benefit obligation and which, together with contributions made
to the plan, will be sufficient to meet benefit payments when due, thus
mitigating the plans&#8216; risks.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In those countries where plan assets are held
in pension funds or trusts, the investment policy is developed consistently
with local regulation. When selecting specific assets, current market
conditions, the risk profile of the assets and their future market outlook are
all taken into consideration. In all the cases, the selection of assets takes
into consideration the term of the benefit obligations as well as short-term
liquidity requirements.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The risks associated with these commitments are
those which give rise to a deficit in the plan assets. A deficit could arise
from factors such as a fall in the market value of plan assets, an increase in
long-term interest rates leading to a decrease in the fair value of fixed
income securities, or a deterioration of the economy resulting in more
write-downs and credit rating downgrades.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below shows the allocation of plan
assets of the main companies of the BBVA Group as of December 31, 2018:</font></font><a name="XBRL_TS_1f22337e1814464ab3f4a3d73_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_016_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Plan Assets Breakdown (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td nowrap width=89% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cash or cash
  equivalents</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities
  (Government bonds)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,080</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Property</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mutual funds</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Insurance contracts</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">132</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other investments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=89% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,241</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Bank account in
  BBVA</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Debt securities issued by BBVA</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Property
  occupied by BBVA</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_bf37e8a9f40b402fbde9fce56"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition to the above there are plan assets
relating to the previously mentioned insurance contracts in Spain and the
foundation in Turkey.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The following table provides details of
investments in listed securities (Level 1) as of December 31, 2018:</font></font><a name="XBRL_TS_bf37e8a9f40b402fbde9fce56_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_25_016.2_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Investments in listed
  markets</font></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td nowrap width=89% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=89% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cash or cash
  equivalents</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities
  (Government bonds)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,080</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mutual funds</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=89% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,109</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Bank account
  in BBVA</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Debt securities issued by BBVA</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=89% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Property
  occupied by BBVA</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-206</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_8a6d237df5a64687bfd1b428d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The remainders of the assets are mainly
invested in Level 2 assets in in accordance with the classification established
under IFRS 13 (mainly insurance contracts). As of December 31, 2018, almost all
of the assets related to employee&#8217;s commitments corresponded to fixed income
securities.</font></font><a name="XBRL_TS_8a6d237df5a64687bfd1b428d_bclEnd"></a></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_86d322277b67453aa36fc1727"></a><a name="_Toc106050"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">25.2&#160; Defined
contribution </font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">plans</font></b></font><a name="XBRL_TS_86d322277b67453aa36fc1727_bclEnd"></a></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c8a0d590bd844fe5829b65c03"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Certain Group entities sponsor defined
contribution plans. Some of these plans allow employees to make contributions
which are then matched by the employer.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Contributions are recognized as and when they
are accrued, with a charge to the consolidated income statement in the
corresponding year. No liability is therefore recognized in the accompanying
consolidated balance sheet (see Note 44.1).</font></font><a name="XBRL_TS_c8a0d590bd844fe5829b65c03_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_d4dd698e80df4ef2a1b838560"></a><a name="_Toc106051"></a><a name="_Toc495478140"></a><a name="_Toc481589088"></a><a name="_Toc474142290"></a><a name="_Toc457490033"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">26.&#160;&#160; Common stock</font></b></font><a name="XBRL_TS_d4dd698e80df4ef2a1b838560_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_25071d3d464d4ff68c823b5b9"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018 BBVA&#8217;s common stock
amounted to &#8364;</font></font><a name="XBRL_CS_74a8cb874b354c989fc3adb34"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">3,267,264,424.20</font></font><a name="XBRL_CS_74a8cb874b354c989fc3adb34_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> divided into <a name="XBRL_CS_dc94323f5f7647bc853a648cd"></a>6,667,886,580<a name="XBRL_CS_dc94323f5f7647bc853a648cd_bclEnd"></a>&#160; fully subscribed and
paid-up registered shares, all of the same class and series, at &#8364;<a name="XBRL_CS_afeb80587f654970a8506ba46"></a>0.49<a name="XBRL_CS_afeb80587f654970a8506ba46_bclEnd"></a> par value each,
represented through book-entries. All of the Bank shares carry the same voting
and dividend rights, and no single stockholder enjoys special voting rights.
Each and every share is part of the Bank&#8217;s common stock. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_36468a1f67e345d695eac6da3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Bank&#8217;s shares are traded on the stock
markets of Madrid, Barcelona, Bilbao and Valencia through the </font><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Sistema de
Interconexi&#243;n Burs&#225;til Espa&#241;ol (Mercado Continuo),</font></i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> as well as on the London
and Mexico stock markets. BBVA American Depositary Shares (ADSs) traded on the
New York Stock Exchange.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additionally, as of December 31, 2018, the
shares of BBVA Banco Continental, S.A.; Banco Provincial, S.A.; BBVA Colombia,
S.A.; BBVA Banco Franc&#233;s, S.A. and Turkiye Garanti Bankasi A.S., were listed on
their respective local stock markets. BBVA Banco Franc&#233;s, S.A. was also quoted
in the Latin American market (Latibex) of the Madrid Stock Exchange and the New
York Stock Exchange.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, State Street Bank and Trust
Co., Chase Nominees Ltd and The Bank of New York Mellon SA NV in their capacity
as international custodian/depositary banks, held <a name="XBRL_CS_c6e30bad454f458dabd7ce620"></a>10.69%<a name="XBRL_CS_c6e30bad454f458dabd7ce620_bclEnd"></a>, <a name="XBRL_CS_aae236a703e541a19d7873c3f"></a>6.33%<a name="XBRL_CS_aae236a703e541a19d7873c3f_bclEnd"></a>, and <a name="XBRL_CS_d635fe6f8bf940e59dfb71989"></a>2.31%<a name="XBRL_CS_d635fe6f8bf940e59dfb71989_bclEnd"></a> of BBVA common stock,
respectively. Of said positions held by the custodian banks, BBVA is not aware
of any individual shareholders with direct or indirect holdings greater than or
equal to 3% of BBVA common stock outstanding.</font></font><a name="XBRL_CS_36468a1f67e345d695eac6da3_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_3b852f0efa9547efa63c52e35"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On February 4, 2019, Blackrock, Inc. reported
to the SEC that, as of December 31, 2018, it beneficially owned 6.6% of BBVA&#8217;s
common stock.</font></font><a name="XBRL_CS_3b852f0efa9547efa63c52e35_bclEnd"></a><a name="XBRL_TS_25071d3d464d4ff68c823b5b9_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_4e9427e293924eb9a1a308352"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA is not aware of any direct or indirect
interests through which control of the Bank may be exercised. BBVA has not
received any information on stockholder agreements including the regulation of
the exercise of voting rights at its annual general meetings or restricting or
placing conditions on the free transferability of BBVA shares. No agreement is
known that could give rise to changes in the control of the Bank.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The changes in the heading &#8220;Paid up Capital&#8221; of
the accompanying consolidated balance sheets are due to</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">the following
common stock increases:</font></font><a name="XBRL_TS_4e9427e293924eb9a1a308352_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_26_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Capital Increase</font></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Number of
  Shares</font></b></font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Common Stock</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">As of December 31, 2015</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,366,680,118</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,120</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=58% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Dividend option -
  April 2016</font></font></p>
  </td>
 <td nowrap width=21% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">113,677,807</font></font></p>
  </td>
 <td nowrap width=21% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=58% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Dividend option -
  October 2016</font></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">86,257,317</font></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">As of December
  31, 2016</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,566,615,242</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,218</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=58% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Dividend option .
  April 2017</font></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">101,271,338</font></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">As of December
  31, 2017</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,667,886,580</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,267</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=58% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">As of December
  31, 2018</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,667,886,580</font></b></font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,267</font></b></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-207</font></font></p>


</DIV>
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_cd24fec12f194dbb9990357bf"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&#8220;Dividend Option&#8221; Program in 2017:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The AGM of BBVA held on March 17, 2017 adopted,
under agenda item three, a capital increase to be charged to voluntary reserves
to implement the shareholder remuneration system called the &#8220;Dividend Option&#8221;
this year in similar conditions to those agreed in 2014, 2015 and 2016,
conferring on the Board of Directors, in accordance with article 297.1.a) of
the Spanish Companies Act, the authority to set the date on which the capital increase
should be carried out, within one year of the date of approval of the AGM
resolution.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">By virtue of such resolution, the Board of
Directors of BBVA resolved, on March 29, 2017, to execute the capital increase
to be charged to voluntary reserves, in accordance with the terms and
conditions approved by the AGM mentioned above. As a result, BBVA&#8217;s share
capital was increased by an amount of 49,622,955.62 euros through the issuance
of 101,271,338 newly-issued BBVA ordinary shares at 0.49 euros par value each
(see Note 4).</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&#8220;Dividend Option&#8221;
Program in 2016:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The AGM held on March 11, 2016, under agenda
item three, adopted four capital increase resolutions to be charged to
voluntary reserves to once again implement the shareholder remuneration program
called the &#8220;Dividend Option&#8221; (see Note 4), conferring on the Board of
Directors, in accordance with article 297.1 a) of the Spanish Companies Act,
the authority to set the date on which said capital increases should be carried
out, within one year of the date of approval of the AGM resolution, including
the power not to implement any of the resolutions, when deemed advisable.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On March 31, 2016, the Board of Directors of
BBVA approved the execution of the first of the capital increases charged to
voluntary reserves, in accordance with the terms and conditions agreed by the
aforementioned AGM. As a result of this increase, the Bank&#8217;s capital increased
by &#8364;55,702,125.43 through the issuance of 113,677,807 ordinary shares at &#8364;0.49
par values each.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On September 28, 2016, BBVA&#8217;s Board of
Directors approved the execution of the second of the capital increases charged
to voluntary reserves in accordance with the terms and conditions agreed by the
aforementioned AGM. As a result of this increase, the Bank&#8217;s capital increased
by &#8364;42,266,085.33 through the issuance of 86,257,317 ordinary shares at &#8364;0.49
par value each.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-208</font></font></p>


</DIV>
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Convertible and/or exchangeable securities:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_e4f1adc7cdb74e79b0117f644"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The AGM held on March 17, 2017, resolved, under
agenda item five, to confer authority to the Board of Directors to issue
securities convertible into newly issued BBVA shares, on one or several
occasions, within the maximum term of five years to be counted from the approval
date of the authorization, up to a maximum overall amount of &#8364;8 billion or its
equivalent in any other currency</font></font><a name="XBRL_CS_e4f1adc7cdb74e79b0117f644_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. Likewise, the AGM resolved
to confer to the Board of Directors the authority to totally or partially
exclude shareholders&#8217; pre-emptive subscription rights within the framework of a
specific issue of convertible securities, although this power was limited to
ensure the nominal amount of the capital increases resolved or effectively
carried out to cover the conversion of mandatory convertible issuances of this
authority (without prejudice to anti-dilution adjustments), with exclusion of
pre-emptive subscription rights and of those likewise resolved or carried out
with exclusion of pre-emptive subscription rights in use of the authority to increase
the share capital conferred by the AGM held on March 17, 2017, under agenda
item four, do not exceed the maximum nominal amount, overall, of 20% of the
share capital of BBVA at the time of the authorization, this limit not being
applicable to contingent convertible issues.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In use of the authority mentioned above, BBVA
carried out, on May 24, 2017 the fifth issuance of perpetual contingent
convertible securities (additional tier 1 instrument), with exclusion of
pre-emptive subscription rights of shareholders, for a total nominal amount of
&#8364;<a name="XBRL_CS_d945ffaabedc442d9cbe732e9"></a>500<a name="XBRL_CS_d945ffaabedc442d9cbe732e9_bclEnd"></a> million. This issuance is
listed in the Global Exchange Market of the Irish Stock Exchange and was
targeted only at qualified investors, not being offered to, and not being
subscribed for, in Spain or by Spanish residents. The issuance qualifies as
additional tier 1 capital of the Bank and the Group in accordance with
Regulation EU 575/2013 (see Note 22.4).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Likewise, in use of such authority, BBVA
carried out, on November 14, 2017 the sixth issuance of perpetual contingent
convertible securities (additional tier 1 instrument), with exclusion of
pre-emptive subscription rights of shareholders, for a total nominal amount of
$<a name="XBRL_CS_ed58e6d782454b2bb12ea3b50"></a>1,000<a name="XBRL_CS_ed58e6d782454b2bb12ea3b50_bclEnd"></a> million. This issuance is
listed in the Global Exchange Market of the Irish Stock Exchange and was
targeted only at qualified investors, not being offered to, and not being
subscribed for, in Spain or by Spanish residents. The qualification of this
issuance as additional tier 1 capital has been requested (see Note 22.4).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In past years, BBVA has carried out, in use of
the authority to issue convertible securities conferred by the AGM held on
March 16, 2012 (in effect until March 16, 2017), four additional issuances of
perpetual contingent convertible securities (additional tier 1 instrument),
with exclusion of pre-emptive subscription rights of shareholders (in April
2013 for an amount of $<a name="XBRL_CS_2df351e5d316460992577ee06"></a>1.5<a name="XBRL_CS_2df351e5d316460992577ee06_bclEnd"></a> billion, in February 2014
and February 2015 for an amount of &#8364;<a name="XBRL_CS_7b874e5ebbdf401e81fda34d5"></a><a name="XBRL_CS_0c41f491b54c47fcb56e4ad1f"></a>1.5<a name="XBRL_CS_0c41f491b54c47fcb56e4ad1f_bclEnd"></a><a name="XBRL_CS_7b874e5ebbdf401e81fda34d5_bclEnd"></a> billion each one, and in
April 2016 for an amount of &#8364;<a name="XBRL_CS_a93f0880c5474efdbb69a35f1"></a>1<a name="XBRL_CS_a93f0880c5474efdbb69a35f1_bclEnd"></a> billion). These issuances
were targeted only at qualified investors and foreign private banking clients
not being offered to, and not being subscribed for, in Spain or by Spanish
residents. The first two issuances are listed in the Singapore Exchange
Securities Trading Limited and the last two issuances are listed in the Global
Exchange Market of the Irish Stock Exchange. Furthermore, these four issuances
qualify as additional tier 1 capital of the Bank and the Group in accordance
with Regulation UE 575/2013 (see Note 22.4).
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-209</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Convertible and/or exchangeable securities:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_f1100f47f2f4487887e90a801"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">BBVA&#8217;s AGM held on March 17,
2017 resolved, under agenda item four, to confer authority on the Board of
Directors to increase Bank&#8217;s share capital, on one or several occasions,
subject to provisions in the law and in the Company Bylaws that may be
applicable at any time, within the legal term of five years of the approval
date of the authorization, up to the maximum amount corresponding to 50% of
Bank&#8217;s share capital at the time on which the resolution was adopted, likewise
conferring authority to the Board of Directors to totally or partially exclude
shareholders&#8217; pre-emptive subscription rights over any specific issue that may
be made under such authority; although the power to exclude pre-emptive
subscription rights was limited, such that the nominal amount of the capital increases
resolved or effectively carried out with the exclusion of pre-emptive
subscription rights in use of the referred authority and those that may be
resolved or carried out to cover the conversion of mandatory convertible issues
that may equally be made with the exclusion of pre-emptive subscription rights
in use of the authority to issue convertible securities conferred by the AGM
held on March 17, 2017, under agenda item five (without prejudice to the
anti-dilution adjustments) shall not exceed the nominal maximum overall amount
of 20% of the share capital of BBVA at the time of the authorization.</font></font><a name="XBRL_CS_f1100f47f2f4487887e90a801_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;"><font color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">As of the date of this document, the Bank&#8217;s Board of Directors has
not exercised the authority conferred by the AGM.</font></font><a name="XBRL_TS_cd24fec12f194dbb9990357bf_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc376949983"></a><a name="_Toc347755864"></a><a name="_Toc331260326"></a><a name="_Toc299032885"></a><a name="_Toc299031546"></a><a name="_Toc299029464"></a><a name="_Toc298431728"></a><a name="XBRL_TS_d484d7ebe0104dc7a01e7d8d7"></a><a name="_Toc106052"></a><a name="_Toc495478141"></a><a name="_Toc481589089"></a><a name="_Toc474142291"></a><a name="_Toc457490034"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">27.&#160;&#160; Share premium</font></b></font><a name="XBRL_TS_d484d7ebe0104dc7a01e7d8d7_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3da93d8ea1884eb682572884d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016, the
balance under this heading in the accompanying consolidated balance sheets was
&#8364;23,992 million. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amended Spanish Corporation Act expressly
permits the use of the share premium balance to increase capital and
establishes no specific restrictions as to its use<a name="Nota_29"></a><a name="Nota_29_bclEnd"></a> (see Note 26).</font></font><a name="XBRL_TS_3da93d8ea1884eb682572884d_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_dd4c679a55d6459593b1db4a1"></a><a name="_Toc106053"></a><a name="_Toc495478142"></a><a name="_Toc481589090"></a><a name="_Toc474142292"></a><a name="_Toc457490035"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">28.&#160;&#160; Retained earnings,
revaluation reserves and other reserves</font></b></font><a name="XBRL_TS_dd4c679a55d6459593b1db4a1_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d23048a087584904ac3bb55ac"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated balance sheet is as follows:</font></font><a name="XBRL_TS_d23048a087584904ac3bb55ac_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_28_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:21.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Retained earnings, revaluation reserves and other reserves. Breakdown
  by concepts (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Legal reserve</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">653</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">644</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">624</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Restricted reserve</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">133</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">159</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">201</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Reserves for regularizations and balance revaluations</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Voluntary reserves</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,010</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,643</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,521</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total reserves
  holding company </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,799</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,458</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,366</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Consolidation reserves attributed to the Bank and dependent
  consolidated companies.</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,164</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,132</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,439</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,963</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,590</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,805</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_bb4594b07c194e4fa279dd0bb"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The impact of the first application of IFRS 9
and the change in accounting policies due to hyperinflation is recorded in the
heading &quot;Consolidation reserves attributed to the Bank and dependent
consolidated companies&quot; of the previous table (see Notes 1.3, 2.4 and
2.2.20).</font></font><a name="XBRL_TS_bb4594b07c194e4fa279dd0bb_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_68246cc3ebbc483f82168cd46"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-210</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_214"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-35.45pt;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;line-height:115%;">28.1&#160; Legal reserve</font></b></font><a name="XBRL_TS_68246cc3ebbc483f82168cd46_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_688691d787184a5aba8f42f95"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Under the amended Corporations Act, 10% of any
profit made each year must be transferred to the legal reserve. The transfer
must be made until the legal reserve reaches 20% of the common stock.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The legal reserve can be used to increase the
common stock provided that the remaining reserve balance does not fall below
10% of the increased capital. While it does not exceed 20% of the common stock,
it can only be allocated to offset losses exclusively in the case that there
are not sufficient reserves available.</font></font><a name="XBRL_TS_688691d787184a5aba8f42f95_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_70535a852ed14a26a4a1de733"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;line-height:115%;">28.2&#160; Restricted reserves</font></b></font><a name="XBRL_TS_70535a852ed14a26a4a1de733_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="XBRL_TS_4d1676c5693f47a2979be545c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">As of December 31, 2018, 2017 and 2016, the
Bank&#8217;s restricted reserves are as follows:</font></font><a name="XBRL_TS_4d1676c5693f47a2979be545c_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_28_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Restricted Reserves (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Restricted reserve for retired capital</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">88</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">88</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">88</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td valign=bottom width=67% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Restricted reserve for Parent Company shares and loans for those shares</font></font></p>
  </td>
 <td nowrap width=11% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44</font></font></p>
  </td>
 <td nowrap width=11% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69</font></font></p>
  </td>
 <td nowrap width=11% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">111</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Restricted reserve for redenomination of capital in euros</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">133</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">159</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">201</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_a4aa79dbbf9c48fc8b3f141ec"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The restricted reserve for retired capital
resulted from the reduction of the nominal par value of the BBVA shares made in
April 2000.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The second heading corresponds to restricted
reserves related to the amount of shares issued by the Bank in its possession
at each date, as well as the amount of customer loans outstanding at those
dates that were granted for the purchase of, or are secured by, the Parent
Company shares.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Finally, pursuant to Law 46/1998 on the
Introduction of the Euro, a restricted reserve is recognized as a result of the
rounding effect of the redenomination of the Parent Company common stock in
euros.</font></font><a name="XBRL_TS_a4aa79dbbf9c48fc8b3f141ec_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_a62930c5337e4a5187cd2b74f"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-211</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_215"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-35.45pt;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;line-height:115%;">28.3&#160; Retained earnings, revaluation reserves and
other reserves by entity</font></b></font><a name="XBRL_TS_a62930c5337e4a5187cd2b74f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_51ae538c6a7e433fac2a1fd65"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown, by company or corporate group,
under the headings &#8220;Retained earnings, revaluation reserves and other reserves&#8221;
in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_51ae538c6a7e433fac2a1fd65_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_28_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Retained earnings, Revaluation reserves and Other reserves (Millions of
  euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Retained earnings and Revaluation reserves</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Holding Company </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,643</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,625</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,101</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Bancomer Group</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,014</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,442</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,108</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Seguros, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(127)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(215)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(62)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Corporacion General
  Financiera, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,084</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,202</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,187</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Banco Provincial
  Group</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(124)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(113)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(92)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Chile Group</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">552</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">951</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,264</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Paraguay</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">119</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">108</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Compa&#241;&#237;a de Cartera e
  Inversiones, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">108</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Anida Grupo
  Inmobiliario, S.L.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">363</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">515</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">528</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Suiza, S.A. </font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(53)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(57)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Continental
  Group</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">756</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">681</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">611</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Luxinvest, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(48)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Colombia Group</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">998</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">926</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">803</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Banco Franc&#233;s
  Group</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">103</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">999</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">827</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Banco Industrial De
  Bilbao, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Uno-E Bank, S.A</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Gran Jorge Juan, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(33)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(47)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(30)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Portugal Group</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(66)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(436)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(477)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Participaciones
  Arenal, S.L.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(183)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(180)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Propiedad S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(503)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(431)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Anida Operaciones Singulares,
  S.L.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,317)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4,881)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4,127)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Grupo BBVA USA
  Bancshares</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(586)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(794)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,053)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Garanti Turkiye Bankasi
  Group</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,415</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">751</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">127</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Unnim Real Estate</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(587)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(576)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(477)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Bilbao Vizcaya Holding, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">145</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">139</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Pecri Inversi&#243;n S.L.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(74)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(73)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(75)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(164)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">127</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=67% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,021</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,624</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,864</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other reserves or accumulated losses of investments in joint ventures
  and associates</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Metrovacesa, S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Metrovacesa Suelo,
  S.A.</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(61)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(53)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(52)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=67% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(59)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(35)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(59)</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,963</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,590</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,805</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_09433763c3304359a44be315c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">For the purpose of allocating the reserves and
accumulated losses to the consolidated entities and to the parent company, the
transfers of reserves arising from the dividends paid and transactions between
these entities are taken into account in the period in which they took place.</font></font><a name="XBRL_TS_09433763c3304359a44be315c_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-212</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_216"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_22a49ae87c084485a3941873a"></a><a name="_Toc106054"></a><a name="_Toc495478143"></a><a name="_Toc481589091"></a><a name="_Toc474142296"></a><a name="_Toc457490036"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">29.&#160;&#160; Treasury shares</font></b></font><a name="XBRL_TS_22a49ae87c084485a3941873a_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d5c737b4efb04b4da151c9e86"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the years ended December 31, 2018, 2017 and
2016 the Group entities performed the following transactions with shares issued
by the Bank:</font></font><a name="XBRL_TS_d5c737b4efb04b4da151c9e86_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_29_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Treasury Shares (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=37% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td colspan=2 width=20% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:35.1pt;">
  <td width=37% style="border:none;border-bottom:solid black 1.0pt;height:35.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:35.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  Shares</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:35.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:35.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  Shares</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:35.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:35.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  Shares</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:35.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=37% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at
  beginning</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13,339,582</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">96</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,230,787</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">48</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38,917,665</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">309</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td valign=bottom width=37% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;+ Purchases</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">279,903,844</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,683</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">238,065,297</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,674</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">379,850,939</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,004</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td valign=bottom width=37% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;- Sales and other
  changes</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(245,985,735)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,505)</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(231,956,502)</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,622)</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(411,537,817)</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,263)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td valign=bottom width=37% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;+/- Derivatives on
  BBVA shares</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td valign=bottom width=37% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;+/- Other changes</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=37% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Balance at the
  end</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47,257,691</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">296</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13,339,582</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">96</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,230,787</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">48</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=37% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=37% style="height:7.9pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Held by BBVA, S.A.</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,789,894</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=37% style="height:7.9pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Held by
  Corporaci&#243;n General Financiera, S.A.</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47,257,691</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">296</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13,339,582</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,440,893</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td width=37% style="height:7.9pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Held by other
  subsidiaries</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td valign=bottom width=37% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Average purchase price in Euros</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6.11</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7.03</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5.27</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:7.9pt;">
  <td valign=bottom width=37% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Average selling price in Euros</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6.25</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6.99</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5.50</font></font></p>
  </td>
 <td nowrap width=11% style="height:7.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.6pt;">
  <td valign=bottom width=37% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Net gain or losses on transactions</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(Shareholders' funds-Reserves)</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(24)</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(30)</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_926fafd14aff42b9958e6549e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The percentages of treasury shares held by the
Group in the years ended December 31, 2018, 2017 and 2016 are as follows:</font></font><a name="XBRL_TS_926fafd14aff42b9958e6549e_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_29_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=10 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Treasury Stock</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=16% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=30% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td colspan=3 width=27% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td colspan=3 width=27% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Min</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Max</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Closing</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Min</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Max</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Closing</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Min</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Max</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Closing</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=16% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">% treasury stock</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.200%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.850%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.709%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.004%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.278%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.200%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.081%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.756%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.110%</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_3508ae77b5614a50b204e27b6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The number of BBVA shares accepted by the Group
in pledge of loans as of December 31, 2018, 2017 and 2016 is as follows:</font></font><a name="XBRL_TS_3508ae77b5614a50b204e27b6_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_29_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Shares of BBVA Accepted in Pledge</font></font></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=67% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Number of shares in pledge</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61,632,832</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">64,633,003</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90,731,198</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Nominal value</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.49</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.49</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.49</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">% of share capital</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.92%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.97%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.38%</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_c4891ef424904efe8bb7664e7"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The number of BBVA shares owned by third
parties but under management of a company within the Group as of December 31,
2018, 2017 and 2016 is as follows:</font></font><a name="XBRL_TS_c4891ef424904efe8bb7664e7_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_29_004_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Shares of BBVA Owned by Third Parties but Managed by the Group</font></font></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=67% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Number of shares owned by third parties</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,306,229</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,597,310</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">85,766,602</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Nominal value</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.49</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.49</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.49</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">% of share capital</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.38%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.52%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.31%</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-213</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_217"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc376949988"></a><a name="_Toc347755866"></a><a name="_Toc347755867"></a><a name="_Toc331260329"></a><a name="_Toc299032888"></a><a name="_Toc299031549"></a><a name="_Toc299029467"></a><a name="_Toc298431731"></a><a name="XBRL_TS_1baa39db8277447cb22863d82"></a><a name="_Toc106055"></a><a name="_Toc495478144"></a><a name="_Toc481589092"></a><a name="_Toc474142297"></a><a name="_Toc457490037"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">30.&#160;&#160; Accumulated other comprehensive income</font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;"> (loss)</font></b></font><a name="XBRL_TS_1baa39db8277447cb22863d82_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d78b32c23bf343528edefe40c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_d78b32c23bf343528edefe40c_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_30_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Accumulated other comprehensive income (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017(*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016(*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Items that will not be reclassified to profit or loss</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,284)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,183)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,095)</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=56% style="border:none;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Actuarial gains or losses on defined benefit pension plans</font></font></p>
  </td>
 <td width=11% style="border:none;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,245)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,183)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,095)</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=56% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Non-current assets and disposal groups classified as held for sale</font></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=56% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&#160;Share of other recognized income and expense of investments in
  subsidiaries, joint ventures and associates</font></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=56% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of equity instruments measured at fair value through
  other comprehensive income</font></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13.4</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(155)</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=56% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Hedge ineffectiveness of fair value hedges for equity instruments
  measured at fair value through other comprehensive income</font></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.9pt;">
  <td width=56% style="height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of equity instruments measured at fair value through
  other comprehensive income (hedged item)</font></font></p>
  </td>
 <td width=11% style="height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.9pt;">
  <td width=56% style="height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of equity instruments measured at fair value through
  other comprehensive income (hedging instrument)</font></font></p>
  </td>
 <td width=11% style="height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of financial liabilities at fair value through
  profit or loss attributable to changes in their credit risk </font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">116</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Items that may be reclassified to profit or loss</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,932)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,755)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,527)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=56% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Hedge of net investments in foreign operations (effective portion)</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(218)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(118)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=56% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Foreign currency
  translation </font></font></p>
  </td>
 <td width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(6,643)</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7,297)</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3,349)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=56% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Hedging derivatives. Cash flow hedges (effective portion)</font></font></p>
  </td>
 <td width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(34)</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=56% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets available for sale</font></font></p>
  </td>
 <td width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13.4</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,641</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">947</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=56% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Fair value changes of debt instruments measured at fair value through
  other comprehensive income</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13.4</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">943</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#BFBFBF;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=56% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Hedging instruments (non-designated items)</font></font></p>
  </td>
 <td width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=56% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Non-current assets and disposal groups classified as held for sale</font></font></p>
  </td>
 <td width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(26)</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:16.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Share of other recognized income and expense of investments in
  subsidiaries, joint ventures and associates</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(40)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(31)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(7,215)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(6,939)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3,622)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:6.0pt;margin-left:21.3pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_FS_11d369b00aec45aebe701f079"></a><a name="XBRL_TS_fa290c2e6ea2473db56c9f7ce"></a><a name="XBRL_TS_fe36ef87faaa435b83046b3a0"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:8.0pt;">(*)&#160; See Note 1.3.</font></font><a name="XBRL_FS_11d369b00aec45aebe701f079_bclEnd"></a><a name="XBRL_TS_fa290c2e6ea2473db56c9f7ce_bclEnd"></a><a name="XBRL_TS_fe36ef87faaa435b83046b3a0_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_487aaf5963cd46e39849cd9b7"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balances recognized under
these headings are presented net of tax.</font></font><a name="XBRL_TS_487aaf5963cd46e39849cd9b7_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-214</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_218"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_982f0a6fc5f74d59a0207a8ba"></a><a name="_Toc106056"></a><a name="_Toc495478145"></a><a name="_Toc481589093"></a><a name="_Toc474142298"></a><a name="_Toc457490038"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">31.&#160;&#160; Minority interest</font></b></font><a name="XBRL_TS_982f0a6fc5f74d59a0207a8ba_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_981deccfd306453f8d495181f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown by groups of consolidated
entities of the balance under the heading &#8220;Minority interests (non-controlling
interest)&#8221; of total equity in the accompanying consolidated balance sheets is
as follows:</font></font><a name="XBRL_TS_981deccfd306453f8d495181f_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_31_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-Controlling Interests (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=63% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Colombia Group </font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">65</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Chile Group (*)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">399</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">377</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Banco
  Continental Group</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,167</font></font></p>
  </td>
 <td nowrap width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,059</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,059</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Banco Provincial
  Group </font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 <td nowrap width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">97</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Banco Franc&#233;s
  Group</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">352</font></font></p>
  </td>
 <td nowrap width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">420</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">243</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Garanti Group</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,058</font></font></p>
  </td>
 <td nowrap width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,903</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,157</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other entities</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">64</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=63% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,764</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,979</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,064</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_FS_10e3f7af964c443ab88df58a0"></a><a name="XBRL_TS_92734e007cba41fc8617c939b"></a><a name="XBRL_TS_63b8d8b94fea428a9428a558f"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:8.0pt;">(*) &#160;See Note 3.</font></font><a name="XBRL_FS_10e3f7af964c443ab88df58a0_bclEnd"></a><a name="XBRL_TS_63b8d8b94fea428a9428a558f_bclEnd"></a><a name="XBRL_TS_92734e007cba41fc8617c939b_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_6fa6da83073743ac8aeec2bea"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These amounts are broken down by groups of
consolidated entities under the heading &#8220;Attributable to minority interests
(non-controlling interest)&#8221; in the accompanying consolidated income statements:</font></font><a name="XBRL_TS_6fa6da83073743ac8aeec2bea_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_31_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Profit attributable to Non-Controlling Interests (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:30.75pt;">
  <td width=63% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Colombia Group </font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Chile Group (*)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Banco
  Continental Group</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">227</font></font></p>
  </td>
 <td nowrap width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">208</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">193</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Banco Provincial
  Group </font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">BBVA Banco Franc&#233;s
  Group</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 <td nowrap width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">93</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Garanti Group</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">585</font></font></p>
  </td>
 <td nowrap width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">883</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">917</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=63% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other entities</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=63% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">827</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,244</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,218</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_FS_43439a4fc3f24663908ffa0f2"></a><a name="XBRL_TS_90fa136418c848dca1c672705"></a><a name="XBRL_TS_f9b9d10310244e85a4e1eb7e4"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:8.0pt;">(*) &#160;See Note 3.</font></font><a name="XBRL_FS_43439a4fc3f24663908ffa0f2_bclEnd"></a><a name="XBRL_TS_90fa136418c848dca1c672705_bclEnd"></a><a name="XBRL_TS_f9b9d10310244e85a4e1eb7e4_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_0eb67b9cd558430bb0a0c0443"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Dividends distributed to non-controlling
interest of the Group during the year 2018 are: Garanti Group &#8364;</font></font><a name="XBRL_CS_3ffc5c67b7404ed69e322a8aa"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">233</font></font><a name="XBRL_CS_3ffc5c67b7404ed69e322a8aa_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> million, BBVA Banco
Continental Group &#8364;<a name="XBRL_CS_fa51dbeb214e4070a85ea8840"></a>108<a name="XBRL_CS_fa51dbeb214e4070a85ea8840_bclEnd"></a> million, BBVA Chile Group
&#8364;<a name="XBRL_CS_9586453271644aa080fcf0f9d"></a>14<a name="XBRL_CS_9586453271644aa080fcf0f9d_bclEnd"></a> million, BBVA Banco
Franc&#233;s Group &#8364;<a name="XBRL_CS_d912337c83fe414489f2a9ddb"></a>13<a name="XBRL_CS_d912337c83fe414489f2a9ddb_bclEnd"></a> million and other Spanish
entities accounted for &#8364;<a name="XBRL_CS_926be18cf69645f79fe47ee6f"></a>10<a name="XBRL_CS_926be18cf69645f79fe47ee6f_bclEnd"></a> million.</font></font><a name="XBRL_TS_0eb67b9cd558430bb0a0c0443_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-215</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_219"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_2c1e6a67feb34688a1ff9d5dc"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">32. </font></b></font><a name="_Toc106057"></a><a name="_Toc505355965"></a><a name="_Toc495478146"></a><a name="_Toc481589094"></a><a name="_Toc474142299"></a><a name="_Toc457490039"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">&#160;&#160;Capital base and capital
management</font></b></font><a name="XBRL_TS_2c1e6a67feb34688a1ff9d5dc_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_6cbbc7bbf7404e2cb8fe57fe4"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;line-height:115%;">32.1&#160; Capital base</font></b></font><a name="XBRL_TS_6cbbc7bbf7404e2cb8fe57fe4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_fbbc607c33fd4064bde9b7c03"></a><a name="XBRL_CS_7faf0e4c8d5548ecb1179d001"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016, equity
is calculated in accordance to the applicable regulation of each period on
minimum capital base requirements for Spanish credit institutions &#8211;both as
individual entities and as consolidated group&#8211; and how to calculate them, as
well as the various internal capital adequacy assessment processes they should
have in place and the information they should disclose to the market.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The minimum capital base requirements
established by the current regulation are calculated according to the Group&#8217;s
exposure to credit and dilution risk, counterparty and liquidity risk relating
to the trading portfolio, exchange-rate risk and operational risk. In addition,
the Group must fulfill the risk concentration limits established in said
regulation and the internal corporate governance obligations.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">At the date of preparation of these
consolidated financial statements, BBVA has not received an official
communication of the ECB about the results of the </font><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">SREP </font></i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">process which had
been carried out during the financial year 2018 and which will include
requirements regarding the capital ratio (both at individual and consolidated
level) applicable to BBVA and its Group as from the date indicated in that
communication. As soon as this communication will be available, BBVA will
disclose it to the markets by means of public relevant events.</font></font><a name="XBRL_CS_7faf0e4c8d5548ecb1179d001_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_e6b1229497354c7b9b11803a0"></a><a name="XBRL_CS_05b9b209b5324325957c7e029"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Taking into account fully application of
capital buffers since January 1, 2019 and considering last capital requirement
communicated from ECB, BBVA has to maintain since January 1, 2019&#160; i) a CET1
ratio of </font></font><a name="XBRL_CS_a55eb8e838094125aea354405"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">9.26%</font></font><a name="XBRL_CS_a55eb8e838094125aea354405_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> at consolidated level and
ii) a total capital ratio of <a name="XBRL_CS_ff55e7d72769413d9844f47b1"></a>12.76%<a name="XBRL_CS_ff55e7d72769413d9844f47b1_bclEnd"></a> at consolidated level</font></font><a name="XBRL_CS_05b9b209b5324325957c7e029_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. This total consolidated
capital ratio includes <a name="XBRL_CS_0f86abb3811b4fcd9349b8f4e"></a>i) the
minimum common equity tier 1 capital (CET1) requirement under Pillar 1 (4.5%);
ii) the additional tier 1 capital (AT1) requirement under Pillar 1 (1.5%)<a name="XBRL_CS_0f86abb3811b4fcd9349b8f4e_bclEnd"></a>; <a name="XBRL_CS_609b497e7c2f4b82a6b00bbbe"></a>iii) the tier 2 capital requirement
under Pillar 1 (2%)<a name="XBRL_CS_609b497e7c2f4b82a6b00bbbe_bclEnd"></a>;
<a name="XBRL_CS_c6557e35519644a7bc9308adc"></a>iv) the CET1 capital requirement
under Pillar 2 (1.5%)<a name="XBRL_CS_c6557e35519644a7bc9308adc_bclEnd"></a>;
<a name="XBRL_CS_9e7b341da89f4c499d4c367f6"></a>v) the capital conservation buffer
(2.5% of CET1)<a name="XBRL_CS_9e7b341da89f4c499d4c367f6_bclEnd"></a>; <a name="XBRL_CS_5b5f6e3eb5ec4952b9761bc6a"></a>vi) the Other Systemic Important
Institution buffer (OSII) (0.75% of CET1); and vii) the countercyclical capital
buffer (0.01% of CET1)<a name="XBRL_CS_5b5f6e3eb5ec4952b9761bc6a_bclEnd"></a>.</font></font><a name="XBRL_CS_e6b1229497354c7b9b11803a0_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Group&#8217;s bank capital in accordance with the aforementioned applicable
regulation, considering entities scope required by the above regulation, as of
December 31, 2018, 2017 and 2016 is shown below:</font></font><a name="XBRL_TS_fbbc607c33fd4064bde9b7c03_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_32_006_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.45pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Eligible capital resources (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:16.9pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2018
  (*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;December
  2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Capital</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,267</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,267</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,218</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Share premium</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,992</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Retained earnings, revaluation reserves and other reserves</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22,963</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23,590</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21,805</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other equity
  instruments, net</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Treasury shares</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(296)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(96)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(48)</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Attributable to the parent company</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,324</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,519</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,475</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Attributable dividend</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(975)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,043)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,510)</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total equity</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54,325</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53,283</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50,985</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Accumulated other comprehensive
  income</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7,215)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6,939)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,622)</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Non-controlling
  interest</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,764</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,979</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,064</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Shareholders'
  equity</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52,874</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53,323</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55,428</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Intangible assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8,199)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6,627)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,675)</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Fin. treasury shares</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(48)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(82)</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Indirect treasury
  shares</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(108)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(134)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(51)</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Deductions</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8,334)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6,809)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,808)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Temporary CET 1
  adjustments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(273)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(129)</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Capital gains from the Available-for-sale debt instruments portfolio</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(256)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(402)</font></i></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Capital gains from the Available-for-sale equity portfolio</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">273</font></i></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Differences from solvency and accounting level</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(176)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(189)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(120)</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Equity not eligible at solvency level</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(176)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(462)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(249)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other
  adjustments and deductions</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4,053)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,711</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,001)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Common Equity
  Tier 1 (CET 1)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40,311</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42,341</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47,370</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Additional Tier 1 before Regulatory Adjustments</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,634</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,296</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,114</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total Regulatory Adjustments of Additional Tier 1</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,657)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3,401)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Tier 1</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45,945</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46,980</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50,083</font></b></font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Tier 2</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,754</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,798</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,810</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total Minimum
  equity required</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41,607</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40,370</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37,923</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:21.25pt;margin-right:33.75pt;margin-top:0cm;text-align:justify;text-indent:-21.25pt;"><a name="XBRL_FS_c25f9e69f68949e68def1bf44"></a><a name="XBRL_TS_42db5c8ff3a640c3ae7eb25ba"></a><a name="XBRL_TS_81245120bd1a460eb3cc391b6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160; Provisional data.</font></font><a name="XBRL_FS_c25f9e69f68949e68def1bf44_bclEnd"></a><a name="XBRL_TS_42db5c8ff3a640c3ae7eb25ba_bclEnd"></a><a name="XBRL_TS_81245120bd1a460eb3cc391b6_bclEnd"></a></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-216</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_220"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:.0001pt;margin-left:21.25pt;margin-right:33.75pt;margin-top:0cm;text-align:justify;text-indent:-21.25pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_32_007_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Capital Base </font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018 (*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Tier 1 (millions of euros) (a)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45,945</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46,980</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50,083</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Exposure (millions of euros) (b)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">705,406</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">700,443</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">747,216</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Leverage ratio (a)/(b) (percentage)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.51%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.71%</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.70%</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;text-indent:0cm;"><a name="XBRL_FS_fbc66557be3e4137ac068d1e4"></a><a name="XBRL_TS_bb388f83b1b4450fb84edfa5b"></a><a name="XBRL_TS_61c0f6bb88c6484c917fc5a88"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160; Provisional data</font></font><a name="XBRL_TS_61c0f6bb88c6484c917fc5a88_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">.</font></font><a name="XBRL_FS_fbc66557be3e4137ac068d1e4_bclEnd"></a><a name="XBRL_TS_bb388f83b1b4450fb84edfa5b_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:0cm;text-align:justify;text-indent:-21.3pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f3daa3ffd120495092d4f3cd0"></a><a name="XBRL_CS_19aa8017540e434da10bfc6a3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018 Common Equity Tier 1
(CET1) phased-in ratio stood at </font></font><a name="XBRL_CS_87013da34ec64baeb4dc2a051"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">11.6%</font></font><a name="XBRL_CS_87013da34ec64baeb4dc2a051_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> (in terms of fully loaded,
CET1 stood at 11.3%)</font></font><a name="XBRL_CS_19aa8017540e434da10bfc6a3_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">. Excluding the
effect of the phased-in calendar in minority interest and deductions that goes
from 80% in 2017 to 100% in 2018, and including the positive impact of the sale
of the stake in BBVA Chile (+50 bps), the CETI phased-in ratio has increased by
+48 bps. This increase is mainly explained by the generation of profit, net of
dividend payments and remunerations of AT1 instruments and dividends received
by the Bank, and the stability in the level of risk weighted assets (RWA).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This CET1 phased-in ratio includes the impact
of the initial implementation of IFRS9. In this context, the European
Commission and Parliament have established temporary arrangements that are
voluntary for the institutions, adapting the impact of IFRS9 on capital ratios.
BBVA has informed the supervisory board its adherence to these arrangements.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, transfer of the real estate
business of BBVA in Spain to Cerberus has no material impact on the ratios (see
Note 3).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_02b496f88955465899cd0c0dc"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">TIER1 phased-in ratio stood at </font></font><a name="XBRL_CS_883a9ab8dcd74df8abb800832"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">13.2%</font></font><a name="XBRL_CS_883a9ab8dcd74df8abb800832_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> as of December 31, 2018.
During the year the Group has computed two new issuances of contingent
convertible bonds (CoCos) as TIER1 instruments for US$1,000 million and &#8364;1,000
million, respectively. In addition, the Group has no longer includes a US$1,500
million issuance which was early redeemed in May 2018 and announced in January
2019 its intention to exercise the early redemption of an issuance of &#8364;1,500
million. <a name="XBRL_CS_22184c04e6f8494a9ab1ee544"></a>The net effect on TIER1
phased-in ratio was -15 bps<a name="XBRL_CS_22184c04e6f8494a9ab1ee544_bclEnd"></a>.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Regarding TIER2 ratio, in the third quarter the
Group has received authorization from the supervisor to include a subordinated
issuance of US$300 million and no longer includes BBVA Chile subordinated
instruments. As result of the above mentioned effects, the total capital
phased-in ratio stood at 15.7%.</font></font><a name="XBRL_CS_02b496f88955465899cd0c0dc_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, the Group has continued its
program to meet the MREL requirements by carrying two public senior non-preferred
instruments by a total amount of &#8364;2.5 billion. In terms of MREL (which stands
for Minimum Requirement for own funds and Eligible Liabilities), BBVA has to
reach, by January 1, 2020, an amount of own funds and eligible liabilities
equal to 15.08% of the total liabilities and own funds of its resolution group
(BBVA, S.A. and its subsidiaries from the same European resolution group) as of
December 31, 2016. This MREL requirement would be equal to 28.04% in terms of
risk-weighted assets of the resolution group as of December 31, 2016. The Group
believes that it is currently in line with this requirement.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk-weighted assets (RWA) have decreased
during the year, largely due to the sale of BBVA Chile and the depreciation of
currencies against euro. The Group has performed three securitizations during
the year: a traditional one in June of an automobile loan portfolio of consumer
finance amounting to &#8364;800 million, and two synthetic ones in March and
December, on which the European Investment Fund (EIF, a subsidiary of the
European Investment Bank) provided a financial guarantee. These three
securitizations have produced a positive impact on capital of &#8364;971 million via
RWA release. Additionally, during the first half of the year, BBVA has received
an authorization from the ECB to update the calculation of RWA on structural FX
risk under the standard model.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-217</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_221"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A reconciliation
of the consolidated accounting and regulatory perimeters as of December 31st
2018 is presented below (provisional data):</font></font><a name="XBRL_TS_f3daa3ffd120495092d4f3cd0_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_32_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Public balance sheet headings (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:42.75pt;">
  <td width=55% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Public
  balance sheet</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Insurance companies and real estate companies (1)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Jointly-controlled entities and other adjustments (2)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Regulatory
  balance sheet</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td valign=bottom width=55% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits</font></font></p>
  </td>
 <td width=12% style="border:none;height:22.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,196</font></font></p>
  </td>
 <td width=11% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td width=11% style="border:none;height:22.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">103</font></font></p>
  </td>
 <td width=11% style="border:none;height:22.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,296</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=55% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td width=12% style="height:13.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90,117</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,277</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91,394</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td valign=bottom width=55% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non- trading financial assets mandatorily at fair value through profit
  or loss</font></font></p>
  </td>
 <td width=12% style="height:27.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,135</font></font></p>
  </td>
 <td width=11% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,768)</font></font></p>
  </td>
 <td width=11% style="height:27.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:27.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,367</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td valign=bottom width=55% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets designated at fair value through profit or loss</font></font></p>
  </td>
 <td width=12% style="height:22.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,313</font></font></p>
  </td>
 <td width=11% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,313)</font></font></p>
  </td>
 <td width=11% style="height:22.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:22.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td valign=bottom width=55% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets designated at fair value through other comprehensive
  income</font></font></p>
  </td>
 <td width=12% style="height:23.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56,337</font></font></p>
  </td>
 <td width=11% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(14,318)</font></font></p>
  </td>
 <td width=11% style="height:23.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:23.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,019</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=55% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at amortized cost</font></font></p>
  </td>
 <td width=12% style="height:13.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">419,660</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(6,279)</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">593</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">413,974</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=55% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Hedging derivatives</font></font></p>
  </td>
 <td width=12% style="height:11.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,892</font></font></p>
  </td>
 <td width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(87)</font></font></p>
  </td>
 <td width=11% style="height:11.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:11.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,805</font></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td valign=bottom width=55% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fair value changes of the hedged items in portfolio hedges of interest
  rate risk</font></font></p>
  </td>
 <td width=12% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td width=11% style="height:23.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:23.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=55% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Investments in entities accounted for using the equity method </font></font></p>
  </td>
 <td width=12% style="height:19.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,578</font></font></p>
  </td>
 <td width=11% style="height:19.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,587</font></font></p>
  </td>
 <td width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(80)</font></font></p>
  </td>
 <td width=11% style="height:19.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,085</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td valign=bottom width=55% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non- current assets and disposal groups held for sale</font></font></p>
  </td>
 <td width=12% style="height:16.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,001</font></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,001</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=55% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39,481</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">715</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,199</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=55% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total assets</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">676,689</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(20,191)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">621</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">657,119</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_TS_f93fd2e92ef645e9bacf250b7"></a><a name="XBRL_FS_03a24f06ff8746a6b21d1f260"></a><a name="XBRL_TS_bb907a30da7644f1a8a9d720f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(1)&#160; Correspond to balances of entities fully
consolidated in the public balance sheet but consolidated by the equity method
in the regulatory balance sheet.</font></font><a name="XBRL_FS_03a24f06ff8746a6b21d1f260_bclEnd"></a><a name="XBRL_TS_bb907a30da7644f1a8a9d720f_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_7014fc6f6b5d4b90a45237793"></a><a name="XBRL_TS_3c0c7f539aa644b3b58800dc4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(2)&#160; Correspond to intragroup adjustments and
other consolidation adjustments.</font></font><a name="XBRL_FS_7014fc6f6b5d4b90a45237793_bclEnd"></a><a name="XBRL_TS_3c0c7f539aa644b3b58800dc4_bclEnd"></a><a name="XBRL_TS_f93fd2e92ef645e9bacf250b7_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_94d3f076518e4367904af3eed"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;line-height:115%;">32.2&#160; Capital management</font></b></font><a name="XBRL_TS_94d3f076518e4367904af3eed_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_1a08bbb344984c29ab50bd347"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Capital management in the BBVA Group has a
twofold aim: </font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:4.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Maintain a level of capitalization according to the business
objectives in all countries in which it operates and, simultaneously,</font></font></p>

<p style="border:none;margin-bottom:4.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:4.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Maximize the return on shareholders&#8217; funds through the efficient
allocation of capital to the different units, a good management of the balance
sheet and appropriate use of the various instruments forming the basis of the
Group&#8217;s equity: shares, preferred securities and subordinate debt.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This capital management is carried out
determining the capital base and the solvency ratios established by the prudential
and minimum capital requirements also have to be met for the entities subject
to prudential supervision in each country.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The current regulation allows each entity to
apply its own internal ratings-based (IRB) approach to risk assessment and
capital management, subject to Bank of Spain approval. The BBVA Group carries
out an integrated management of these risks in accordance with its internal
policies and its internal capital estimation model has received the Bank of
Spain&#8217;s approval for certain portfolios (see Note 7).</font></font><a name="XBRL_TS_1a08bbb344984c29ab50bd347_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-218</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_222"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc376949991"></a><a name="_Toc347755870"></a><a name="_Toc331260332"></a><a name="_Toc299032891"></a><a name="_Toc299031552"></a><a name="_Toc299029470"></a><a name="_Toc298431734"></a><a name="XBRL_TS_6ff76cfbb54046bd8e19d455a"></a><a name="_Toc106058"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">33.&#160;&#160; Commitments
and guarantees given</font></b></font><a name="XBRL_TS_6ff76cfbb54046bd8e19d455a_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c1889d28d5514e3288bed7b27"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance
under these headings in the accompanying consolidated balance sheets is as
follows:</font></font><a name="XBRL_TS_c1889d28d5514e3288bed7b27_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_33_FINREP9_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loan commitments, financial guarantees and other commitments (Millions
  of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loan
  commitments given</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">118,959</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">94,268</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">107,254</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">of which:
  defaulted</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">247</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">537</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">411</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central banks</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General
  governments</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,318</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,198</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,354</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit
  institutions</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,635</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">946</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,209</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other
  financial corporations</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,664</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,795</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,155</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,405</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,133</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71,710</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Households</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,936</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,195</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,824</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financial guarantees
  given (*)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,454</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,545</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,267</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">of which:
  defaulted</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">332</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">278</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">278</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central banks</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General
  governments</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">159</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">248</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">103</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit
  institutions</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,274</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,158</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,553</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other
  financial corporations</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">730</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,105</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">722</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,970</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,518</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,354</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Households</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">319</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">516</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">534</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other commitments and guarantees given </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.2</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,098</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45,738</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,592</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">of which: defaulted</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">408</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">461</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">402</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central banks</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General
  governments</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">248</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">227</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">372</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit
  institutions</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,875</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,330</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,880</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other
  financial corporations</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,990</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,820</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,892</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,723</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,992</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,297</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Households</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">261</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">362</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">138</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total Loan commitments and financial guarantees</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">170,511</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">156,551</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">168,113</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_3c424082b0634ff0a157fb214"></a><a name="XBRL_TS_a799821517a5445a8d67e541c"></a><a name="XBRL_TS_a48594c58042448387c68b155"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160; Non performing financial guarantees given
amounted to &#8364;</font></font><a name="XBRL_CS_aec9913b630648479189bb883"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">740</font></font><a name="XBRL_CS_aec9913b630648479189bb883_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">, &#8364;<a name="XBRL_CS_767a84caea774b1ca17b59b6c"></a>739<a name="XBRL_CS_767a84caea774b1ca17b59b6c_bclEnd"></a> and &#8364;<a name="XBRL_CS_6f69f8a0de494687a8bbc9897"></a>680<a name="XBRL_CS_6f69f8a0de494687a8bbc9897_bclEnd"></a> million, respectively, as
of December 31, 2018, December 31, 2017, and December 31, 2016, respectively.</font></font><a name="XBRL_FS_3c424082b0634ff0a157fb214_bclEnd"></a><a name="XBRL_TS_a48594c58042448387c68b155_bclEnd"></a><a name="XBRL_TS_a799821517a5445a8d67e541c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_10757580a5b4403db5b842982"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, the provisions for
loan commitments given, financial guarantees given and other commitments and
guarantees given, recorded in the consolidated balance sheet amounted &#8364;</font></font><a name="XBRL_CS_e75cacdac5e64d03ad624c4d7"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">338</font></font><a name="XBRL_CS_e75cacdac5e64d03ad624c4d7_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> million, &#8364;<a name="XBRL_CS_531070d0b83944f9bcfdd528f"></a>252<a name="XBRL_CS_531070d0b83944f9bcfdd528f_bclEnd"></a> million and &#8364;<a name="XBRL_CS_0e07011088dc4caea32fd248e"></a>45<a name="XBRL_CS_0e07011088dc4caea32fd248e_bclEnd"></a> million, respectively.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Since a significant portion of the amounts
above will expire without any payment being made by the consolidated entities,
the aggregate balance of these commitments cannot be considered the actual
future requirement for financing or liquidity to be provided by the BBVA Group
to third parties.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="Nota_35"></a><a name="Nota_35_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the years 2018, 2017 and 2016, no issuance of debt securities
carried out by associates of the BBVA Group, joint venture entities or
non-Group entities have been guaranteed.</font></font><a name="XBRL_TS_10757580a5b4403db5b842982_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc376949993"></a><a name="_Toc347755872"></a><a name="_Toc331260334"></a><a name="_Toc299032893"></a><a name="_Toc299031554"></a><a name="_Toc299029472"></a><a name="_Toc298431736"></a><a name="XBRL_TS_36cc2d91c8ef48cc842b71d7e"></a><a name="_Toc106059"></a><a name="_Toc495478148"></a><a name="_Toc481589096"></a><a name="_Toc474142303"></a><a name="_Toc457490041"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">34.&#160;&#160; Other contingent assets and liabilities</font></b></font><a name="XBRL_TS_36cc2d91c8ef48cc842b71d7e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_26ae96e8f57e44c3886e656cb"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016 there
were no material contingent assets or liabilities other than those disclosed in
the accompanying notes to the consolidated financial statements.</font></font><a name="XBRL_TS_26ae96e8f57e44c3886e656cb_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-219</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_223"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_01913a5bc4384db3a59d2a0d7"></a><a name="_Toc106060"></a><a name="_Toc505355968"></a><a name="_Toc495478149"></a><a name="_Toc481589097"></a><a name="_Toc474142304"></a><a name="_Toc457490042"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">35. Purchase and
sale commitments and future payment obligations</font></b></font><a name="XBRL_TS_01913a5bc4384db3a59d2a0d7_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_5a2b5839dc29478780e449407"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of purchase and sale commitments
of the BBVA Group as of December 31, 2018, 2017 and 2016 is as follows:</font></font><a name="XBRL_TS_5a2b5839dc29478780e449407_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_35_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Purchase and Sale Commitments (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial instruments sold with repurchase commitments</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,993</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,077</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46,562</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial liabilities held for trading</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,815</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,511</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit Institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,839</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,466</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial liabilities at amortized cost</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,178</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,077</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46,562</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">375</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,155</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,649</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit Institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,593</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,843</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,421</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Customer deposits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,209</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,079</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,491</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial instruments purchased with resale commitments</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,034</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,368</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,921</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,262</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,163</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit Institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,305</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,794</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at amortized cost </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">772</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,368</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,921</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">305</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">81</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit Institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">478</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,861</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,561</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=56% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">294</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,202</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,279</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_ffe8799f0c6d4475859f3f75a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A breakdown of the maturity of
other payment obligations, not included in previous notes, due after December
31, 2018 is provided below:</font></font><a name="XBRL_TS_ffe8799f0c6d4475859f3f75a_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_35_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Maturity of Future Payment Obligations (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=45% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Up to 1 Year</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 to 3 Years</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 to 5 Years</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 5 Years</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=45% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Finance leases</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=45% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Operating leases</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">251</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">253</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">554</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,879</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,937</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=45% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Purchase commitments</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=45% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Technology and
  systems projects</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other projects</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=45% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">279</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">253</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">554</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,879</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,965</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-220</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_224"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_2e54f96c5ecd4181ad6f6b133"></a><a name="_Toc106061"></a><a name="_Toc505355969"></a><a name="_Toc495478150"></a><a name="_Toc481589098"></a><a name="_Toc474142305"></a><a name="_Toc457490043"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">36.&#160;&#160; Transactions
on behalf of third parties</font></b></font><a name="XBRL_TS_2e54f96c5ecd4181ad6f6b133_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_745c356b04c74c459e49b6121"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017
and 2016 the details of the most transactions on behalf of third parties are as
follows:</font></font><a name="XBRL_TS_745c356b04c74c459e49b6121_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_36_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:10.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Transactions on Behalf of Third Parties (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial instruments entrusted to BBVA by third parties</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">628,417</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">624,822</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">637,761</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=67% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Conditional bills and other securities received for collection</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,484</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,775</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,054</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Securities lending</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,866</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,485</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,968</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">646,768</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">645,081</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">657,783</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_24436a8561b24c6393e7aa811"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017
and 2016 the customer funds managed by the BBVA Group are as follows:</font></font><a name="XBRL_TS_24436a8561b24c6393e7aa811_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_36_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:10.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Customer Funds by Type (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Asset management by type of customer (*):</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Collective investment</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61,393</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">60,939</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55,037</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom width=67% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Pension funds</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33,807</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33,985</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33,418</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom width=67% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Customer portfolios
  managed </font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,953</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,901</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,805</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=67% style="height:10.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=67% style="height:10.5pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Portfolios managed on a discretionary basis</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,657</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,628</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,165</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other resources</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,949</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,081</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,831</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Customer resources distributed but not managed by type of product:</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Collective investment</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,468</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,407</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,695</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom width=67% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Insurance products</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">131,603</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">138,347</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">135,824</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_FS_47a02fc603024977921c5a277"></a><a name="XBRL_TS_155e9f696c42490d82758a906"></a><a name="XBRL_TS_182c8764ec864d8aa2813fc87"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160; Excludes balances from securitization
funds.</font></font><a name="XBRL_FS_47a02fc603024977921c5a277_bclEnd"></a><a name="XBRL_TS_155e9f696c42490d82758a906_bclEnd"></a><a name="XBRL_TS_182c8764ec864d8aa2813fc87_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc376949999"></a><a name="_Toc347755875"></a><a name="_Toc331260337"></a><a name="_Toc299032896"></a><a name="_Toc299031557"></a><a name="_Toc299029476"></a><a name="_Toc298431739"></a><a name="XBRL_TS_9199d43a62b9444d8c4ac087e"></a></p>
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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">37. <a name="_Toc106062"></a>&#160;&#160;Net interest income</font></b></font><a name="XBRL_TS_9199d43a62b9444d8c4ac087e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_4724647257d54314a31256c4e"></a><a name="_Toc106063"></a><a name="_Toc474142307"></a><a name="_Toc376972403"></a><a name="_Toc376949995"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">37.1&#160; Interest income</font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;"> and other income</font></b></font><a name="XBRL_TS_4724647257d54314a31256c4e_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_62f7199f76334feba973cf83b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the interest income and other
income recognized in the accompanying consolidated income</font><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> </font><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">statement is as follows:</font></font><a name="XBRL_TS_62f7199f76334feba973cf83b_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.45pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Interest income and other income. Breakdown by Origin (Millions of
  euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=57% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central Banks</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">482</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">406</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">229</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">458</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">410</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">217</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=57% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,831</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,699</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,608</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=57% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,395</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,809</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,128</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=57% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Held for trading</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,552</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,263</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,014</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=57% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other portfolios</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,843</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,546</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,114</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=57% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Adjustments of income as a result of hedging transactions </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(201)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">427</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(385)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=57% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash flow hedges (effective portion)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=57% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair value hedges</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(198)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">412</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(397)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=57% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Insurance activity</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,142</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,058</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,219</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=57% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other income</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">722</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">487</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">692</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55.2</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,831</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,296</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,708</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td width=57% style="border:none;height:20.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=57% style="height:21.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at fair value through other comprehensive
  income </font></i></font></p>
  </td>
 <td nowrap width=10% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,306</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,962</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td width=57% style="height:20.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at amortized cost</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,668</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,803</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,578</font></i></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td width=57% style="height:17.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></i></font></p>
  </td>
 <td nowrap width=10% style="height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,856</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,531</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,130</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_e8de937fe2d74bf7a0c4620dd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amounts recognized in consolidated equity
in connection with hedging derivatives and the amounts derecognized from
consolidated equity and taken to the consolidated income statement during the
years are given in the accompanying &#8220;Consolidated statements of recognized
income and expenses&#8221;.</font></font><a name="XBRL_TS_e8de937fe2d74bf7a0c4620dd_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_b78c5fb062ec4ef9b3b823ac8"></a><a name="_Toc106064"></a><a name="_Toc474142308"></a><a name="_Toc376972404"></a><a name="_Toc376949996"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">37.2&#160; Interest
expense</font></b></font><a name="XBRL_TS_b78c5fb062ec4ef9b3b823ac8_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3fdce086211b4383a3d5d4e69"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated income statements is as follows:</font></font><a name="XBRL_TS_3fdce086211b4383a3d5d4e69_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Interest Expenses. Breakdown by Origin (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">80</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">123</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">192</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits from credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,023</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,880</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,367</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Customers deposits</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,523</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,814</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,766</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt certificates</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,936</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,930</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,323</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Adjustments of expenses as a result of hedging transactions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(323)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">665</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(574)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash flow hedges (effective portion)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair value hedges</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(368)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">627</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(616)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cost attributable to pension funds</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">119</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">125</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Insurance activity</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">607</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">682</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">846</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other expenses</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,274</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">316</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">634</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,239</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,537</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,648</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="_Toc474142309"></a><a name="_Toc376972405"></a><a name="_Toc376949997"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_dc80c056b21847bc8e2c3b18c"></a><a name="_Toc106065"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-222</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_226"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">37.3&#160; Average return on
investments and average borrowing cost</font></b></font><a name="XBRL_TS_dc80c056b21847bc8e2c3b18c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_a87bc25c20b04e9f80303c778"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The detail of the average return on investments
in the years ended December 31, 2018, 2017 and 2016 is as follows:</font></font><a name="XBRL_TS_a87bc25c20b04e9f80303c778_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.3_003BIS_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=10 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Assets (Millions of
  euros)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=24% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:39.0pt;">
  <td width=24% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Balances</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest
  income</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Interest Rates (%)</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Balances</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest
  income</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Interest Rates (%)</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Balances</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest
  income</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Interest Rates (%)</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=24% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Cash and balances with central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42,730 </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">135 </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.32 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">33,917 </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">83 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.25 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26,209 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.04 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Securities portfolio
  and derivatives </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">179,672 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,707 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.18 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">177,164 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,724 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.67 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">202,388 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,072 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.51 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Loans and advances to central banks</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,518 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">258 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4.67 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10,945 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">258 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.36 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15,326 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">229 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.50 </font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td valign=bottom width=24% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">25,634 </font></font></p>
  </td>
 <td nowrap width=9% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">657 </font></font></p>
  </td>
 <td nowrap width=9% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.56 </font></font></p>
  </td>
 <td nowrap width=8% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26,420 </font></font></p>
  </td>
 <td nowrap width=9% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">485 </font></font></p>
  </td>
 <td nowrap width=8% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.83 </font></font></p>
  </td>
 <td nowrap width=8% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28,078 </font></font></p>
  </td>
 <td nowrap width=8% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">218 </font></font></p>
  </td>
 <td nowrap width=8% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.78 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">378,996 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22,804 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.02 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">407,153 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23,261 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.71 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">410,895 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21,853 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.32 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Euros</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">181,668 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,381 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.86 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">196,893 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,449 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.75 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">201,967 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,750 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.86 </font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=24% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Foreign currency</font></font></p>
  </td>
 <td nowrap width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">197,328 </font></font></p>
  </td>
 <td nowrap width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19,423 </font></font></p>
  </td>
 <td nowrap width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9.84 </font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">210,261 </font></font></p>
  </td>
 <td nowrap width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19,812 </font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9.42 </font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">208,928 </font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18,104 </font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8.67 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other assets</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46,343 </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">270 </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.58 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">48,872 </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">485 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.99 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">52,748 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">325 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.62 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=24% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">678,893</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">29,831</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4.39</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">704,471</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">29,296</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4.16</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">735,645</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27,708</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.77</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_cd9a078a57fd439d8c4766b17"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The average borrowing cost in the years ended
December 31, 2018, 2017 and 2016 is as follows:</font></font><a name="XBRL_TS_cd9a078a57fd439d8c4766b17_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.3_004BIS_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=10 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Liabilities (Millions
  of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=24% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:40.5pt;">
  <td width=24% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Balances</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest
  expenses</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Interest Rates (%)</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Balances</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest
  expenses</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Interest Rates (%)</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Balances</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest
  expenses</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average
  Interest Rates (%)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=24% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Deposits from central banks and credit institutions</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">65,044 </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,192 </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.37 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">90,619 </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,212 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.44 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">101,975 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,866 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.83 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Customer deposits</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">370,078 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,559 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.77 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">392,057 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,007 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.79 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">398,851 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,944 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.49 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160; Euros</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">178,370 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">337 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.19 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">186,261 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">461 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.25 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">195,310 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">766 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.39 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160; Foreign currency</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">191,709 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,222 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.25 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">205,796 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,546 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.18 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">203,541 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,178 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.54 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Debt certificates</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">75,927 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,753 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.31 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">84,221 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,631 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.94 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">89,876 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,738 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.93 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other liabilities</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">115,638 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,735 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.50 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">82,699 </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">687 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.83 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">89,328 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,101 </font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.23 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Equity</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">52,206 </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54,874 </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">55,616 </font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=24% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">678,893</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12,239</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.80</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">704,471</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,537</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.64</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">735,645</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10,648</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.45</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c504ae33a1894553b35885d3a"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-223</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_227"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The change in the
balance under the headings &#8220;Interest income and other income&#8221; and &#8220;Interest
expense&#8221; 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:</font></font><a name="XBRL_TS_c504ae33a1894553b35885d3a_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.3_005_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Interest Income and Expenses : Change in the Balance (Millions of
  euros)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=36% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 width=33% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018 / 2017</font></b></font></p>
  </td>
 <td colspan=3 width=31% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017 / 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=36% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Volume Effect
  (1)</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Price </font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Effect&#160; (2)</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total Effect</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Volume Effect
  (1)</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Price </font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Effect&#160; (2)</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total Effect</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td valign=bottom width=36% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Cash and balances with central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71 </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">74 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Securities portfolio
  and derivatives</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">916 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">983 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(632)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">285 </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(347)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to Central Banks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(128)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">128 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(66)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">94 </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(14)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">187 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">172 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">279 </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">266 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,609)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,152 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(456)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(199)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,606 </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,408 </font></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=36% style="height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&#160;Euros&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(267)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">199 </font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(68)</font></font></p>
  </td>
 <td nowrap width=11% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(94)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(206)</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(301)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&#160;Foreign currencies</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,219)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">830 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(389)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">115 </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,593 </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,708 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(25)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(190)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(215)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(24)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">184 </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">160 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest income</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">535 </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,588 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Deposits from central banks and credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(624)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">604 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(208)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">554 </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">346 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Customer deposits </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(393)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(55)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(448)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(101)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,164 </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,063 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&#160;Euros&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(20)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(104)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(124)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(35)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(269)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(305)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&#160;Foreign currencies</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(448)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">124 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(324)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">57 </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,311 </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,368 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities
  issued</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(161)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">282 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(109)</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3 </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(106)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">274 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">774 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,048 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(82)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(332)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(414)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest
  expenses</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">702 </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:silver;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">889 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Net Interest
  Income</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(167)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">699 </font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_TS_0f4d55cf58d248ceb6c22ebca"></a><a name="XBRL_FS_33011f0a110242bcbe7e5b6ec"></a><a name="XBRL_TS_aa227a4de4864aa7ac82f8b3e"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(1)&#160;
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.</font></font><a name="XBRL_FS_33011f0a110242bcbe7e5b6ec_bclEnd"></a><a name="XBRL_TS_aa227a4de4864aa7ac82f8b3e_bclEnd"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_5c6d7c7b0396414da268f156a"></a><a name="XBRL_TS_dcac4fcd713847248b554f3d7"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(2)&#160;
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.</font></font><a name="XBRL_FS_5c6d7c7b0396414da268f156a_bclEnd"></a><a name="XBRL_TS_0f4d55cf58d248ceb6c22ebca_bclEnd"></a><a name="XBRL_TS_dcac4fcd713847248b554f3d7_bclEnd"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_c1472ec8dac44bbb85243208f"></a><a name="_Toc106066"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">38.&#160;&#160; Dividend income</font></b></font><a name="XBRL_TS_c1472ec8dac44bbb85243208f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_21b329fcba38479ca66a612be"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balances for this heading in the
accompanying consolidated income statements correspond to dividends on shares
and equity instruments other than those from shares in entities accounted for
using the equity method (see Note 39), as can be seen in the breakdown below:</font></font><a name="XBRL_TS_21b329fcba38479ca66a612be_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_001.1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.45pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Dividend Income (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.9pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Dividends from:</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=67% style="height:21.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets held for trading and financial assets at fair
  value through profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">145</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">161</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at fair value through other comprehensive
  income</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">138</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">188</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">307</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">157</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">334</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">467</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_3c19d6e6e0514fcc84d1878f0"></a><a name="_Toc106067"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">39.&#160; Share of profit or loss of entities accounted for using the
equity method</font></b></font><a name="XBRL_TS_3c19d6e6e0514fcc84d1878f0_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_bcd07f2b28fd4c698b1751e95"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Net income from
&#8220;Investments in Entities Accounted for Using the Equity Method&#8221; resulted in a
negative impact of &#8364;7 million as of December 31, 2018, compared with the
positive impact of &#8364;4&#160; and &#8364;25 million recorded as of December 31, 2017 and
2016, respectively.</font></font><a name="XBRL_TS_bcd07f2b28fd4c698b1751e95_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_219a7aec1fea4e76a78948b63"></a><a name="_Toc106068"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-224</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_228"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">40.&#160;&#160; Fee and commission
income and expense</font></b></font><a name="XBRL_TS_219a7aec1fea4e76a78948b63_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_f46a8b908d7843efa17d361f5"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under these
heading in the accompanying consolidated income statements is as follows:</font></font><a name="XBRL_TS_f46a8b908d7843efa17d361f5_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fee and Commission Income (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Bills receivables</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">52</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Demand accounts</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">451</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">507</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">469</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit and debit
  cards</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,900</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,834</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,679</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Checks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">194</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">212</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">207</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Transfers and other payment orders</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">605</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">601</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">578</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Insurance product
  commissions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">171</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">192</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">178</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commitment fees</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">223</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">231</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">237</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Contingent risks</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">390</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">396</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">406</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Asset Management</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,023</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">923</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">839</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Securities fees</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">325</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">385</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">335</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Custody securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other fees and
  commissions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">689</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">700</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">701</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,132</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,150</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,804</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:left;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p align=left style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:left;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_0d32e01903e14c08ac71c8b27"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of fee and commission expense
under these heading in the accompanying consolidated income statements is as
follows:</font></font><a name="XBRL_TS_0d32e01903e14c08ac71c8b27_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_004_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fee and Commission Expense (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit and debit
  cards</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,502</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,458</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,334</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Transfers and other payment orders</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">102</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">102</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commissions for
  selling insurance</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">60</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other fees and
  commissions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">607</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">610</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">587</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,253</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,229</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,086</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:left;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_19d11d1ee5304a58b9545a41c"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-225</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_229"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">41.&#160; Gains (losses) on financial assets and liabilities, net and
Exchange differences</font></b></font><a name="XBRL_TS_19d11d1ee5304a58b9545a41c_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_5df2f5ac65fc4532a621ff396"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this
heading, by source of the related items, in the accompanying consolidated
income statement is as follows:</font></font><a name="XBRL_TS_5df2f5ac65fc4532a621ff396_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_005_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains (losses) on financial assets and liabilities and exchange
  differences: Breakdown by Heading of the Consolidated Income Statements
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.45pt;">
  <td width=64% style="border:none;height:20.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains or losses on derecognition of financial assets and liabilities
  not measured at fair value through profit or loss, net</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">216</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">985</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,375</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial
  assets at amortized cost</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">133</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">95</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=64% style="height:14.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other
  financial assets and liabilities </font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">164</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">852</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,281</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td width=64% style="height:21.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains or losses on financial assets and liabilities held for trading,
  net</font></font></p>
  </td>
 <td nowrap width=12% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">707</font></font></p>
  </td>
 <td nowrap width=12% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">218</font></font></p>
  </td>
 <td nowrap width=12% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">248</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td width=64% style="height:21.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Reclassification
  of financial assets from fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=12% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td width=64% style="height:21.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Reclassification
  of financial assets from amortized cost</font></font></p>
  </td>
 <td nowrap width=12% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td width=64% style="height:21.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other gains or (-)
  losses</font></font></p>
  </td>
 <td nowrap width=12% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">707</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:36.75pt;">
  <td width=64% style="height:36.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains (losses) on non-trading financial assets mandatorily at fair
  value through profit or loss, net</font></font></p>
  </td>
 <td nowrap width=12% style="height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:36.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:36.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td width=64% style="height:21.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Reclassification
  of financial assets from fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=12% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td width=64% style="height:21.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Reclassification
  of financial assets from amortized cost</font></font></p>
  </td>
 <td nowrap width=12% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td width=64% style="height:21.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other gains or (-)
  losses</font></font></p>
  </td>
 <td nowrap width=12% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="background:silver;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:20.45pt;">
  <td width=64% style="height:20.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains or losses on financial assets and liabilities designated at fair
  value through profit or loss, net</font></font></p>
  </td>
 <td nowrap width=12% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">143</font></font></p>
  </td>
 <td nowrap width=12% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(56)</font></font></p>
  </td>
 <td nowrap width=12% style="height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">114</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains or losses from hedge accounting, net </font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">72</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(209)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(76)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=64% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Subtotal Gains or (losses) on financial assets and liabilities</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,234</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">938</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,661</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td valign=bottom width=64% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Exchange Differences</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,030</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">472</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=64% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,223</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,968</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,133</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_c914850fe00943f586366354e"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-226</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_230"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of
the balance (excluding exchange rate differences) under this heading in the
accompanying income statements by the nature of financial instruments is as
follows:</font></font><a name="XBRL_TS_c914850fe00943f586366354e_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_006_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains (losses) on financial assets and liabilities: Breakdown by nature
  of the Financial Instrument (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt instruments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">354</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">545</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">906</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(253)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">845</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">459</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(172)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">97</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">65</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Trading derivatives and hedge accounting</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">927</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(470)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">109</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Customer deposits</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">240</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(96)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">137</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,233</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">938</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,661</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_f10d978006294efcb6dc06bc8"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance of the impact of
the derivatives (trading and hedging) under this heading in the accompanying
consolidated income statements is as follows:</font></font><a name="XBRL_TS_f10d978006294efcb6dc06bc8_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_007_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Derivatives - Hedge accounting (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Interest rate
  agreements</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">165</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">431</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Securities agreements</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">294</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(139)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">86</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commodity agreements</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">99</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(29)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit derivative agreements</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(109)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(564)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(118)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign-exchange
  agreements</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">606</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">315</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">186</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other agreements</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(24)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(137)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(371)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">856</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(261)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">185</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Hedging
  Derivatives Ineffectiveness</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=67% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair value hedges</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(177)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(76)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Hedging derivative</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(150)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(236)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(330)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Hedged item</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">237</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">254</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cash flow hedges</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(32)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">72</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(209)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(76)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">927</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(470)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">109</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_15bebe4843a64e50aad67277e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, in the years ended December 31,
2018, 2017 and 2016, under the heading &#8220;Gains or losses on financial assets and
liabilities held for trading, net&#8221; of the consolidated income statement, net
amounts of negative &#8364;113 million, positive &#8364;235 million and positive &#8364;151 million,
respectively, were recognized for transactions with foreign exchange trading
derivatives.</font></font><a name="XBRL_TS_15bebe4843a64e50aad67277e_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_d45cef3d083c42fc8f949419c"></a><a name="_Toc106070"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-227</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_231"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">42.&#160;&#160; Other operating income
and expense</font></b></font><a name="XBRL_TS_d45cef3d083c42fc8f949419c_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_ed6d16f9b42446ddb8fd7cf35"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under the heading
&#8220;Other operating income&#8221; in the accompanying consolidated income statements is
as follows:</font></font><a name="_Toc376950008"></a><a name="_Toc347755881"></a><a name="_Toc331260343"></a><a name="_Toc299032902"></a><a name="_Toc299031563"></a><a name="_Toc299029483"></a><a name="_Toc298431745"></a><a name="XBRL_TS_ed6d16f9b42446ddb8fd7cf35_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_008_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.6pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other operating income (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:42.75pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=67% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains from sales of non-financial services</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">458</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,109</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">882</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=67% style="height:15.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Real estate</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">283</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">884</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">588</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=67% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other </font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">491</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">330</font></font></p>
  </td>
 <td nowrap width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">390</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Of which: net profit from building leases</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">76</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">949</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,439</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,272</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_40d4ac7639ef4944be8b145d3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under the heading
&#8220;Other operating expense&#8221; in the accompanying consolidated income statements is
as follows:</font></font><a name="XBRL_TS_40d4ac7639ef4944be8b145d3_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_009_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other operating expense (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=67% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Change in inventories</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">292</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">886</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">617</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of Which:
  Real estate</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">248</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">816</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">511</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,808</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,337</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,511</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,101</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,223</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,128</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:left;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_aaaf9694fccf4278b1d15f4a9"></a><a name="_Toc106071"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-228</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_232"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">43. Income and expense from insurance and reinsurance contracts</font></b></font><a name="XBRL_TS_aaaf9694fccf4278b1d15f4a9_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_bb059767182d45cab47731a58"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The detail of the headings &#8220;Income and expense
from insurance and reinsurance contracts&#8221; in the accompanying consolidated
income statements is as follows:</font></font><a name="_Toc457490051"></a><a name="XBRL_TS_bb059767182d45cab47731a58_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_009BIS_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other operating income and expense on insurance and reinsurance
  contracts (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td valign=bottom width=67% style="border:none;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Income on insurance and reinsurance contracts</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,949</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,342</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,652</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Expenses on insurance and reinsurance contracts</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,894)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,272)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,545)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,055</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,069</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,107</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_0018caf825784152bc2fb1fa8"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below shows the contribution of each
insurance product to the Group&#180;s income for the years ended December 31, 2018,
2017 and 2016:</font></font><a name="XBRL_TS_0018caf825784152bc2fb1fa8_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_005.2_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Income by type of insurance product (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Life insurance</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">682</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">604</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">634</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Individual</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">486</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">346</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">268</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Savings</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Risk</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">430</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">308</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">238</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Group insurance</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">196</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">258</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">366</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Savings</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Risk</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">157</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">263</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">357</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-Life insurance</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">373</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">464</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">474</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Home insurance</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">110</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">118</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">131</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other non-life insurance products</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">263</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">346</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">342</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,055</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,069</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,107</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_55a35a329d6c44ef9c78426a6"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-229</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_233"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">44.&#160;&#160; Administration
costs</font></b></font><a name="XBRL_TS_55a35a329d6c44ef9c78426a6_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_8911ed290e0347acbfbb4cefb"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">44.1 &#160;</font></b></font><a name="_Toc106073"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">Personnel
expenses</font></b></font><a name="XBRL_TS_8911ed290e0347acbfbb4cefb_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_904c20a85bab43f08c56a790a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated income statements is as follows:</font></font><a name="XBRL_TS_904c20a85bab43f08c56a790a_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_010_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Personnel Expenses (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Wages and salaries</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,786</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,163</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,267</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Social security costs</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">722</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">761</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">784</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Defined contribution
  plan expense</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">89</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Defined benefit plan
  expense</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other personnel
  expenses</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">465</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">497</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">516</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,120</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,571</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,722</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_04c91338fa2b4ac19f3abc99c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the average number of
employees in the BBVA Group in the year ended December 31, 2018, 2017 and 2016
by professional categories and geographical areas is as follows:</font></font><a name="XBRL_TS_04c91338fa2b4ac19f3abc99c_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_44_011_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.45pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Average Number of
  Employees</font></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spanish banks</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Management Team</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,047 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,026 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,044 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other line personnel</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,840 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,180 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,211 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Clerical staff</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,818 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,060 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,730 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Branches abroad</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">589 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">603 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">718 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,294</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,869</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,703</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Companies
  abroad</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,655 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,664 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,378 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,786 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,532 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,710 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,322 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,154 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,900 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Venezuela</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,631 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,379 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,097 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Argentina</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,074 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,173 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,041 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Colombia</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,185 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,374 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,714 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Peru</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,879 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,571 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,455 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,767 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,501 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,037 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">88,299</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90,348</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91,332</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Pension fund
  managers</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">395 </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">362 </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">335 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other
  non-banking companies</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,349 </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,925 </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,307 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">129,336</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">132,504</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">136,677</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=67% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=67% style="height:11.45pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&#160; Men</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59,547</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">60,730</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62,738</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=67% style="height:11.45pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&#160;Women&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69,790</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71,774</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">73,939</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=67% style="height:11.45pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=67% style="height:11.45pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&#160;BBVA, S.A.</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,294</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,869</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,979</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_bb79e67b144a47039b34b847f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the number of employees in the
BBVA Group as of December 31, 2018, 2017 and 2016 by category and gender is as
follows:</font></font><a name="XBRL_TS_bb79e67b144a47039b34b847f_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_44_012_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Number of Employees at the period end. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Professional
  Category and Gender</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Male</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Female</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Male</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Female</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Male</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Female</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Management Team</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,197</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">339</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,244</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">342</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,331</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">350</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other line personnel</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37,461</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,918</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,670</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39,191</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,514</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39,213</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Clerical staff</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,315</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,397</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,639</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,770</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,066</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33,318</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=34% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">57,973</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67,654</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">60,553</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71,303</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61,911</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">72,881</font></b></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-230</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="_Toc106074"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:1.0pt;line-height:115%;">&nbsp;</font></font></p>

<h3 style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:2.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_078314de055c4e3fb52c760d7"></a><font color=#1F4D78 style="border:none;"><font color=#1F4D78 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:115%;">44.1.1 Share-based employee remuneration</font></font><a name="XBRL_TS_078314de055c4e3fb52c760d7_bclEnd"></a></h3>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_77accac79bf34636bdc90ae93"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amounts recognized under the heading
&#8220;Administration costs - Personnel expenses - Other personnel expenses&#8221; in the
consolidated income statements for the year ended December 31, 2018, 2017 and
2016, corresponding&#160; to the remuneration plans based on equity instruments in
each year, amounted to &#8364;</font></font><a name="XBRL_CS_49bb9e60e5a4470e979b76f79"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">29</font></font><a name="XBRL_CS_49bb9e60e5a4470e979b76f79_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> million, &#8364;<a name="XBRL_CS_7cd5ebba82074b87806016171"></a>38<a name="XBRL_CS_7cd5ebba82074b87806016171_bclEnd"></a> million and &#8364;<a name="XBRL_CS_43326be16e91452e81363b29a"></a>57<a name="XBRL_CS_43326be16e91452e81363b29a_bclEnd"></a> million, respectively.
These amounts have been recognized with a corresponding entry under the heading
&#8220;Shareholders&#8217; funds - Other equity instruments&#8221; in the accompanying
consolidated balance sheets, net of tax effect.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The characteristics of the Group's remuneration
plans based on equity instruments are described below.</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font color=#094FA5 face=Arial,sans-serif style="border:none;"><font color=#094FA5 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">System of
Variable Remuneration in Shares </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In BBVA, the annual variable remuneration
applying generally to all employees consists of one incentive, to be paid in
cash, awarded once a year and linked to the achievement of predetermined
objectives and to a sound risk management (hereinafter, the &#8220;Annual Variable
Remuneration&#8221;).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">According to the remuneration policy for BBVA
Group, in force since 2017, the specific settlement and payment system for the
Annual Variable Remuneration applicable to those employees and senior managers
whose professional activities have a significant impact on the Group&#8217;s risk
profile including the executive directors and members of BBVA Senior Management
(hereinafter, the &quot;Identified Staff&quot;), which includes, among others,
the payment in shares of part of their Annual Variable Remuneration. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This remuneration policy was approved, with
respect to BBVA directors, by the Board of Directors held on February 9, 2017,
and by the Annual General Shareholders&#8217; Meeting held on March 17, 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_b7e4b8353d59443dbef7dfaee"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This remuneration policy includes a specific
settlement and payment system of the Annual Variable Remuneration applicable to
the Identified Staff, including directors and senior management, under the
following rules, among others: </font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">A significant percentage of variable remuneration &#8211;
60% in the case of executive directors, Senior Management and those Identified
Staff members with particularly high variable remuneration, and 40% for the
rest of the Identified Staff&#8211; shall be deferred over a five-year period, in the
case of executive directors and Senior Management, and over a three-year
period, for the remaining Identified Staff.</font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">50% of the variable remuneration of each year (including
both upfront and deferred portions), shall be established in BBVA shares,
albeit a larger proportion (60%) in shares shall be deferred in the case of
executive directors and Senior Management.</font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">The variable remuneration will be subject to ex
ante adjustments, so that it will not be accrued, or will be accrued in a
reduced amount, should a certain level of profit or capital ratio not be
obtained. Likewise, the Annual Variable Remuneration will be reduced upon
performance assessment in the event of negative evolution of the Bank&#8217;s results
or other parameters such as the level of achievement of budgeted targets.
</font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-231</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">The deferred component of the variable remuneration
(in shares and in cash) may be reduced in its entirety, yet not increased,
based on the result of multi-year performance indicators aligned with the
Bank&#8217;s fundamental risk management and control metrics, related to the
solvency, capital, liquidity, funding or profitability, or to the share
performance and recurring results of the Group. </font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">During the entire deferral period (5 or 3 years, as
applicable) and retention period, variable remuneration shall be subject to
malus and clawback arrangements, both linked to a downturn in financial
performance of the Bank, specific unit or area, or individual, under certain
circumstances. </font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">All shares shall be withheld for a period of one
year after delivery, except for those shares required to honor the payment of
taxes.</font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">No personal hedging strategies or insurance may be
used in connection with remuneration and responsibility that may undermine the
effects of alignment with sound risk management. </font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">The deferred amounts in cash subject to multi-year
performance indicators that are finally paid shall be subject to updating, in
the terms determined by the Bank&#8217;s Board of Directors, upon proposal of the
Remunerations Committee, whereas deferred amounts in shares shall not be
updated.</font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:53.4pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=windowtext face=Symbol lang=EN style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=EN style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font color=black face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">Finally, the variable component of the remuneration
of the Identified Staff members shall be limited to a maximum amount of 100% of
the fixed component of total remuneration, unless the General Meeting resolves
to increase this percentage up to 200%.<a name="XBRL_TS_b7e4b8353d59443dbef7dfaee_bclEnd"></a></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In this regard, the General Meeting held on
March 16, 2018 resolved to increase the maximum level of variable remuneration
to 200% of the fixed component for a number of the Identified Staff, in the
terms indicated in the Report of Recommendations issued for this purpose by the
Board of Directors dated February 12, 2018.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In accordance with the new remuneration policy
applicable to the Identified Staff, malus and clawback arrangements will be
applicable to the Annual Variable Remuneration awarded as of the year 2016,
inclusive, for each member of the Identified Staff.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">According to the settlement and payment scheme
indicated, during 2018, members of the Identified Staff received a total amount
of <a name="XBRL_CS_96a8e9b708ae4a7d8c76411d3"></a>3,932,268<a name="XBRL_CS_96a8e9b708ae4a7d8c76411d3_bclEnd"></a> shares corresponding to
the initial payment corresponding to 2017 Annual Variable Remuneration to be
delivered in shares.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additionally, the remuneration policy
prevailing until 2014 provided for a specific settlement and payment scheme for
the variable remuneration of the Identified Staff that established a three-year
deferral period for the Annual Variable Remuneration, being the deferred amount
paid in thirds over this period in equal parts, in cash and in BBVA shares.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">According to this prior scheme, during 2018,
the members of the Identified Staff received the shares corresponding to the
deferred parts of the Annual Variable Remuneration from previous years, and
their corresponding adjustments in cash, delivery of which corresponded in
2018, were delivered to the beneficiary members of the Identified Staff,
resulting in a total amount of <a name="XBRL_CS_2239d243c30d4c8793eed5315"></a>941,366<a name="XBRL_CS_2239d243c30d4c8793eed5315_bclEnd"></a>&#160; shares corresponding to
the last deferred third of the 2014 Annual Variable Remuneration and &#8364;<a name="XBRL_CS_a17acbee71094b43ba3c38ac8"></a>903,711<a name="XBRL_CS_a17acbee71094b43ba3c38ac8_bclEnd"></a> as adjustments for updates
of the shares granted.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The information on the delivery of shares to
executive Directors and senior management corresponding to the deferred parts
of the Annual Variable Remuneration from previous years and their corresponding
adjustments in cash, are detailed in Note 54.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additionally, in line with specific regulation
applicable in Portugal and Brazil, BBVA identifies those employees that,
according to local regulators, should be subject to a specific settlement and
payment scheme of the Annual Variable Remuneration. </font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-232</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_236"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">According to this
regulation, during 2018 a number of <a name="XBRL_CS_ea511ccc189b4276a391cef34"></a>39,555<a name="XBRL_CS_ea511ccc189b4276a391cef34_bclEnd"></a> shares corresponding to
the initial payment of 2017 Annual Variable Remuneration were delivered to
these beneficiaries. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additionally, during 2018 the shares
corresponding to the deferred parts of the Annual Variable Remuneration and
their corresponding adjustments in cash, were delivered to these beneficiaries,
giving rise in 2018, of a total of <a name="XBRL_CS_2a512ab3540f4eec9f85ef0b2"></a>12,120<a name="XBRL_CS_2a512ab3540f4eec9f85ef0b2_bclEnd"></a> shares corresponding to
the first deferred third of the 2016 Annual Variable Remuneration, and &#8364;<a name="XBRL_CS_849cfee134654e23a22b05775"></a>2,679<a name="XBRL_CS_849cfee134654e23a22b05775_bclEnd"></a> as adjustments for updates
of the shares granted; a total of <a name="XBRL_CS_6d8d3a1839d74c12845e716d5"></a>10,485<a name="XBRL_CS_6d8d3a1839d74c12845e716d5_bclEnd"></a> shares corresponding to
the second third of the 2015 Annual Variable Remuneration, and &#8364;<a name="XBRL_CS_b0742fa840754c499c8c7495d"></a>6,186<a name="XBRL_CS_b0742fa840754c499c8c7495d_bclEnd"></a> as adjustments for updates
of the shares granted; and a total of <a name="XBRL_CS_fcfbaff43a2e4585811dd70a3"></a>7,158<a name="XBRL_CS_fcfbaff43a2e4585811dd70a3_bclEnd"></a> shares corresponding to
the final third of the 2014 Annual Variable Remuneration, and &#8364;<a name="XBRL_CS_f310dbbdece941b489fefb2d5"></a>6,872<a name="XBRL_CS_f310dbbdece941b489fefb2d5_bclEnd"></a> as adjustments for updates
of the shares granted.</font></font><a name="XBRL_TS_77accac79bf34636bdc90ae93_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_d569f1a2b3b44083ac0530031"></a><a name="_Toc474142320"></a><a name="_Toc106075"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">44.2&#160; Other administrative
expenses</font></b></font><a name="XBRL_TS_d569f1a2b3b44083ac0530031_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:left;"><a name="XBRL_TS_7ad9fedb11264cdd9217270b4"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">The
breakdown of the balance under this heading in the accompanying consolidated
income statements is as follows:</font></font><a name="XBRL_TS_7ad9fedb11264cdd9217270b4_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_014_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other Administrative Expenses (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Technology and
  systems</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,133</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">692</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">673</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Communications </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">235</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">269</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">294</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Advertising</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">336</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">352</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">398</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Property, fixtures
  and materials</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">982</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,033</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,080</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Rent expenses (*)</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">552</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">581</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">616</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Taxes other than income tax</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">417</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">456</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">433</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other expenses</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,271</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,738</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,766</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,374</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,541</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,644</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_FS_d4ad7c97255641039c8364d47"></a><a name="XBRL_TS_6d8dff2afddc4c92842b25eb2"></a><a name="XBRL_TS_0da61830f9094a9795acbe10e"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160;
The consolidated companies do not expect to terminate the lease contracts
early.</font></font><a name="XBRL_FS_d4ad7c97255641039c8364d47_bclEnd"></a><a name="XBRL_TS_0da61830f9094a9795acbe10e_bclEnd"></a><a name="XBRL_TS_6d8dff2afddc4c92842b25eb2_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_63eeaa6283994067b25e772f1"></a><a name="_Toc106076"></a><a name="_Toc457490052"></a><a name="_Toc474142321"></a><a name="_Toc481589107"></a><a name="_Toc495478159"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">45.&#160;&#160; Depreciation</font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;"> and Amortization</font></b></font><a name="XBRL_TS_63eeaa6283994067b25e772f1_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_50e157be5a5e4dd391ca15629"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated income statements is as follows:</font></font><a name="XBRL_TS_50e157be5a5e4dd391ca15629_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_015_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Depreciation and amortization (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=57% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=57% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">594</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">694</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">690</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">For own use</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">589</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">680</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">667</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Investment
  properties</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Assets leased out under operating lease</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=57% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other Intangible
  assets</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">613</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">694</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">735</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=57% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,208</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,387</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,426</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="_Toc298431748"></a><a name="_Toc299029486"></a><a name="_Toc299031566"></a><a name="_Toc299032905"></a><a name="_Toc331260346"></a><a name="_Toc347755884"></a><a name="_Toc376950011"></a><a name="XBRL_TS_581b826908c041b4bf647fb3c"></a><a name="_Toc457490053"></a><a name="_Toc474142322"></a><a name="_Toc481589108"></a><a name="_Toc495478160"></a><a name="_Toc106077"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">46.&#160;&#160; Provisions or (reversal)
of provisions</font></b></font><a name="XBRL_TS_581b826908c041b4bf647fb3c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3dd28c0260504172afb98c67f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the years ended December 31, 2018, 2017 and
2016 the net provisions recognized in this income statement line item were as
follows:</font></font><a name="XBRL_TS_3dd28c0260504172afb98c67f_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_016_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.45pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Provisions or (reversal) of provisions (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=56% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Pensions and other post employment defined benefit obligations</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">125</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">343</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">332</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td valign=bottom width=56% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commitments and
  guarantees given</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(48)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(313)</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td valign=bottom width=56% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Pending legal issues and tax litigation</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">133</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">318</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">76</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other Provisions </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">163</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">397</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">722</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">373</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">745</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,186</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc298431749"></a><a name="_Toc299029487"></a><a name="_Toc299031567"></a><a name="_Toc299032906"></a><a name="_Toc331260347"></a><a name="_Toc347755885"></a><a name="_Toc376950012"></a><a name="XBRL_TS_86030e96740d4e02a83872e6b"></a><a name="_Toc457490054"></a><a name="_Toc474142323"></a><a name="_Toc481589109"></a><a name="_Toc495478161"></a><a name="_Toc106078"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-233</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_237"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">47.&#160;&#160; Impairment or (reversal)
of impairment on financial assets not measured at fair value through profit or
loss</font></b></font><a name="XBRL_TS_86030e96740d4e02a83872e6b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_d191cb1d1bc443bea68caf9f9"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of Impairment or reversal of
impairment on financial assets not measured at fair value through profit or
loss by the nature of those assets in the accompanying consolidated income
statements is as follows:</font></font><a name="XBRL_TS_d191cb1d1bc443bea68caf9f9_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_017_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:20.45pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Impairment or (reversal) of impairment on financial assets not measured
  at fair value through profit or loss (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13.4</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,127</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">202</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">157</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,131</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial assets at amortized cost</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,980</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,677</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,597</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Of which: Recovery of written-off assets</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7.3.5</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">589</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">558</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">541</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Held to maturity
  investments</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="background:#D9D9D9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,981</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,803</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,801</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc331260348"></a><a name="_Toc298431750"></a><a name="_Toc347755886"></a><a name="_Toc376950013"></a><a name="XBRL_TS_e0015fe81b68443b8296440f3"></a><a name="_Toc457490055"></a><a name="_Toc474142324"></a><a name="_Toc481589110"></a><a name="_Toc495478162"></a><a name="_Toc106079"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">48.&#160; Impairment or (reversal) of impairment on non-financial
assets</font></b></font><a name="XBRL_TS_e0015fe81b68443b8296440f3_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_bf444a06a8f047bab1de8e38a"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">The
impairment losses on non-financial assets broken down by the nature of those
assets in the accompanying consolidated income statements are as follows:</font></font><a name="XBRL_TS_bf444a06a8f047bab1de8e38a_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_018_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Impairment or (reversal) of impairment on non-financial assets
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">143</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Intangible assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18.2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Others&#160;&#160; </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">306</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">375</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">138</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">363</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">521</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc299029488"></a><a name="_Toc299031568"></a><a name="_Toc299032907"></a><a name="_Toc298431751"></a><a name="_Toc331260349"></a><a name="_Toc347755887"></a><a name="_Toc376950016"></a><a name="XBRL_TS_3339a7d0043c471ab851ff977"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">49.&#160;&#160; Gains (losses) on derecognition of non -
financial assets and subsidiaries, net</font></b></font><a name="XBRL_TS_3339a7d0043c471ab851ff977_bclEnd"></a></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><a name="XBRL_TS_fda4e34d4aa44637a8ae29eb8"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance under this heading
in the accompanying consolidated income statements is as follows:</font></font><a name="XBRL_TS_fda4e34d4aa44637a8ae29eb8_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_019_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains (losses) on derecognition of non-financial assets and
  subsidiaries, net (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Gains</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of investments in non-consolidated subsidiaries</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">111</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of tangible assets and other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">81</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">64</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Losses:</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of investments in non-consolidated subsidiaries</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(58)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Disposal of tangible assets and other</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(45)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(33)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(47)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=67% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total </font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">70</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font style="border:none;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc298431752"></a><a name="_Toc299029489"></a><a name="_Toc299031569"></a><a name="_Toc299032908"></a><a name="_Toc331260350"></a><a name="_Toc347755888"></a><a name="_Toc376950017"></a><a name="XBRL_TS_151a98208035401abd0a8bbcc"></a><a name="_Toc457490057"></a><a name="_Toc474142326"></a><a name="_Toc481589112"></a><a name="_Toc495478164"></a><a name="_Toc106081"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-234</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_238"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">50.&#160; Profit (loss) from
non-current assets and disposal groups classified as held for sale not
qualifying as discontinued operations</font></b></font><a name="XBRL_TS_151a98208035401abd0a8bbcc_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c339eb8d1d75468aaf309c9f5"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The main items included in the balance under
this heading in the accompanying consolidated income statements are as follows:</font></font><a name="XBRL_TS_c339eb8d1d75468aaf309c9f5_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51_020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:31.5pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Profit (loss) from non-current assets and disposal groups classified as
  held for sale not qualifying as discontinued operations (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains on sale of real estate</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">102</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Impairment of non-current assets held for sale</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(208)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(158)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(136)</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=56% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains on sale of investments classified as non-current assets held for
  sale (*)</font></font></p>
  </td>
 <td nowrap width=11% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">894</font></font></p>
  </td>
 <td nowrap width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82</font></font></p>
  </td>
 <td nowrap width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39</font></font></p>
  </td>
 </tr>
<tr style="height:26.25pt;">
  <td valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Gains on sale of equity instruments classified as non-current assets
  held for sale</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">815</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(31)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_3cc295f2268242148e10c02d8"></a><a name="XBRL_FS_ae8cc49faa834cc2ace4af09e"></a><a name="XBRL_TS_1fddc873e048426790522f074"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160; The
change is mainly as a result of the sale of the BBVA stake in BBVA Chile (see
Note 3).</font></font><a name="XBRL_FS_ae8cc49faa834cc2ace4af09e_bclEnd"></a><a name="XBRL_TS_1fddc873e048426790522f074_bclEnd"></a><a name="XBRL_TS_3cc295f2268242148e10c02d8_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_3e3d1b9822ce4a99b3b68b2e4"></a><a name="_Toc106082"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-235</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_239"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">51.&#160;&#160; Consolidated statements of cash flows</font></b></font><a name="XBRL_TS_3e3d1b9822ce4a99b3b68b2e4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_8a0f97079467442a8f4f1faa9"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the consolidated statements of cash flows,
the balance of &#8220;Cash equivalent in central banks&#8221; includes short-term deposits
at central banks under the heading &quot;Financial assets at amortized
cost&quot; in the accompanying consolidated balance sheets and does not include
demand deposits with credit institutions recorded in the heading &quot;Cash,
balances in cash at Central Bank and other demand deposits&quot;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Cash flows from operating activities increased
in the year ended December 31, 2018 by &#8364;6,609 million (compared with a decrease
of &#8364;4,568 million in December 31, 2017), mainly due to the change in &#8220;Financial
assets held for trading&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Cash flows from investing activities increased
in the year ended December 31, 2018 by &#8364;4,614 million (compared with an
increase of &#8364;3,462 million in December 31, 2017), mainly due to the change in
&#8220;Joint Ventures and Associates&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Cash flows from financing activities decreased
in the year ended December 31, 2018 by &#8364;4,994 million (compared with an
increase of &#8364;1,015 million in December 31, 2017), mainly due to the change in
&#8220;Subordinated Liabilities&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
variation between 2018 and 2017 of the financial liabilities from financing
activities is the following:</font></font><a name="XBRL_TS_8a0f97079467442a8f4f1faa9_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_51_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:16.5pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Liabilities from financing activities (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=25% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 31,
  2017</font></b></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cash flows </font></b></font></p>
  </td>
 <td colspan=4 width=43% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-cash
  changes</font></b></font></p>
  </td>
 <td rowspan=2 width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 31,
  2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap valign=bottom width=25% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Acquisition</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Disposal</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign
  exchange movement</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair value
  changes</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=25% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt certificates</font></font></p>
  </td>
 <td width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50,635 </font></font></p>
  </td>
 <td width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,621)</font></font></p>
  </td>
 <td width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,900)</font></font></p>
  </td>
 <td width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(779)</font></font></p>
  </td>
 <td width=10% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46,335 </font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=25% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subordinated debt
  certificates</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,443 </font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">857 </font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(694)</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29 </font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,635 </font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=25% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Short-term debt</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,013 </font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">931 </font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">81 </font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,025 </font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=25% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  liabilities</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,891 </font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,574 </font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(643)</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,328)</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,495 </font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=25% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">86,982</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,741</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3,237)</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,997)</font></b></font></p>
  </td>
 <td width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">83,490</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td colspan=8 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Liabilities from financing activities (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=25% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 31,
  2016</font></b></font></p>
  </td>
 <td rowspan=2 width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Cash flows </font></b></font></p>
  </td>
 <td colspan=4 width=43% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-cash
  changes</font></b></font></p>
  </td>
 <td rowspan=2 width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 31,
  2017</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap valign=bottom width=25% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Acquisition</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Disposal</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign
  exchange movement</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fair value
  changes</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=25% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt certificates</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59,388 </font></font></p>
  </td>
 <td width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,958)</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,796)</font></font></p>
  </td>
 <td width=10% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50,635 </font></font></p>
  </td>
 </tr>
<tr style="height:18.6pt;">
  <td width=25% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subordinated debt certificates</font></font></p>
  </td>
 <td width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,987 </font></font></p>
  </td>
 <td width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,679 </font></font></p>
  </td>
 <td width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,223)</font></font></p>
  </td>
 <td width=10% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:18.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,443 </font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=25% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Short-term debt</font></font></p>
  </td>
 <td width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,556 </font></font></p>
  </td>
 <td width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,319)</font></font></p>
  </td>
 <td width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(224)</font></font></p>
  </td>
 <td width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,013 </font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=25% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  liabilities</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,179 </font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(378)</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(910)</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#333333 face=Arial,sans-serif style="border:none;"><font color=#333333 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,891 </font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=25% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98,111</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,976)</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,153)</font></b></font></p>
  </td>
 <td width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">86,982</font></b></font></p>
  </td>
 </tr>
</table></div>



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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_8588c73c39f94be0ade1a9f88"></a><a name="_Toc106083"></a><a name="_Toc495478166"></a><a name="_Toc481589114"></a><a name="_Toc474142328"></a><a name="_Toc457490059"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">52.&#160;&#160; Accountant fees and services</font></b></font><a name="XBRL_TS_8588c73c39f94be0ade1a9f88_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_ff97ca8cf2654aea867916451"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The details of the fees for the services
contracted by entities of the BBVA Group for the years ended December 31, 2018
and 2017 with their respective auditors and other audit entities are as
follows:</font></font><a name="XBRL_TS_ff97ca8cf2654aea867916451_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_52_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fees for Audits Conducted and Other Related Services (Millions of
  euros) (**)</font></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td width=78% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td valign=bottom width=78% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Audits of the companies audited by firms belonging to the KPMG
  worldwide organization and other reports related with the audit (*)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26.1</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27.2</font></font></p>
  </td>
 </tr>
<tr style="height:36.0pt;">
  <td valign=bottom width=78% style="height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other reports required pursuant to applicable legislation and tax
  regulations issued by the national supervisory bodies of the countries in
  which the Group operates, reviewed by firms belonging to the KPMG worldwide
  organization</font></font></p>
  </td>
 <td nowrap width=11% style="height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.5</font></font></p>
  </td>
 <td nowrap width=11% style="height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.9</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=78% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fees for audits conducted by other firms</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.1</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:12.0pt;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_cbac9c9b0f9742c9aa5de68f6"></a><a name="XBRL_FS_5aa3f6d82d374f19a573790c9"></a><a name="XBRL_TS_1642b759431d4c79a13ab21c6"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160;
Including fees pertaining to annual legal audits (&#8364;22.4 and 22.6 million as of
December 31, 2018 and December 31, 2017, respectively).</font></font><a name="XBRL_FS_5aa3f6d82d374f19a573790c9_bclEnd"></a><a name="XBRL_TS_1642b759431d4c79a13ab21c6_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:21.3pt;margin-right:33.75pt;margin-top:0cm;text-align:justify;text-indent:-21.3pt;"><a name="XBRL_FS_4fbc59be199f4d3b81fe4886f"></a><a name="XBRL_TS_73a5eac7181d4a46b14fac659"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(**)&#160;
Regardless of the billed period.</font></font><a name="XBRL_FS_4fbc59be199f4d3b81fe4886f_bclEnd"></a><a name="XBRL_TS_73a5eac7181d4a46b14fac659_bclEnd"></a><a name="XBRL_TS_cbac9c9b0f9742c9aa5de68f6_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_7e8715eba54a43e9b1b71544c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the year ended December 31, 2018, other
entities in the BBVA Group contracted other services (other than audits) as
follows:</font></font><a name="XBRL_TS_7e8715eba54a43e9b1b71544c_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_52_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other Services rendered (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td width=78% style="border:none;border-bottom:solid black 1.0pt;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=78% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Firms belonging to the KPMG worldwide organization</font></font></p>
  </td>
 <td width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.3</font></font></p>
  </td>
 <td width=11% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.5</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_07faab5264ad4164a6cd0b00e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This total of contracted services includes the
detail of the services provided by KPMG Auditores, S.L. to BBVA, S.A. or its
controlled companies at the date of preparation of these consolidated financial
statements as follows:</font></font><a name="XBRL_TS_07faab5264ad4164a6cd0b00e_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_52_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Fees for Audits Conducted (*) (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=78% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=78% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Legal audit of BBVA,S.A. or its companies under control</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.7</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6.8</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=78% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other audit services of BBVA, S.A. or its companies under control</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5.9</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5.0</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=78% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Limited Review of BBVA, S.A. or its companies under control</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1.1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.9</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=78% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Reports related to
  issuances</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.3</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.4</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=78% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Assurance jobs and other required by the regulator</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.9</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0.6</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=78% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:12.0pt;text-align:justify;text-indent:0cm;"><a name="XBRL_FS_3669cfd9137c4be5a629ece94"></a><a name="XBRL_TS_ef03ef54a6684b2b99f37193d"></a><a name="XBRL_TS_a25b131fa45b495e8c4d28ec1"></a><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160;
</font></font><font style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:8.0pt;line-height:115%;">Services provided by KPMG
Auditores, S.L. to companies located in Spain, to the branch of BBVA in New
York and to the branch of BBVA in London.</font></font><a name="XBRL_FS_3669cfd9137c4be5a629ece94_bclEnd"></a><a name="XBRL_TS_a25b131fa45b495e8c4d28ec1_bclEnd"></a><a name="XBRL_TS_ef03ef54a6684b2b99f37193d_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_42f53b5605fe47f6ab8370d35"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The services provided by the auditors meet the
independence requirements of the external auditor established under Audit of
Accounts Law (Law 22/2015) and under the Sarbanes-Oxley Act of 2002 adopted by
the Securities and Exchange Commission (SEC).</font></font><a name="XBRL_TS_42f53b5605fe47f6ab8370d35_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-237</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_241"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_225b93f2dd7f45be91267b6bb"></a><a name="_Toc106084"></a><a name="_Toc495478167"></a><a name="_Toc481589115"></a><a name="_Toc474142329"></a><a name="_Toc457490060"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">53.&#160;&#160; Related-party
transactions</font></b></font><a name="XBRL_TS_225b93f2dd7f45be91267b6bb_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_f3642d61f036418da880eada1"></a><a name="XBRL_CS_0451dbf39a074828b84136a52"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As financial institutions, BBVA and other
entities in the Group engage in transactions with related parties in the normal
course of their business. All of these transactions are not material and are
carried out under normal market conditions.</font></font><a name="XBRL_CS_0451dbf39a074828b84136a52_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> As of December 31, 2018,
2017 and 2016, the following are the transactions with related parties:</font></font><a name="XBRL_TS_f3642d61f036418da880eada1_bclEnd"></a></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_ae466aff3d4244e4b1a9eb866"></a><a name="_Toc106085"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">53.1&#160; Transactions with significant shareholders</font></b></font><a name="XBRL_TS_ae466aff3d4244e4b1a9eb866_bclEnd"></a></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_554e7374c06c4a26aaed32666"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016, there
were no shareholders considered significant (see Note 26).</font></font><a name="XBRL_TS_554e7374c06c4a26aaed32666_bclEnd"></a></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_593ac79b744946d0878fc523b"></a><a name="_Toc106086"></a><a name="_Toc474142331"></a><a name="_Toc376972428"></a><a name="_Toc376950020"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">53.2&#160; Transactions
with BBVA Group entities</font></b></font><a name="XBRL_TS_593ac79b744946d0878fc523b_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;"> &nbsp;</font></b></font></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_72580f35798c43109790a6279"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balances of the main aggregates in the
accompanying consolidated balance sheets arising from the transactions carried
out by the BBVA Group with associates and joint venture entities accounted for
using the equity method are as follows:</font></font><a name="XBRL_TS_72580f35798c43109790a6279_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_53_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Balances arising from transactions with Entities of the Group (Millions
  of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:35.25pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:35.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:35.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:35.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:35.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Assets:</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">132</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,866</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">510</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">442</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Liabilities:</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Deposits from credit
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Customer deposits</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">521</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">428</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">533</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt certificates </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Memorandum
  accounts:</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=67% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financial guarantees
  given</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=67% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Contingent
  commitments</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,358</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">114</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">121</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">152</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,175</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,466</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_3fc29a4cd4374d8587df2e917"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-238</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_242"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balances of
the main aggregates in the accompanying consolidated income statements
resulting from transactions with associates and joint venture entities that are
accounted for under the equity method are as follows:</font></font><a name="XBRL_TS_3fc29a4cd4374d8587df2e917_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_53_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Balances of Income Statement arising from transactions with Entities of
  the Group (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=67% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Income
  statement:</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financial incomes</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financial costs</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fee and Commission
  Income</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=67% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Fee and Commission
  Expenses</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><a name="XBRL_TS_4ce747248f93468caada0870d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">There were no other material
effects in the consolidated financial statements arising from dealings with
these entities, other than the effects from using the equity method (see Note
2.1) and from the insurance policies to cover pension or similar (see Note 25)
commitments and the futures transactions arranged by BBVA Group with these
entities, associates and joint ventures.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, as part of its normal activity, the BBVA Group has
entered into agreements and commitments of various types with shareholders of
subsidiaries and associates, which have no material effects on the accompanying
consolidated financial statements.</font></font><a name="XBRL_TS_4ce747248f93468caada0870d_bclEnd"></a></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_dfd31908a4b242bb99dd9f159"></a><a name="_Toc106087"></a><a name="_Toc474142332"></a><a name="_Toc376972429"></a><a name="_Toc376950021"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">53.3 Transactions
with members of the Board of Directors and Senior Management</font></b></font><a name="XBRL_TS_dfd31908a4b242bb99dd9f159_bclEnd"></a></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_2287a84b8c2c41b5bbb25eeb8"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The information on the remuneration of the
members of the BBVA Board of Directors and Senior Management is included in
Note 54.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">As of December
31, 2018, the amount availed against the loans granted by the Group&#8217;s entities
to the members of the Board of Directors amounted to &#8364;<a name="XBRL_CS_cc98891bcb7a4ebcb1adf9613"></a>611<a name="XBRL_CS_cc98891bcb7a4ebcb1adf9613_bclEnd"></a> thousand. As of December
31, 2017 and 2016, there were no loans granted by the Group&#8217;s entities to the
members of the Board of Directors. The amount availed against the loans granted
by the Group&#8217;s entities to the members of Senior Management on those same dates
(excluding the executive directors) amounted to &#8364;<a name="XBRL_CS_92325286786b4973b495a5828"></a>3,783<a name="XBRL_CS_92325286786b4973b495a5828_bclEnd"></a>, &#8364;<a name="XBRL_CS_5065ccdc3e6243a2a08a9b307"></a>4,049<a name="XBRL_CS_5065ccdc3e6243a2a08a9b307_bclEnd"></a> and &#8364;<a name="XBRL_CS_635ffd11448048b692cf0042a"></a>5,573<a name="XBRL_CS_635ffd11448048b692cf0042a_bclEnd"></a> thousand, respectively.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">As of December
31, 2018, 2017 and 2016, there were no loans granted to parties related to the
members of the Board of Directors. As of December 31, 2018, 2017 and 2016 the
amount availed against the loans granted to parties related to members of the
Senior Management amounted to &#8364;<a name="XBRL_CS_b4d72748361642b0bcf644daa"></a>69<a name="XBRL_CS_b4d72748361642b0bcf644daa_bclEnd"></a>, &#8364;<a name="XBRL_CS_dd60f0ecbfff4d8e98b8f93ef"></a>85<a name="XBRL_CS_dd60f0ecbfff4d8e98b8f93ef_bclEnd"></a> and &#8364;<a name="XBRL_CS_00ff970ae92c4ec88dd77548c"></a>98<a name="XBRL_CS_00ff970ae92c4ec88dd77548c_bclEnd"></a> thousand, respectively.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">As of December
31, 2018, 2017 and 2016 no guarantees had been granted to any member of the Board
of Directors.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">As of December
31, 2018, 2017 and 2016, the amount availed against guarantees arranged with
members of the Senior Management amounted to &#8364;<a name="XBRL_CS_99393ffbf8834d31816966678"></a>38<a name="XBRL_CS_99393ffbf8834d31816966678_bclEnd"></a>, &#8364;<a name="XBRL_CS_b369cf98ed014e99ab13df3b7"></a>28<a name="XBRL_CS_b369cf98ed014e99ab13df3b7_bclEnd"></a> and &#8364;<a name="XBRL_CS_53308b50a198431091649b61d"></a>28<a name="XBRL_CS_53308b50a198431091649b61d_bclEnd"></a> thousand, respectively.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, no
commercial loans and guarantees has been granted to parties related to the
members of the Bank&#8217;s Board of Directors and the Senior Management. As of
December 31, 2017 and 2016 the amount availed against commercial loans and
guarantees arranged with parties related to the members of the Bank&#8217;s Board of
Directors and the Senior Management totaled &#8364;<a name="XBRL_CS_41997e81e21043e7b5f66d435"></a><a name="XBRL_CS_7277c9e7d46e48eba2d0a4683"></a><a name="XBRL_CS_3c0ac2047a504f6fb6dd47689"></a>8<a name="XBRL_CS_3c0ac2047a504f6fb6dd47689_bclEnd"></a><a name="XBRL_CS_41997e81e21043e7b5f66d435_bclEnd"></a><a name="XBRL_CS_7277c9e7d46e48eba2d0a4683_bclEnd"></a> thousand</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font><a name="XBRL_TS_2287a84b8c2c41b5bbb25eeb8_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_81025160eb4d41d8a2286d41f"></a><a name="_Toc106088"></a><a name="_Toc474142333"></a><a name="_Toc376972430"></a><a name="_Toc376950022"></a></h2>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-239</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_243"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<h2 style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">53.4 &#160;Transactions with other related parties</font></b></font><a name="XBRL_TS_81025160eb4d41d8a2286d41f_bclEnd"></a></h2>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_c2bc8f50676644ce9fc37a5ee"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and 2016, the
Group did not conduct any transactions with other related parties that are not
in the ordinary course of its business, which were not carried out at
arm's-length market conditions and of marginal relevance; whose information is
not necessary to give a true picture of the BBVA Group&#8217;s consolidated net
equity, net earnings and financial situation.</font></font><a name="XBRL_TS_c2bc8f50676644ce9fc37a5ee_bclEnd"></a></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc376950025"></a><a name="_Toc347755892"></a><a name="_Toc331260354"></a><a name="_Toc299032912"></a><a name="_Toc299031573"></a><a name="_Toc299029493"></a><a name="_Toc298431756"></a><a name="XBRL_TS_38795f3b0d544a88b7123625b"></a><a name="_Toc106089"></a><a name="_Toc378810308"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">54.&#160;&#160; Remuneration and other benefits to the Board of Directors
and to the members of the Bank&#8217;s Senior Management</font></b></font><a name="XBRL_TS_38795f3b0d544a88b7123625b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_9cd14a4d54394e33a7385b421"></a><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Remuneration received by non-executive
directors during the 2018 financial year</font></b></font><a name="XBRL_TS_9cd14a4d54394e33a7385b421_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_14cc8f6522124dedbf3af7638"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The remunerations paid to non-executive members
of the Board of Directors during the 2018 financial year are indicated below, individually
and itemized:</font></font><a name="XBRL_TS_14cc8f6522124dedbf3af7638_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_54_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Remuneration for non-executive directors (thousands of euro)</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Board of Directors</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Executive
  Committee</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Audit and
  Compliance Committee</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Risk
  Committee</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Remunerations
  Committee&#160; </font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Appointments
  Committee </font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Technology
  and&#160; Cybersecurity Committee</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Tom&#225;s Alfaro Drake</font></font></p>
  </td>
 <td width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">258</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Jos&#233; Miguel Andr&#233;s
  Torrecillas </font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">179</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">485</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Jaime F&#233;lix Caruana
  Lacorte (1)</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">237</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Bel&#233;n Garijo L&#243;pez</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">328</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Sunir Kumar Kapoor </font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">172</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Carlos Loring
  Mart&#237;nez de Irujo</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">167</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">445</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Lourdes M&#225;iz Carro</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">284</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Jos&#233; Maldonado Ramos</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">167</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">390</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Ana Peralta Moreno
  (1)</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">86</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">36</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">143</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Juan Pi Llorens</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">214</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">457</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Susana Rodr&#237;guez
  Vidarte </font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">167</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">443</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Jan Verplancke (1)</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">132</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=15% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total (2)</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,427</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">584</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">446</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">642</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">257</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">239</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">179</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,773</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_1b7c987b6cb34f3589af4a72f"></a><a name="XBRL_FS_6277f4398df648a3b90b0789b"></a><a name="XBRL_FS_27a20de4db6d4e0185cf42067"></a><a name="XBRL_FS_55b5fccad01a416680b8adad6"></a><a name="XBRL_TS_89297d9ef1e44b2aaf741bba4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)&#160; Directors appointed by
the General Meeting held on 16 March 2018.</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">This
includes the remunerations paid for membership of the various Board Committees
throughout the 2018 financial year.</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">The composition of these Committees
was modified on 27 June 2018.</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Remunerations paid in accordance with the date of acceptance of
said appointment.</font></font><a name="XBRL_FS_27a20de4db6d4e0185cf42067_bclEnd"></a><a name="XBRL_FS_55b5fccad01a416680b8adad6_bclEnd"></a><a name="XBRL_FS_6277f4398df648a3b90b0789b_bclEnd"></a><a name="XBRL_TS_89297d9ef1e44b2aaf741bba4_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_FS_2dabf06782164373ac9e2a796"></a><a name="XBRL_TS_fd6cb56d75aa45e1b4e22909c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(2)&#160; In addition, Jos&#233;
Antonio Fern&#225;ndez Rivero, who stepped down as director on 16 March 2018,
received a total of &#8364;95 thousand in 2018, for his membership of the Board and
of a number of Board Committees.</font></font><a name="XBRL_FS_2dabf06782164373ac9e2a796_bclEnd"></a><a name="XBRL_TS_1b7c987b6cb34f3589af4a72f_bclEnd"></a><a name="XBRL_TS_fd6cb56d75aa45e1b4e22909c_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_a319bdadf451493ebafa39bbb"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Also, during the 2018 financial year, &#8364;107
thousand has been paid out in casualty and healthcare insurance premiums for
non-executive members of the Board of Directors.</font></font><a name="XBRL_TS_a319bdadf451493ebafa39bbb_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_9f0395b16d82443f9e64a97e3"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-240</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_244"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Remuneration
received by executive directors during the 2018 financial year</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Over the course of financial year 2018, the
executive directors have received the amount of the Annual Fixed Remuneration
corresponding to said financial year, established in the Remuneration Policy
for BBVA Directors applicable in 2018, which was approved by the General
Meeting held on 17 March 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In addition, the executive directors have
received the Annual Variable Remuneration for 2017 financial year, which, in
accordance with the settlement and payment system set out in said Policy, was
due to be paid to them during the first quarter of financial year 2018.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In application of this settlement and payment
system:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:39.3pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">40% of the 2017 Annual Variable Remuneration corresponding to
executive directors has been paid, having the conditions been met, in the first
quarter of financial year 2018 (hereinafter, the &quot;Upfront Portion&quot;),
in equal parts in cash and in shares. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:39.3pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The remaining 60% of the Annual Variable Remuneration, both in
cash and in shares, has been deferred in its entirety for a period of five
years, and its accrual and payment will be subject to compliance with a series
of multi-year indicators (hereinafter, the &quot;Deferred Portion&quot;). The
application of these indicators, calculated over the first three years of
deferral, may lead to a reduction of the Deferred Portion, even in its
entirety, but in no event may be increased. Provided that the relevant
conditions have been met, the resulting amount will then be paid (40% in cash
and 60% in shares), according to the following schedule: 60% in 2021, 20% in
2022 and the remaining 20% in 2023.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:39.3pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">All the shares delivered to the executive directors as Annual
Variable Remuneration, both of the Upfront Portion and the Deferred Portion
will be withheld for a period of one year after their delivery; this will not
apply to those shares transferred to honor the payment of taxes arising
therefrom.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:39.3pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The Deferred Portion of the Annual Variable Remuneration in cash
will be subject to updating under the terms established by the Board of
Directors.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:39.3pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Executive directors may not use personal hedging strategies or
insurance in connection with the remuneration and responsibility that may
undermine the effects of alignment with prudent risk management.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:39.3pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The variable component of the remuneration for executive directors
corresponding financial year 2017 is limited to a maximum amount of 200% of the
fixed component of the total remuneration, as agreed by the General Meeting.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:39.3pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:115%;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Over the entire deferral and withholding period, the entire Annual
Variable Remuneration for the executive directors will be subject to reduction
and recovery (&quot;malus&quot; and &quot;clawback&quot;) arrangements.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-241</font></font></p>


</DIV>
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<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Additionally, upon receipt of the shares, executive directors will
not be allowed to transfer a number of shares equivalent to twice their Annual
Fixed Remuneration (AFR) for at least three years after their delivery.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Similarly, in
application of the settlement and payment system of the annual variable
remuneration for 2014 financial year, in accordance with the remuneration
policy applicable at that time, the executive directors have received in 2018
the last third of the deferred annual variable remuneration for 2014 financial
year, delivery of which corresponded in 2018, thus concluding payment of the
deferred variable remuneration for 2014.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">In accordance
with the above, the remunerations paid to executive directors during financial
year 2018 are indicated below, individually and itemized:</font></font><a name="XBRL_TS_9f0395b16d82443f9e64a97e3_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_54_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Annual Fixed Remuneration (thousands of euro), received in 2018</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=89% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=89% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Carlos Torres Vila</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,965</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=89% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Jos&#233; Manuel
  Gonz&#225;lez-P&#225;ramo Mart&#237;nez-Murillo</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">834</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=89% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,799</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_54_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:17.25pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Variable remuneration for financial year 2017, received in 2018</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=78% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">In cash (1)</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(thousands of euro)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">In shares (1)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=78% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Carlos Torres Vila</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">562</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">77,493</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=78% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Jos&#233; Manuel
  Gonz&#225;lez-P&#225;ramo Mart&#237;nez-Murillo</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">87</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12,029</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=78% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">649</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">89,522</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_FS_bd47f51926bc4fe8a05504610"></a><a name="XBRL_FS_7bcb84966c8d46a5bb663230b"></a><a name="XBRL_TS_8e2a8d0dbfa5410f86054cb10"></a><a name="XBRL_TS_e0d7959d56df4ec287ee59edd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(1)&#160;
Remunerations corresponding to the Upfront Portion (40%) of the Annual Variable
Remuneration for financial year 2017, 50% in cash and 50% in shares.</font></font><a name="XBRL_FS_7bcb84966c8d46a5bb663230b_bclEnd"></a><a name="XBRL_FS_bd47f51926bc4fe8a05504610_bclEnd"></a><a name="XBRL_TS_8e2a8d0dbfa5410f86054cb10_bclEnd"></a><a name="XBRL_TS_e0d7959d56df4ec287ee59edd_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_54_004_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:18.0pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Deferred variable remuneration for financial year 2014, received in
  2018</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=78% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">In cash (1)</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(thousands of euro)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">In shares (1)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=78% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Carlos Torres Vila</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">105</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,766</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=78% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Jos&#233; Manuel
  Gonz&#225;lez-P&#225;ramo Mart&#237;nez-Murillo</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,678</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=78% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">137</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,444</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_7333068db2a1488e95f6a498e"></a><a name="XBRL_TS_871a1e9faf0b43b8a4bd7411a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(1)&#160;
Remunerations corresponding to the last third of the deferred annual variable
remuneration for financial year 2014, 50% in cash and 50% in shares, along with
its update in cash.</font></font><a name="XBRL_TS_7333068db2a1488e95f6a498e_bclEnd"></a><a name="XBRL_TS_871a1e9faf0b43b8a4bd7411a_bclEnd"></a></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_c88d690f70b941b0ad35bc32a"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">In addition, the executive directors received
remuneration in kind throughout financial year 2018, including insurance
premiums and others, amounting to a total of &#8364;</font></font><a name="XBRL_CS_40560ea07b904bc1a67cce5da"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">236</font></font><a name="XBRL_CS_40560ea07b904bc1a67cce5da_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> thousand, of which &#8364;<a name="XBRL_CS_045c2ea39ef044c8bbecb5341"></a>154<a name="XBRL_CS_045c2ea39ef044c8bbecb5341_bclEnd"></a> thousand correspond to
Carlos Torres Vila and &#8364;<a name="XBRL_CS_8944bd6b9592453d8f5239fe1"></a>82<a name="XBRL_CS_8944bd6b9592453d8f5239fe1_bclEnd"></a> thousand to Jos&#233; Manuel Gonz&#225;lez-P&#225;ramo
Mart&#237;nez-Murillo. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_645a28f0096c448c895276484"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Former Group Executive Chairman, Francisco
Gonz&#225;lez Rodr&#237;guez, who stepped down from this position with effect on 21
December 2018, received, during 2018, &#8364;2,475 thousand as Annual Fixed
Remuneration; &#8364;660 thousand and 90,933 BBVA shares corresponding to 40% of the
Annual Variable Remuneration for financial year 2017; and &#8364;332 thousand and
37,390 BBVA shares as settlement of the last third of the deferred variable
remuneration for financial year 2014, payment of which corresponded in first
quarter of financial year 2018, including the corresponding update; as well as
&#8364;20 thousand as remuneration in kind.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-242</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_246"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">On the other hand, it is indicated that in 2018, CEO Onur Gen&#231;&#8212;who
was appointed by resolution of BBVA's Board of Directors on 20 December 2018&#8212;
has not received any remuneration for said role in 2018, having received fixed
and variable remuneration in accordance with his previous position as Chairman
and CEO of BBVA Compass, this remuneration being subject to the settlement and
payment system applicable to said position. Thus, over the course of the
financial year 2018, he has received &#8364;2,240</font><sup><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">(*)</font></sup><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> thousand as Annual Fixed Remuneration; &#8364;191</font><sup><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">(*)</font></sup><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> thousand and </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">26,531 </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">BBVA</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> ADSs</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> corresponding to
40% of the Annual Variable Remuneration for financial year 2017; and &#8364;376
thousand as remuneration in kind, which includes benefits for his expatriate
status in the United States.</font></font><a name="XBRL_TS_645a28f0096c448c895276484_bclEnd"></a><a name="XBRL_TS_c88d690f70b941b0ad35bc32a_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_9aabc81bdb784870970aa85c2"></a><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:9.0pt;line-height:normal;">(*)
&#160;Amounts paid in US Dollars. Euro details are for information purposes.</font></font><a name="XBRL_TS_9aabc81bdb784870970aa85c2_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_TS_3f86778d96014e08a2afc6fd5"></a><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=#006EC1 face=Arial,sans-serif style="border:none;"><b><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Annual Variable Remuneration for executive directors
for financial year</font></b></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> </font><b><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">2018 &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_bc9d2f53300f4f6eacae0a265"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Following year-end 2018, the Annual Variable
Remuneration for executive directors corresponding to said period has been
determined, applying the conditions established at the beginning of the year,
as established in the Remuneration Policy for BBVA Directors approved by the
General Meeting on 17 March 2017 with the following settlement and payment
system:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-14.2pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The Upfront Portion (40%) of the Annual Variable Remuneration of
the executive directors for 2018 will be paid, if conditions are met, in equal
parts in cash and shares, during the first quarter of 2019, which amounts to
&#8364;479 thousand and 100,436 BBVA shares in the case of Carlos Torres Vila; and
&#8364;79 thousand and 16,641 BBVA shares in the case of Jos&#233; Manuel Gonz&#225;lez-P&#225;ramo
Mart&#237;nez-Murillo.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-14.2pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The Deferred Portion (60%) remaining will be deferred for a
five-year period, subject to compliance with the multi-year performance
indicators determined by the Board of Directors at the start of financial year
2018, calculated over the first three-year deferral period. Provided that the
conditions are met, the resulting amount will vest (40% in cash and 60% in
shares), under the following schedule: 60% after the third year of deferral,
20% after the fourth year of deferral and the remaining 20% after the fifth
year of deferral. All the above is subject to the settlement and payment system
conditions set out in the Remuneration Policy for BBVA Directors, which
includes malus and clawback arrangements and retention periods for shares.</font></font><a name="XBRL_TS_bc9d2f53300f4f6eacae0a265_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_e012ea64955e4fcda2c54dc25"></a><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">As regards former
Group Executive Chairman,</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> Francisco Gonz&#225;lez Rodr&#237;guez,</font><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> </font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">his Annual Variable Remuneration for 2018 has been determined. This
Annual Variable Remuneration for 2018 will be received, provided that
conditions are met, in accordance with the same settlement and payment system
applicable to executive directors</font><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> which includes deferral rules, malus
and clawback arrangements and retention periods for shares</font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">.</font><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> </font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">Thus,</font><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> </font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">the
Upfront Portion (40%) has been determined in</font><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">: &#8364;528 thousand and 110,814 BBVA
shares. Accrual and payment of the Deferred Portion (remaining 60%), 40% in
cash and 60% in shares, will be subject to compliance with multi-year
performance indicators approved by the Board of Directors. All the above is
subject to the conditions of the settlement and payment system established in
the Remuneration Policy for BBVA Directors, which includes malus and clawback
arrangements and withholding periods for shares.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">As regards CEO Onur Gen&#231; and as aforementioned, his Annual
Variable Remuneration for financial year 2018 is linked to his previous
position as Chairman and CEO of BBVA Compass and has been determined in
accordance with the settlement and payment system applicable for such position.</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> </font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">Thus, providing that applicable conditions
are met, 40% of Annual Variable Remuneration for 2018 will be paid in the first
quarter of 2019, amounting to a total of &#8364;196 thousand<sup>(*)</sup> and 41,267
BBVA shares.</font><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> </font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">Accrual and
payment of the remaining 60% of the Annual Variable Remuneration for financial
year 2018, 50% in cash and 50% in shares, will be deferred for a three-year
period and will be subject to compliance with multi-year performance indicators
set by the Board of Directors for the whole Identified Staff at the beginning
of 2018 and measured over the course of the three-year period.</font></font><a name="XBRL_TS_e012ea64955e4fcda2c54dc25_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:9.0pt;line-height:normal;">(*)&#160; Euro details are for information purposes.
Year-end 2018 exchange rate applied: EUR/USD 1,145001.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">At the time of drafting of these consolidated Annual Accounts
none of these remunerations have been paid.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The amounts corresponding to deferred shares is detailed in the
section &quot;Remuneration based on Capital/Equity Instruments&quot; and the
cash part in &quot;Other Liabilities/Other Accruals&quot; in the consolidated
balance sheet at 31 December 2018.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-14.2pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=#006EC1 face=Arial,sans-serif style="border:none;"><b><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Deferred
Annual Variable Remuneration of executive directors for financial year</font></b></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> </font><b><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">2015&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_7b1e3733fe174f5ebe90d7f05"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Following year-end 2018, the deferred Annual
Variable Remuneration of executive directors for financial year 2015 has been
determined, with</font><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> </font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">delivery, if
conditions are met, corresponding during the first quarter of financial year
2019, </font><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">subject to the conditions established for this purpose in the
Remuneration Policy for BBVA Directors approved by the General Meeting on 13
March 2015. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">Thus, based on the result of each of the multi-year
performance indicators set by the Board in 2015 to calculate the deferred
portion of this remuneration, and in application of the corresponding scales of
achievement and their corresponding targets and weightings, likewise approved
by the Board, the deferred portion of the </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Annual Variable Remuneration
for financial year 2015 </font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">has been
adjusted downwards as a consequence of result of the TSR indicator, which scale
has determined a 10% reduction in the deferred amount associated to this
indicator. The final amount of the deferred portion of the Annual Variable
Remuneration for financial year 2015, after the corresponding adjustment in
light of the result of the TSR indicator, has been determined in an amount of
&#8364;612 thousand and 79,157 BBVA shares, in the case of Carlos Torres Vila, and
&#8364;113 thousand and 14,667 BBVA shares in the case of Jos&#233; Manuel Gonz&#225;lez-P&#225;ramo
Mart&#237;nez-Murillo, which includes the corresponding updating.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">As regards the former Group Executive Chairman, Francisco
Gonz&#225;lez Rodr&#237;guez, his deferred Annual Variable Remuneration for financial
year 2015 has been determined, to be received, providing that conditions are
met, in accordance with the same settlement and payment system applicable to
executive directors, amounting to a total of &#8364;1,035 thousand and 133,947 BBVA
shares, which includes the corresponding updating.</font></font><a name="XBRL_TS_7b1e3733fe174f5ebe90d7f05_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">At the time of drafting of these consolidated Annual Accounts
none of these remunerations have been paid.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">Lastly, as at year-end 2018 and in accordance with the
conditions established in the remuneration policies applicable in the
corresponding years, 50% and 60% of the annual variable remuneration of the
executive directors corresponding to 2016 and 2017 financial years,
respectively, has been deferred, to be received in future years, if applicable
conditions are met, in accordance with the terms established in the </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">remuneration
policy applicable for each of such financial years</font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:6.0pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-indent:-18.0pt;"><font color=#5B9BD5 face=Arial,sans-serif style="border:none;"><b><font color=#5B9BD5 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Remuneration
received by the members of Senior Management in the 2018 financial year</font></b></font><font color=#5B9BD5 face=Arial,sans-serif style="border:none;"><font color=#5B9BD5 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The members of
Senior Management, excluding executive directors, who held that position as at
20 December 2018(*) (15 members) have, over the course of the 2018 financial
year, received the amount of the fixed remuneration corresponding to that
financial year and the Annual Variable Remuneration for the 2017 financial
year, which, in accordance with the settlement and payment system set out in
the remuneration policy applicable to Senior Management in this financial year,
was due to be paid to them during the first quarter of 2018. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">In application of
this settlement and payment system:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">40% of the Annual Variable Remuneration due to members of the
Senior Management for the 2017 financial year, 40% has been paid, as the
conditions have been met, in the first quarter of the 2018 financial year (the
&quot;Upfront Portion&quot;), in equal parts in cash and in shares. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The remaining 60% of the Annual Variable Remuneration, in both
cash and shares, has been deferred in its entirety for a period of five years,
and its accrual and payment will be subject to compliance with a series of
multi-year indicators (the &quot;Deferred Portion&quot;). The application of
these indicators, calculated over the first three years of deferral, may lead
to a reduction of the Deferred Portion, even in its entirety, but in no event
may be increased. Provided that the relevant conditions have been met, the
resulting amount will then be paid (40% in cash and 60% in shares), according
to the following payment schedule: 60% in 2021, 20% in 2022 and the remaining
20% in 2023.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The shares received as Annual Variable Remuneration will be
withheld for a period of one year after their delivery, with the exception of
those transferred to honor the payment of taxes arising from their delivery.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The deferred portion of the Annual Variable Remuneration in cash
will be subject to updating under the terms established by the Board of
Directors.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">No personal hedging strategies or insurance may be used in connection
with the remuneration and the responsibility that may undermine the effects of
alignment with prudent risk management.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The variable component of the remuneration corresponding to the
financial year 2017 will be limited to a maximum amount of 200% of the fixed
component of the total remuneration, as agreed by the General Meeting.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Over the entire deferral and withholding period, the total Annual
Variable Remuneration will be subject to variable &quot;malus&quot; and
&quot;clawback&quot; arrangements.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Similarly, in
application of the settlement and payment system of the annual variable
remuneration for 2014 financial year, in accordance with the remuneration
policy applicable at that time, the Senior Management who were beneficiaries of
such remuneration, have received the deferred last third of the annual variable
remuneration for that financial year, which delivery corresponded to the first
quarter of 2018, thus concluding payment of the deferred variable remuneration
for the 2014 financial year.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">(*)
Date of the Board of Directors&#8217; resolution by which organizational changes were
approved in the Group.</font></font><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">In accordance with the above, the remuneration paid to members of
the Senior Management as a whole, who held that position as at 20 December
2018, excluding executive directors, during the 2018 financial year is
indicated below (itemized):</font></font><a name="XBRL_TS_3f86778d96014e08a2afc6fd5_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_54_009_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Annual Fixed Remuneration (thousands of euro) received in 2018</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=75% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=25% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=75% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Senior Management
  total</font></font></p>
  </td>
 <td nowrap width=25% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,129</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_54_006_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:17.25pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Annual Variable Remuneration for the 2017 financial year, received in
  2018 </font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=60% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">In cash</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(thousands of euro)</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">In shares</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=60% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Senior Management
  total</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,489</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">205,104</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_54_007_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:18.0pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Deferred variable remuneration for the 2014 financial year, received in
  2018</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=60% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">In cash</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(thousands of euro)</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">In shares</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=60% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Senior Management
  total</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">573</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64,853</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_1a62b819a1de44c3af9cac249"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">In addition, all members of Senior Management
who held that position as at 20 December 2018, excluding executive directors,
received remuneration in kind throughout the 2018 financial year, including
insurance premiums and others, amounting to a total of &#8364;875 thousand. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">At the year-end
2018 and subject to the conditions established in the remuneration policies
applicable to the corresponding year for, components of the annual variable
remuneration of members of the Senior Management who were beneficiaries of
remunerations for the 2016 and 2017 financial years, are deferred to be
received in future years, if conditions are met, in accordance with the policy
applicable for each of such financial years.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">As regards of
those members of the Senior Management who were appointed by resolution of
BBVA's Board of Directors on 20 December 2018 (5 members) have not received any
remuneration for such condition, having received fixed and variable
remuneration in line with their former positions and functions amounting in
aggregate &#8364;1,757 thousand as Annual Fixed Remuneration; &#8364;337 thousand and
24,293 BBVA shares for Upfront Portion of the Annual Variable Remuneration for
the 2017 financial year; and &#8364;33 thousand and 3,684 BBVA shares as settlement
of the deferred last third of the Annual Variable Remuneration for the 2014
financial year to the Senior Management who were beneficiaries of such
remuneration, including the corresponding update, as well as remuneration in
kind and others for an amount of &#8364;158 thousand, all in application of the
remuneration policy to which they were entitled in their condition as risk
taker.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-14.2pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=#006EC1 face=Arial,sans-serif style="border:none;"><b><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Annual Variable Remuneration for Senior Management
for financial year 2018 </font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Following
year-end 2018, the Annual Variable Remuneration of Senior Management
corresponding to said period has been determined, excluding executive
directors, who held that position as at 20 December 2018 (15 members)</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Therefore, the
2018 Annual Variable Remuneration to all of the Senior Management, excluding
executive directors, has been determined in a total amount of &#8364;7,074 thousand, </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">in application of
the settlement and payment system</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> for this group. T</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">he 40% of the Annual
Variable Remuneration corresponding to each of will be paid, providing the
conditions are met, in equal parts in cash and in shares, during the first
quarter of 2019. The remaining 60% of the Annual Variable Remuneration (40% in
cash and 60% in shares) will be subject to compliance with a series of
multi-year indicators and to the rest of the settlement and payment system conditions
set out in the remuneration policy applicable to Senior Management, which
includes malus and clawback arrangements and retention periods for shares</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">As regards </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">those members of
the Senior Management who were appointed by resolution of BBVA's Board of
Directors on 20 December 2018 (5 members)</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">, their Annual Variable
Remuneration for the 2018 year-end has been calculated in line </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">with their former
positions and functions</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">, </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">amounting in aggregate &#8364;633 thousand</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">, </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">being subject to the
conditions set out in the remuneration policy to which they were entitled in
their condition as risk taker</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">At the time of drafting of these consolidated Annual Accounts
none of these remunerations have been paid.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-14.2pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=#006EC1 face=Arial,sans-serif style="border:none;"><b><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Deferred
Annual Variable Remuneration of Senior Management for financial year</font></b></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> </font><b><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">2015&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Following
year-end 2018, the deferred Annual Variable Remuneration of Senior Management </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">for financial
year 2015 has been determined</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">, excluding executive directors, who held that position as at 20
December 2018 (15 members). </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">Thus, based on the result of each of the multi-year
performance indicators set by the Board in 2015 to calculate the deferred
portion of this remuneration, and in application of the corresponding scales of
achievement and their corresponding targets and weightings, likewise approved
by the Board, the deferred portion of the </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Annual Variable Remuneration
for financial year 2015 </font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">has been
adjusted downwards as a consequence of result of the TSR indicator, which scale
has determined a 10% reduction in the deferred amount associated to this
indicator. The final amount of the deferred portion of the Annual Variable
Remuneration for financial year 2015 to be paid to Senior Management
beneficiaries of such remuneration, if applicable conditions are met, after the
corresponding adjustment in light of the result of the TSR indicator, has been
determined in an amount of &#8364;2,936 thousand and 382,407 BBVA shares, which
includes the corresponding updating.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">As regards </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">those members of
the Senior Management who were appointed by resolution of BBVA's Board of
Directors on 20 December 2018 (5 members)</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> that were entitled to such
deferred remuneration, their </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Annual Variable Remuneration for financial year 2015 </font><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">has been</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> calculated in line </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">with their former
positions and functions, amounting in aggregate &#8364;110 thousand</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> and 14,203 BBVA
shares, </font></font><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">which includes the corresponding
updating</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> and </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">being subject to the conditions set out in the remuneration policy
to which they were entitled in their condition as a Group's</font><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> </font></i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">risk takers</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=black face=Arial,sans-serif style="background:white;border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="background:white;font-size:10.0pt;line-height:normal;">At the time of drafting of these consolidated Annual Accounts
none of these remunerations have been paid.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-247</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_251"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:21.3pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-14.2pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font color=#006EC1 face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Remuneration system with deferred delivery of shares
for non-executive directors</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">BBVA has a
remuneration system in shares with deferred delivery for its non-executive
directors, which was approved by the General Shareholders' Meeting held on 18
March 2006 and extended by resolutions of the General Shareholders' Meetings
held on 11&nbsp;March 2011 and 11&nbsp;March 2016 for an additional period of
five years in each case.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">This system
involves the annual allocation to non-executive directors of a number of
&quot;theoretical shares&quot; of BBVA equivalent to 20% of the total
remuneration received in cash received by each director in the previous
financial year. This is calculated according to the average closing prices of
BBVA shares during the 60&nbsp;trading sessions prior to the dates of the
Annual General Shareholders' Meetings that approve the corresponding financial
statements for each financial year.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">These shares will
be delivered to each beneficiary, where applicable, after they leave their
positions as directors for reasons other than serious breach of their duties.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The &quot;theoretical
shares&quot; allocated in 2018 to each non-executive director beneficiaries of
the remuneration system in shares with deferred delivery, corresponding to 20%
of the total remuneration in cash received by each of them in 2017, are as follows:</font></font><a name="XBRL_TS_1a62b819a1de44c3af9cac249_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_54_008_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:40.5pt;">
  <td width=56% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=22% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Theoretical
  shares allocated in 2018</font></b></font></p>
  </td>
 <td width=22% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Theoretical shares accumulated as at 31 December 2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Tom&#225;s Alfaro Drake</font></font></p>
  </td>
 <td nowrap width=22% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,367</font></font></p>
  </td>
 <td nowrap width=22% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">83,449</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Jos&#233; Miguel Andr&#233;s
  Torrecillas</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,755</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,565</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Bel&#233;n Garijo L&#243;pez</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,865</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,641</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Sunir Kumar Kapoor</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,811</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,976</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Carlos Loring
  Mart&#237;nez de Irujo</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,985</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98,876</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Lourdes M&#225;iz Carro</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,454</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,160</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Jos&#233; Maldonado Ramos</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,176</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78,995</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Juan Pi Llorens</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,562</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,171</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Susana Rodr&#237;guez
  Vidarte</font></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,425</font></font></p>
  </td>
 <td nowrap width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">104,983</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total (1)</font></b></font></p>
  </td>
 <td nowrap width=22% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90,400</font></b></font></p>
  </td>
 <td nowrap width=22% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">523,816</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_FS_beb76611fc0741ef896d7a708"></a><a name="XBRL_TS_1169a843e6084c288b8267b75"></a><a name="XBRL_TS_e10a4f47cd394c66a71115078"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">(1)&#160; In addition, in 2018,
10,188 &quot;theoretical shares&quot; were allocated to Jos&#233; Antonio Fern&#225;ndez
Rivero, who stepped down as a director on 16&nbsp;March 2018.</font></font><a name="XBRL_FS_beb76611fc0741ef896d7a708_bclEnd"></a><a name="XBRL_TS_1169a843e6084c288b8267b75_bclEnd"></a><a name="XBRL_TS_e10a4f47cd394c66a71115078_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:21.3pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-14.2pt;"><a name="XBRL_TS_fe622e83a6b440ec9b9a646a8"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-248</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:21.3pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-14.2pt;"><font color=#0070C0 face=Symbol style="border:none;"><font color=#0070C0 face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=#0070C0 face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=#006EC1 face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Pension
commitments</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">At the end of the 2018
financial year, the Bank has pension commitments in favor of the executive
directors Carlos Torres Vila and Jos&#233; Manuel Gonz&#225;lez-P&#225;ramo Mart&#237;nez-Murillo
to cover contingencies for retirement, disability and death, in accordance with
the Bylaws, the Remuneration Policy for BBVA Directors and their respective
contracts entered into with the Bank.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With regard to Carlos Torres
Vila, the Remuneration Policy for BBVA Directors provides for a benefits
framework according to which he is entitled, provided that he does not leave
his position as Chief Executive Officer due to serious breach of duties, to
receive a retirement pension when he reaches the legally established retirement
age, in the form of capital or income. The amount of this pension shall result
from the funds accumulated by the Bank up to December 2016 to cover the
commitments under his previous benefits scheme, plus the sum of the annual
contributions made by the Bank from 1&nbsp;January 2017 to cover said pension,
as well as the corresponding accumulated yields. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amount set out in the
Remuneration Policy for BBVA Directors as annual contribution to cover
retirement benefit under the defined-contribution scheme for Carlos Torres Vila
is &#8364;1,642 thousand. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">15% of the aforementioned
agreed annual contribution will be based on variable components and considered
&quot;discretionary pension benefits&quot;, therefore subject to the conditions
regarding delivery in shares, retention and clawback established in the
applicable regulations, as well as any other conditions concerning variable
remuneration that may be applicable in accordance with this Policy.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Should the contractual
relationship be terminated before he reaches the retirement age for reasons
other than serious breach of duties, the retirement pension due to Carlos
Torres Vila upon reaching the legally established retirement age will be
calculated based on the total contributions made by the Bank under the terms
set out, up to that date, plus the corresponding accumulated yield, with no
additional contributions to be made by the Bank from the time of termination.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With respect to the
commitments to cover the contingencies for death and disability benefits for
Carlos Torres Vila, the Bank will undertake the payment of the corresponding
annual insurance premiums in order to top up the coverage the death and
disability contingencies of his benefits system.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In line with the above, during the 2018
financial year, &#8364;1,896 thousand has been recorded to meet the benefits
commitments for Carlos Torres Vila, amount which includes the contribution to
the retirement contingency (&#8364;1,642 thousand) and to death and disability (&#8364;212
thousand), as well as &#8364;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">42 thousand corresponding to the adjustments made to the amount of
</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&quot;discretionary
pension benefits&quot; from 2017, as declared at 2017 year-end and which had to
be recorded in the accumulated fund in 2018. As a result, the total accumulated
amount of the fund to meet retirement commitments with Carlos Torres Vila
amounts to &#8364;18,581 thousand as at 31 December 2018. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">15% of the agreed annual
contribution to retirement (&#8364;246 thousand) has been recognized in 2018 as
&quot;discretionary pension benefits&quot;. Following year-end 2018, this
amount has been adjusted according to the criteria established to determine
Carlos Torres Vila's Annual Variable Remuneration for 2018. Accordingly, the &quot;discretionary
pension benefits&quot; for the financial year have been determined in an amount
of &#8364;245 thousand, which will be included in the accumulated fund for 2019,
subject to the same conditions as the Deferred Component of Annual Variable
Remuneration for 2018, as well as the remaining conditions established for
these benefits in the Remuneration Policy for BBVA Directors. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In the case of
Jos&#233;&nbsp;Manuel Gonz&#225;lez-P&#225;ramo Mart&#237;nez-Murillo, the pension system provided
for in the Remuneration Policy for BBVA Directors establishes an annual
contribution of 30% of his Annual Fixed Remuneration, to cover the contingency
of his retirement, as well as the payment of the corresponding insurance
premiums in order to top up the coverage of death and disability.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-249</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">15% of the
aforementioned agreed annual contribution will be based on variable components
and considered &quot;discretionary pension benefits&quot;, therefore subject to
the conditions regarding delivery in shares, retention and clawback established
in the applicable regulations, as well as any other conditions concerning
variable remuneration that may be applicable in accordance with this Policy.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Jos&#233; Manuel Gonz&#225;lez-P&#225;ramo
Mart&#237;nez-Murillo, upon reaching retirement age, will be entitled to receive, in
the form of capital or income, the benefits arising from contributions made by
the Bank to cover pension commitments, plus the corresponding yield accumulated
up to that date, provided he does not leave his position due to serious breach
of duties. In the event of voluntary termination of contractual relationship by
the director before retirement, the benefits will be limited to 50% of the
contributions made by the Bank up to that date, as well as the corresponding
accumulated yield, with no additional contributions to be made by the Bank upon
termination. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">With respect to the
commitments to cover the contingencies for death and disability benefits for </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Jos&#233; Manuel Gonz&#225;lez-P&#225;ramo
Mart&#237;nez-Murillo</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">, the Bank will undertake the payment of the corresponding annual
insurance premiums in order to top up the coverage the death and disability
contingencies of his benefits system.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In line with the above,
during the 2018 financial year, &#8364;405 thousand has been recorded to meet the
benefits commitments for Jos&#233; Manuel Gonz&#225;lez-P&#225;ramo Mart&#237;nez-Murillo, amount
which includes the contribution to the retirement contingency (&#8364;250 thousand)
and to death and disability (&#8364;147 thousand), as well as &#8364;8 thousand
corresponding to the adjustments made to the amount of &quot;discretionary
pension benefits&quot; from 2017, as declared at 2017 year-end and which had to
be recorded in the accumulated fund in 2018. As a result, the total accumulated
amount of the fund to meet retirement commitments with Jos&#233; Manuel
Gonz&#225;lez-P&#225;ramo amounts to &#8364;1,067 thousand as at 31 December 2018. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">15% of the agreed annual
contribution to retirement (&#8364;38 thousand) has been recognized in 2018 as
&quot;discretionary pension benefits&quot;. Following year-end 2018, this
amount has been adjusted according to the criteria established to determine </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Jos&#233; </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Manuel Gonz&#225;lez-P&#225;ramo
Mart&#237;nez-Murillo&#8217;s Annual Variable Remuneration for 2018. Accordingly, the
&quot;discretionary pension benefits&quot; for the financial year have been
determined in an amount of &#8364;42 thousand, which will be included in the
accumulated fund for 2019, subject to the same conditions as the Deferred
Component of Annual Variable Remuneration for 2018, as well as the remaining
conditions established for these benefits in the Remuneration Policy for BBVA
Directors. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of 31 December 2018 there
are no other pension commitments undertaken in favor of other executive
directors. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Likewise, during the 2018
financial year, &#8364;4,754 thousand has been recorded to meet the benefits
commitments undertaken with members of the Senior Management, excluding
executive directors, who held said position as at 20 December 2018 (15
members), amount which includes the contribution to the retirement contingency
(&#8364;3,883 thousand) and to death and disability (&#8364;831 thousand), as well as &#8364;40
thousand corresponding to the adjustments made to the amount of
&quot;discretionary pension benefits&quot; from 2017, as declared at 2017
year-end and which had to be recorded in the accumulated fund in 2018. As a
result, the total accumulated amount of the fund to meet retirement commitments
with Senior Management amounts to &#8364;57,429 thousand as at 31 December 2018. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">15% of the agreed annual
contributions for members of Senior Management who held that position as at 20
December 2018 will be based on variable components and considered
&quot;discretionary pension benefits&quot;, therefore subject to the conditions
regarding delivery in shares, retention and clawback established in the
applicable regulations, as well as any other conditions concerning variable
remuneration that may be applicable in accordance with the remuneration policy
applicable to members of Senior Management.</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-250</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">To this end, of
the agreed annual contribution to retirement, an amount of &#8364;571 thousand has
been recognized in 2018 as &quot;discretionary pension benefits&quot;. Following
year-end 2018, this amount has been adjusted according to the criteria
established to determine the Annual Variable Remuneration of the Senior
Management for 2018. Accordingly, the &quot;discretionary pension
benefits&quot; for the financial year, corresponding to members of the Senior
Management who held that position as at 20 December 2018, have been determined
in an amount of &#8364;555 thousand, which will be included in the accumulated fund
for 2019, subject to the same conditions as the Deferred Component of Annual
Variable Remuneration for 2018, as well as the remaining conditions established
for these benefits in the remuneration policy applicable to members of the
Senior Management.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">During the 2018 financial
year, &#8364;146 thousand has been recorded to meet the benefits commitments
undertaken with the members of the Senior Management, excluding executive
directors, who were appointed by BBVA's Board of Directors on 20 December 2018
(five members), pursuant to the commitments made by the Bank with each of them
in relation to their previous positions and functions, with such amount
including both the contribution to retirement contingency(&#8364;97 thousand) as well
as to death and disability (&#8364;49 thousand), with the fund accumulated to meet
retirement commitments for this group amounting to a total of &#8364;1,713 thousand.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font color=#006EC1 face=Arial,sans-serif style="border:none;"><b><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Termination of the contractual relationship</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In accordance with the
Remuneration Policy for BBVA Directors, the Bank has no commitments to pay
severance payments to executive directors.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The contractual framework
defined in the aforementioned Policy for Carlos Torres Vila and for the
executive director Jos&#233; Manuel Gonz&#225;lez-P&#225;ramo Mart&#237;nez-Murillo, includes a
post-contractual non-compete agreement for a period of two years after they
cease as BBVA executive directors, in accordance to which they will receive
remuneration from the Bank for an amount equivalent to one Annual Fixed
Remuneration for each year of duration of the non-compete arrangement , which
shall be paid periodically over the course of the two years, provided that they
leave their positions as executive directors for reasons other than retirement,
disability or serious breach of duties.</font></font><a name="XBRL_TS_fe622e83a6b440ec9b9a646a8_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-251</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc284233789"></a><a name="_Toc376950031"></a><a name="_Toc331691329"></a><a name="XBRL_TS_874412697660468081db01e94"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">55. </font></b></font><a name="_Toc106091"></a><a name="_Toc505355988"></a><a name="_Toc495478169"></a><a name="_Toc481589117"></a><a name="_Toc474142341"></a><a name="_Toc457490062"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">&#160;&#160;Other information</font></b></font><a name="XBRL_TS_874412697660468081db01e94_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_104b912b63d94c73ad0fac7f5"></a><a name="_Toc106092"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">55.1&#160; Environmental impact</font></b></font><a name="XBRL_TS_104b912b63d94c73ad0fac7f5_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_736d60a33f7748e6a39e86dc5"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Given the activities BBVA Group entities engage
in, the Group has no environmental liabilities, expenses, assets, provisions or
contingencies that could have a significant effect on its consolidated equity,
financial situation and profits. Consequently, as of December 31, 2018, there
is no item in the Group&#8217;s accompanying consolidated financial statements that
requires disclosure in an environmental information report pursuant to Ministry
of Justice Order JUS/471/2017, of May 19, and consequently no specific
disclosure of information on environmental matters is included in these
financial statements.</font></font><a name="XBRL_TS_736d60a33f7748e6a39e86dc5_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_d8b14c18d1754a58b534400b4"></a><a name="_Toc106093"></a><a name="_Toc474142343"></a><a name="_Toc376972437"></a><a name="_Toc376950029"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">55.2&#160; Reporting requirements of the Spanish National Securities
Market Commission (CNMV)</font></b></font><a name="XBRL_TS_d8b14c18d1754a58b534400b4_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_0d4f164844eb4d4781522de50"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Dividends paid in the year</font></font><a name="XBRL_TS_0d4f164844eb4d4781522de50_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_57b408b3f19c45f5b08dea3bd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below presents the dividends per
share paid in cash during 2018, 2017 and 2016 (cash basis dividend, regardless
of the year in which they were accrued), but without including other
shareholder remuneration, such as the &#8220;Dividend Option&#8221;. See Notes 4 and 26 for
a complete analysis of all remuneration awarded to the shareholders.</font></font><a name="XBRL_TS_57b408b3f19c45f5b08dea3bd_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_55_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=10 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Dividends Paid (&quot;Dividend Option&quot; not included)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=25% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:39.0pt;">
  <td width=25% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">% Over
  Nominal</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Euros per
  Share</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Amount
  (Millions of Euros)</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">% Over
  Nominal</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Euros per
  Share</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Amount
  (Millions of Euros)</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">% Over
  Nominal</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Euros per
  Share</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Amount
  (Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=25% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Ordinary shares</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">51.02%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.25</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,667</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34.69%</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.17</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,125</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">32.65%</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.16</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,028</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=25% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Rest of shares</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=25% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Total dividends paid in cash </font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">51.02%</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.25</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,667</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34.69%</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.17</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,125</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">32.65%</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.16</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,028</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=25% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Dividends with charge to income</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">51.02%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.25</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,667</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34.69%</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.17</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,125</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">32.65%</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.16</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,028</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=25% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Dividends with charge to reserve or share premium</font></font></p>
  </td>
 <td nowrap width=9% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=25% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Dividends in kind</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_f1cdd31516e14b729aa719bc0"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-252</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_256"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Ordinary earnings
and ordinary income by operating segment</font></font><a name="XBRL_TS_f1cdd31516e14b729aa719bc0_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_8e50d9f3d4c74fbba360dc3cf"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The detail of the consolidated profit for each
operating segment is as follows as of December 31 2018, 2017 and 2016:</font></font><a name="XBRL_TS_8e50d9f3d4c74fbba360dc3cf_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_55_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Profit Attributable by Operating Segments</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=56% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,400</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">877</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">305</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">United States</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">736</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">486</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">442</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,367</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,170</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,980</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">567</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">823</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">596</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">578</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">847</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">757</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of Eurasia</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">128</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">154</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=56% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal
  operating segments</font></b></font></p>
  </td>
 <td width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,743</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,331</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#33CCCC;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,235</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Corporate Center</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(419)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,812)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(760)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,324</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,519</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,475</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-assigned income</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Elimination of interim income (between segments)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other gains (losses)
  (*)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">827</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,243</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,218</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Income tax and/or profit from discontinued operations </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,295</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,169</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,699</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Operating
  profit before tax</font></b></font></p>
  </td>
 <td width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,446</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,931</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,392</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;text-indent:0cm;"><a name="XBRL_FS_5e9ae98390594f1cb6793fb53"></a><a name="XBRL_TS_4c82fd7427fc44afbd1b72325"></a><a name="XBRL_TS_a6e3baccd7464e3397884fcfd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*) Profit attributable to non-controlling
interests.</font></font><a name="XBRL_FS_5e9ae98390594f1cb6793fb53_bclEnd"></a><a name="XBRL_TS_4c82fd7427fc44afbd1b72325_bclEnd"></a><a name="XBRL_TS_a6e3baccd7464e3397884fcfd_bclEnd"></a></p>

<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><a name="XBRL_TS_a503bb1dcbc94248bdc59edb9"></a><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Interest income by geographical area</font></font><a name="XBRL_TS_a503bb1dcbc94248bdc59edb9_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_TS_ed49629a4d684358b21efe687"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of the balance of &#8220;Interest
income and other income&#8221; in the accompanying consolidated income statements by
geographical area is as follows:</font></font><a name="XBRL_TS_ed49629a4d684358b21efe687_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_55_055_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:18.0pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Interest Income. Breakdown by geographical area (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Notes</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#003366 face=Arial,sans-serif style="border:none;"><b><font color=#003366 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=56% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Domestic </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,952 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,093 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,962 </font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Foreign</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,879 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,203 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,745 </font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">European Union</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">509 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">422 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">291 </font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Eurozone</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">391 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">239 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">291 </font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">No eurozone</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">117 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">183 </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other countries</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,370 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,781 </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,455 </font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=56% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37.1</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,831</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,296</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#003366;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,708</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=ES-TRAD style="font-size:10.0pt;">&nbsp;</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-253</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_257"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif lang=ES-TRAD style="font-size:10.0pt;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="XBRL_TS_7fb0923566954daa9d3caee7a"></a><a name="_Toc106095"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:16.0pt;">56.&#160;&#160; Subsequent events</font></b></font><a name="XBRL_TS_7fb0923566954daa9d3caee7a_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><a name="XBRL_CS_56d8b2748a7545d9bfb1c47c1"></a><a name="XBRL_TS_c883725254f44c70bd2bc68aa"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">On January 15, 2019, BBVA announced its irrevocable decision to
early redeem, on February 19, 2019, the issuance </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">of preferred securities
contingently convertible (additional tier 1 instrument) carried out by the Bank
on February 19, 2014, for an amount of &#8364;1.5 billion on the First Reset Date of
the issuance and once the prior consent from the Regulator was obtained (see
Note 22.4). </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The Board of Directors, in their
meeting on January 31, 2019, agreed on carrying out an issuance of bonds
convertible into ordinary shares of BBVA with exclusion of pre-emptive
subscription rights, under the power delegated by the General Shareholders'
Meeting of the Company held on March 17, 2017 under the fifth item on the
agenda which is pending to be executed.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On February 1, 2019 it was
announced that it was foreseen to submit to the consideration of the
corresponding government bodies the proposal of cash payment in a gross amount
of euro 0.16 per share to be paid in April as final dividend for 2018 (see Note
4).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On February 14, 2019, the results
of the supervisory review and evaluation process (SREP) were announced.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">On 19 February, BBVA announced the
irrevocable decision to early redeem, on April 11, the issuance of subordinated
bonds (Subordinated Notes) that has been computed as Tier 2 capital for an
amount of &#8364;1.5 billion, coinciding with the Optional Amortization date of said
issue, and </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">once the prior consent from the Regulator has been obtained</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">From January 1, 2019 to the date of
preparation of these Consolidated Financial Statements, no other subsequent
events not mentioned above </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN style="font-size:10.0pt;line-height:115%;">in these financial statements have taken place that could
significantly affect the Group&#8217;s earnings or its equity position</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">.</font></font><a name="XBRL_CS_56d8b2748a7545d9bfb1c47c1_bclEnd"></a><a name="XBRL_TS_c883725254f44c70bd2bc68aa_bclEnd"></a></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-254</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_258"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"></font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><img alt="BBVA Group RGB+" border=0 height=106 id="Picture 1" src="d20f2018recastx257x0.jpg" width=430></font>&nbsp;</p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font style="border:none;"><b><font color=#0070C0 face=Arial,sans-serif lang=EN-US style="font-size:36.0pt;line-height:115%;">Appendices</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></font></p>



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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-255</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">APPENDIX
I Additional information on consolidated subsidiaries and consolidated
structured entities composing the BBVA Group</font></b></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">Additional Information on Consolidated Subsidiaries
and consolidated structured entities composing the BBVA Group</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_I.1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td width=21% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=8% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=19% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">% Legal share
  of participation</font></b></font></p>
  </td>
 <td colspan=5 width=42% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=21% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=8% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=42% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Affiliate
  Entity Data</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.75pt;">
  <td width=21% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Location</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Direct</font></b></font></p>
  </td>
 <td width=6% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Indirect</font></b></font></p>
  </td>
 <td width=6% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net Carrying
  Amount</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Assets</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Liabilities</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit (Loss)
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ACTIVOS MACORP SL</font></font></p>
  </td>
 <td width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.63</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49.37</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ALCALA 120 PROMOC. Y GEST.IMMOB.
  S.L.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">ANIDA GERMANIA IMMOBILIEN ONE, GMBH</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GERMANY</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ANIDA GRUPO
  INMOBILIARIO SL</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,569</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,642</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,863</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(259)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ANIDA INMOBILIARIA,
  S.A. DE C.V.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">113</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">80</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ANIDA OPERACIONES SINGULARES,
  S.A.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,485</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,381</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">893</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,678</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(190)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ANIDA PROYECTOS
  INMOBILIARIOS, S.A. DE C.V.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">57</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ANIDAPORT
  INVESTIMENTOS IMOBILIARIOS, UNIPESSOAL, LTDA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PORTUGAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">APLICA NEXTGEN
  OPERADORA S.A. DE C.V.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">APLICA NEXTGEN
  SERVICIOS S.A. DE C.V</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">APLICA TECNOLOGIA
  AVANZADA SA DE CV</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">203</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">232</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">214</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARIZONA FINANCIAL
  PRODUCTS, INC</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">855</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">855</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">855</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARRAHONA AMBIT, S.L.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">34</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARRAHONA IMMO, S.L.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">118</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">105</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARRAHONA NEXUS, S.L.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">131</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">67</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARRAHONA RENT, S.L.U.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">ARRELS CT FINSOL, S.A.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">114</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">ARRELS CT LLOGUER, S.A.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">ARRELS CT PATRIMONI I PROJECTES, S.A.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARRELS CT PROMOU SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">AZLO BUSINESS, INC</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BAHIA SUR RESORT S.C.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INACTIVE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.95</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.95</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANCO BILBAO VIZCAYA
  ARGENTARIA URUGUAY SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">URUGUAY</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">110</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,850</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,652</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">168</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANCO INDUSTRIAL DE
  BILBAO SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.93</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.93</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANCO OCCIDENTAL SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49.43</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.57</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANCO PROVINCIAL
  OVERSEAS NV</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CURA&#199;AO</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">403</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">355</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">44</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANCO PROVINCIAL SA -
  BANCO UNIVERSAL</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VENEZUELA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1.46</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53.75</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55.21</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">296</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">174</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">140</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANCOMER FOREIGN
  EXCHANGE INC.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANCOMER PAYMENT
  SERVICES INC.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBV AMERICA SL</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">79</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">614</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">604</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA AGENCIA DE
  SEGUROS COLOMBIA LTDA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COLOMBIA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">BBVA ASSET MANAGEMENT CONTINENTAL SA SAF</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:14.1pt;">
  <td width=21% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">BBVA ASSET MANAGEMENT SA SGIIC</font></font></p>
  </td>
 <td width=8% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OTHER INVESTMENT
  COMPANIES</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">83.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">111</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(41)</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">98</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA ASSET MANAGEMENT
  SA SOCIEDAD FIDUCIARIA (BBVA FIDUCIARIA)</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COLOMBIA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA AUTOMERCANTIL
  COMERCIO E ALUGER DE VEICULOS AUTOMOVEIS LDA.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PORTUGAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA BANCO
  CONTINENTAL SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46.12</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46.12</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">998</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19,382</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,212</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,747</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">423</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA BANCO FRANCES SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARGENTINA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39.97</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26.58</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">66.55</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">157</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,189</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,166</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,047</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(23)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA BANCOMER
  GESTION, S.A. DE C.V.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=21% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA BANCOMER
  OPERADORA, S.A. DE C.V.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">69</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">269</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">199</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td width=21% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA BANCOMER SA
  INSTITUCION DE BANCA MULTIPLE GRUPO FINANCIERO BBVA BANCOMER</font></font></p>
  </td>
 <td width=8% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=10% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,633</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">87,919</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">79,560</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,374</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,985</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(*)&#160; Information on foreign companies at exchange rate on December 31,
  2018</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-256</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_260"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">Additional Information on Consolidated </font></b></font><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">Subsidiaries</font></b></font><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;"> and structured entities
composing the BBVA Group (Continued)</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_I.2_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=23% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#002060 face=Arial,sans-serif style="border:none;"><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=8% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=18% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">% Legal share
  of participation</font></b></font></p>
  </td>
 <td colspan=5 width=41% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=23% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#002060 face=Arial,sans-serif style="border:none;"><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=8% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=41% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Affiliate
  Entity Data</font></b></font></p>
  </td>
 </tr>
<tr style="height:39.0pt;">
  <td width=23% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Location</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Direct</font></b></font></p>
  </td>
 <td width=6% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Indirect</font></b></font></p>
  </td>
 <td width=6% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net Carrying
  Amount</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Assets</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Liabilities</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit (Loss)
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA BANCOMER SEGUROS
  SALUD SA DE CV</font></font></p>
  </td>
 <td width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA BANCOMER
  SERVICIOS ADMINISTRATIVOS, S.A. DE C.V.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">197</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">159</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA BRASIL BANCO DE
  INVESTIMENTO SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BRASIL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA BROKER
  CORREDURIA DE SEGUROS Y REASEGUROS SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.94</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.06</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA BROKER SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARGENTINA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.99</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.99</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA COLOMBIA SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COLOMBIA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">77.41</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18.06</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">95.47</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">355</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,793</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,572</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,035</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">186</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA COMPASS BANCSHARES
  INC</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,703</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,817</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,131</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">645</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA COMPASS
  FINANCIAL CORPORATION</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">230</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">432</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">210</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">217</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">BBVA COMPASS INSURANCE AGENCY, INC</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA COMPASS PAYMENTS
  INC</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">88</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">88</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">73</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA CONSOLIDAR
  SEGUROS SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARGENTINA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">87.78</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12.22</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">82</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA CONSULTING (
  BEIJING) LIMITED</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CHINA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA CONSULTORIA,
  S.A.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=23% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA CONSUMER FINANCE
  ENTIDAD DE DESARROLLO A LA PEQUE&#209;A Y MICRO EMPRESA EDPYME SA (BBVA CONSUMER
  FINANCE - EDPYME)</font></font></p>
  </td>
 <td width=8% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">135</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">115</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA DATA &amp;
  ANALYTICS SL</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA DISTRIBUIDORA DE
  SEGUROS S.R.L.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">URUGUAY</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA FINANZIA SPA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ITALY</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td width=23% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA FRANCES ASSET
  MANAGMENT S.A. SOCIEDAD GERENTE DE FONDOS COMUNES DE INVERSI&#211;N.</font></font></p>
  </td>
 <td width=8% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARGENTINA</font></font></p>
  </td>
 <td width=10% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA FRANCES VALORES,
  S.A.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARGENTINA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SECURITIES DEALER</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:14.1pt;">
  <td width=23% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA FUNDOS S.GESTORA
  FUNDOS PENSOES SA</font></font></p>
  </td>
 <td width=8% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PORTUGAL</font></font></p>
  </td>
 <td width=10% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PENSION FUNDS
  MANAGEMENT</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA GLOBAL FINANCE
  LTD</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CAYMAN ISLANDS</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">179</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">175</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA GLOBAL MARKETS
  BV</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NETHERLANDS</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,562</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,561</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA HOLDING CHILE SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CHILE</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">61.22</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38.78</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">139</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">348</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">273</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA INFORMATION TECHNOLOGY
  ESPA&#209;A SL</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">76.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">76.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA INSTITUI&#199;AO
  FINANCEIRA DE CREDITO SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PORTUGAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49.90</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.10</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">422</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">369</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA INTERNATIONAL
  PREFERRED SOCIEDAD ANONIMA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">36</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA IRELAND PLC</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IRELAND</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA LEASING MEXICO
  SA DE CV</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">888</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">751</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">127</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 </tr>
<tr style="height:14.1pt;">
  <td width=23% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA LUXINVEST SA</font></font></p>
  </td>
 <td width=8% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LUXEMBOURG</font></font></p>
  </td>
 <td width=10% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PENSION FUNDS
  MANAGEMENT</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">36.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA MEDIACION
  OPERADOR DE BANCA-SEGUROS VINCULADO, S.A.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">69</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA NEXT
  TECHNOLOGIES SLU</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA NOMINEES LIMITED
  </font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED KINGDOM</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA OP3N S.L.</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA OPEN PLATFORM
  INC</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA PARAGUAY SA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PARAGUAY</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,923</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,741</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">150</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32</font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td width=23% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA PENSIONES SA
  ENTIDAD GESTORA DE FONDOS DE PENSIONES</font></font></p>
  </td>
 <td width=8% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PENSION FUNDS
  MANAGEMENT</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA PLANIFICACION
  PATRIMONIAL SL</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">80.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:14.1pt;">
  <td width=23% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA PREVISION AFP SA
  ADM.DE FONDOS DE PENSIONES</font></font></p>
  </td>
 <td width=8% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BOLIVIA</font></font></p>
  </td>
 <td width=10% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PENSION FUNDS
  MANAGEMENT</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">80.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA PROCUREMENT
  SERVICES AMERICA DEL SUR SpA</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CHILE</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=23% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RE DAC</font></font></p>
  </td>
 <td width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IRELAND</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">68</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(*)&#160; Information on foreign companies at exchange rate on December 31,
  2018</font></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-257</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_261"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">Additional Information on Consolidated Subsidiaries
and structured entities composing the BBVA Group (Continued)</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_I.3_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td width=26% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=19% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">%&#160; Legal
  share of participation</font></b></font></p>
  </td>
 <td colspan=5 width=35% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=26% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=35% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Affiliate
  Entity Data</font></b></font></p>
  </td>
 </tr>
<tr style="height:39.0pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Location</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Direct</font></b></font></p>
  </td>
 <td width=6% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Indirect</font></b></font></p>
  </td>
 <td width=6% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net Carrying
  Amount</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Assets</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Liabilities</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit (Loss)
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA REAL ESTATE
  MEXICO, S.A. DE C.V.</font></font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SECURITIES INC</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">192</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">398</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">205</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">187</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SEGUROS COLOMBIA
  SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COLOMBIA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">94.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">90</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">68</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SEGUROS DE VIDA
  COLOMBIA SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COLOMBIA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">94.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">402</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">282</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">86</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SEGUROS SA DE
  SEGUROS Y REASEGUROS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.96</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.96</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">713</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,303</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,509</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">484</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">309</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SERVICIOS, S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMMERCIAL</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SUIZA SA (BBVA
  SWITZERLAND)</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SWITZERLAND</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">832</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">719</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">108</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA TRADE, S.A. (**)</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA TRANSFER
  SERVICES INC</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">66</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">118</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">57</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA VALORES COLOMBIA
  SA COMISIONISTA DE BOLSA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COLOMBIA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SECURITIES DEALER</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA WEALTH
  SOLUTIONS, INC.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BEEVA TEC OPERADORA,
  S.A. DE C.V.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BEEVA TEC SA DE CV</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BILBAO VIZCAYA
  HOLDING SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">89.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">234</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">141</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">90</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CAIXA MANRESA
  IMMOBILIARIA ON CASA SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CAIXA MANRESA
  IMMOBILIARIA SOCIAL SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CAIXA TERRASSA
  SOCIETAT DE PARTICIPACIONS PREFERENTS SAU</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">76</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">74</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CAIXASABADELL
  PREFERENTS SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">91</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">90</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CARTERA E INVERSIONES
  SA CIA DE</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">92</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">224</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">120</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(83)</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">186</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CASA DE BOLSA BBVA
  BANCOMER SA DE CV</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SECURITIES DEALER</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">57</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CATALONIA GEBIRA,
  S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CATALONIA PROMODIS 4,
  S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CATALUNYACAIXA
  CAPITAL SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">79</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">88</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">76</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CATALUNYACAIXA
  IMMOBILIARIA SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">328</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">324</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">303</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CATALUNYACAIXA
  SERVEIS SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">CDD GESTIONI S.R.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ITALY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CETACTIUS SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CIDESSA DOS, S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CIDESSA UNO SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">283</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">251</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(50)</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">83</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CIERVANA SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CLUB GOLF HACIENDA EL
  ALAMO, S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">97.87</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">97.87</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMERCIALIZADORA
  CORPORATIVA SAC</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMERCIALIZADORA DE
  SERVICIOS FINANCIEROS, S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COLOMBIA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPA&#209;IA CHILENA DE
  INVERSIONES SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.97</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.03</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">221</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">719</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">280</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(59)</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">498</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPASS BANK</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,950</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">84,383</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">73,398</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,267</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">718</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPASS CAPITAL
  MARKETS, INC.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,203</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,203</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,116</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">88</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPASS GP, INC.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPASS INSURANCE
  TRUST</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPASS LIMITED
  PARTNER, INC.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,305</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,305</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,218</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">87</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">COMPASS LOAN HOLDINGS TRS, INC.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">72</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">72</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(*)&#160;&#160; Information on foreign companies at exchange rate on December 31,
  2018</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(**) This company has an equity loan from CARTERA E INVERSIONES S.A.,
  CIA DE. </font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-258</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_262"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">Additional Information on Consolidated Subsidiaries
and structured entities composing the BBVA Group (Continued)</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_I.4_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=26% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#002060 face=Arial,sans-serif style="border:none;"><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=19% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">%&#160; Legal
  share of participation</font></b></font></p>
  </td>
 <td colspan=5 width=35% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=26% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#002060 face=Arial,sans-serif style="border:none;"><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=35% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Affiliate
  Entity Data</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Location</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Direct</font></b></font></p>
  </td>
 <td width=6% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Indirect</font></b></font></p>
  </td>
 <td width=6% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net Carrying
  Amount</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Assets</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Liabilities</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit (Loss)
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPASS MORTGAGE
  CORPORATION</font></font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,857</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,950</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,783</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">69</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPASS MORTGAGE
  FINANCING, INC.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPASS SOUTHWEST, LP</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,213</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,229</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,151</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">73</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">COMPASS TEXAS MORTGAGE FINANCING, INC</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CONSOLIDAR A.F.J.P SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARGENTINA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53.89</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CONTENTS AREA, S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CONTINENTAL BOLSA
  SDAD. AGENTE DE BOLSA SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  </font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SECURITIES DEALER</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">103</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CONTINENTAL DPR
  FINANCE COMPANY</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CAYMAN ISLANDS</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CONTINENTAL SOCIEDAD
  TITULIZADORA SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  </font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CONTRATACION DE
  PERSONAL, S.A. DE C.V.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COPROMED SA DE CV</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CORPORACION GENERAL
  FINANCIERA SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">510</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,577</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,642</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(65)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COVAULT, INC</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DALLAS CREATION
  CENTER, INC</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">DATA ARCHITECTURE AND TECHNOLOGY S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DENIZEN FINANCIAL,
  INC</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DENIZEN GLOBAL
  FINANCIAL SAU</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PAYMENT ENTITIE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DEUTSCHE BANK MEXICO
  SA FIDEICOMISO F/1859</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DEUTSCHE BANK MEXICO
  SA FIDEICOMISO F/1860</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISTRITO CASTELLANA
  NORTE, S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75.54</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75.54</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">147</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">133</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ECASA, S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CHILE</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">EL ENCINAR
  METROPOLITANO, S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.05</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.05</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">EL MILANILLO, S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">EMPRENDIMIENTOS DE
  VALOR S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">URUGUAY&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  </font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ENTIDAD DE PROMOCION
  DE NEGOCIOS SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HOLDING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.88</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.88</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ENTRE2 SERVICIOS
  FINANCIEROS E.F.C SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ESPAIS SABADELL
  PROMOCIONS INMOBILIARIES, S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">EUROPEA DE
  TITULIZACION SA SGFT .</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">88.24</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">88.24</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">34</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">EXPANSION
  INTERCOMARCAL SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td width=26% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">F/11395 FIDEICOMISO
  IRREVOCABLE DE ADMINISTRACION CON DERECHO DE REVERSION</font></font></p>
  </td>
 <td width=9% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42.40</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42.40</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">F/253863 EL DESEO
  RESIDENCIAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">65.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">65.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">F/403035-9 BBVA
  HORIZONTES RESIDENCIAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  </font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">65.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">65.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO 28991-8
  TRADING EN LOS MCADOS FINANCIEROS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  </font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td width=26% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO F/29764-8
  SOCIO LIQUIDADOR DE OPERACIONES FINANCIERAS DERIVADAS</font></font></p>
  </td>
 <td width=9% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO
  F/403112-6 DE ADMINISTRACION DOS LAGOS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO HARES BBVA BANCOMER F/ 47997-2</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO LOTE 6.1
  ZARAGOZA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COLOMBIA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  </font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">59.99</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">59.99</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:14.1pt;">
  <td width=26% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO N.989 EN
  THE BANK OF NEW YORK MELLON SA INSTITUCION DE BANCA MULTIPLE FIDUCIARIO
  (FIDEIC.00989 6 EMISION)</font></font></p>
  </td>
 <td width=9% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">79</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">79</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(*)&#160; Information on foreign companies at exchange rate on December 31,
  2018</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-259</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_263"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">Additional Information on Consolidated Subsidiaries
and structured entities composing the BBVA Group (Continued)</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_I.5_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td width=26% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=19% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">%&#160; Legal
  share of participation</font></b></font></p>
  </td>
 <td colspan=5 width=35% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=26% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=9% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=35% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Affiliate
  Entity Data</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Location</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Direct</font></b></font></p>
  </td>
 <td width=6% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Indirect</font></b></font></p>
  </td>
 <td width=6% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net Carrying
  Amount</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Assets</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Liabilities</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit (Loss)
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.1pt;">
  <td width=26% style="border:none;height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO N&#186; 711 EN
  BANCO INVEX SA INSTITUCION DE BANCA MULTIPLE INVEX GRUPO FINANCIERO
  FIDUCIARIO (FIDEIC. INVEX 1&#170; EMISION)</font></font></p>
  </td>
 <td width=9% style="border:none;height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="border:none;height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:14.1pt;">
  <td width=26% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO N&#186; 752 EN
  BANCO INVEX SA INSTITUCION DE BANCA MULTIPLE INVEX GRUPO FINANCIERO
  FIDUCIARIO (FIDEIC. INVEX 2&#170; EMISION)</font></font></p>
  </td>
 <td width=9% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:14.1pt;">
  <td width=26% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO N&#186; 847 EN
  BANCO INVEX SA INSTITUCION DE BANCA MULTIPLE INVEX GRUPO FINANCIERO
  FIDUCIARIO (FIDEIC. INVEX 4&#170; EMISION)</font></font></p>
  </td>
 <td width=9% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">FIDEICOMISO SCOTIABANK INVERLAT S A F100322908</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCEIRA DO
  COMERCIO EXTERIOR SAR.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PORTUGAL</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INACTIVE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIERA AYUDAMOS
  S.A. DE C.V., SOFOMER</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FOMENTO Y DESARROLLO
  DE CONJUNTOS RESIDENCIALES S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FORUM
  COMERCIALIZADORA DEL PERU SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FORUM DISTRIBUIDORA
  DEL PERU SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FORUM DISTRIBUIDORA,
  S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CHILE</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">373</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">336</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FORUM SERVICIOS
  FINANCIEROS, S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CHILE</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">244</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,014</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,785</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">161</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">68</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FUTURO FAMILIAR, S.A.
  DE C.V.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">G NETHERLANDS BV</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NETHERLANDS</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">340</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">348</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">299</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI BANK SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ROMANIA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">269</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,216</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,930</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">258</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI BILISIM
  TEKNOLOJISI VE TIC TAS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">GARANTI DIVERSIFIED PAYMENT RIGHTS FINANCE COMPANY</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CAYMAN ISLANDS</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,316</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,321</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">GARANTI EMEKLILIK VE HAYAT AS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">84.91</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">84.91</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">126</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">266</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">120</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">67</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">79</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI FACTORING
  HIZMETLERI AS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">81.84</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">81.84</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">399</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">376</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI FILO SIGORTA
  ARACILIK HIZMETLERI A.S.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI FILO YONETIM
  HIZMETLERI A.S.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OTHER HOLDING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">302</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">301</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI FINANSAL
  KIRALAMA AS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">149</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">995</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">846</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">133</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI HIZMET
  YONETIMI AS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI HOLDING BV</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NETHERLANDS</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">228</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">340</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">340</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">GARANTI KONUT FINANSMANI DANISMANLIK HIZMETLERI AS (GARANTI MORTGAGE)</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI KULTUR AS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI ODEME
  SISTEMLERI AS (GOSAS)</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI PORTFOY
  YONETIMI AS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">GARANTI YATIRIM MENKUL KIYMETLER AS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTI YATIRIM
  ORTAKLIGI AS</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3.61</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">95.49</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARANTIBANK
  INTERNATIONAL NV</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NETHERLANDS</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">578</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,278</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,703</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">560</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GARRAF MEDITERRANIA,
  S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GESCAT GESTIO DE SOL
  SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GESCAT LLEVANT, S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GESCAT LLOGUERS SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GESCAT POLSKA SP ZOO</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">POLAND</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GESCAT SINEVA, S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GESCAT VIVENDES EN
  COMERCIALITZACIO SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">93</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td width=26% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GESTION DE PREVISION
  Y PENSIONES SA</font></font></p>
  </td>
 <td width=9% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PENSION FUNDS
  MANAGEMENT</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GESTION Y
  ADMINISTRACION DE RECIBOS, S.A. - GARSA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GRAN JORGE JUAN SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">409</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">966</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">558</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">395</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(*)&#160; Information on foreign companies at exchange rate on December 31,
  2018</font></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-260</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_264"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">Additional Information on Consolidated Subsidiaries
and structured entities composing the BBVA Group (Continued)</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_I.6_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=33% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=7% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=21% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">%&#160; Legal
  share of participation</font></b></font></p>
  </td>
 <td colspan=5 width=32% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=33% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=32% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Affiliate
  Entity Data</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=33% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Location</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Direct</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Indirect</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net Carrying
  Amount</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Assets</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Liabilities</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit (Loss)
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GRUPO FINANCIERO BBVA
  BANCOMER SA DE CV</font></font></p>
  </td>
 <td width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.98</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.98</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,678</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,642</font></font></p>
  </td>
 <td width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,323</font></font></p>
  </td>
 <td width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,318</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GUARANTY BUSINESS
  CREDIT CORPORATION</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GUARANTY PLUS HOLDING
  COMPANY</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HABITATGES FINVER,
  S.L.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HABITATGES JUVIPRO,
  S.L.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HOLAMUNO AGENTE DE
  SEGUROS VINCULADO, S.L.U.(**)</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HOLVI DEUTSCHLAND
  SERVICE GMBH</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GERMANY</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HOLVI PAYMENT SERVICE
  OY</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINLAND</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HUMAN RESOURCES
  PROVIDER, INC</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">404</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">404</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">398</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HUMAN RESOURCES
  SUPPORT, INC</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">399</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">399</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">393</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INMESP
  DESARROLLADORA, S.A. DE C.V.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">34</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INMUEBLES Y
  RECUPERACIONES CONTINENTAL SA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INPAU, S.A.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVERAHORRO SL</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">101</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">103</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">105</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVERPRO
  DESENVOLUPAMENT, S.L.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVERSIONES ALDAMA,
  C.A.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VENEZUELA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVERSIONES BANPRO
  INTERNATIONAL INC NV</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CURA&#199;AO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">48.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">48.01</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVERSIONES BAPROBA
  CA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VENEZUELA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVERSIONES DE
  INNOVACION EN SERVICIOS FINANCIEROS, S.L.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVERSIONES P.H.R.4,
  C.A.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VENEZUELA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INACTIVE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.46</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.46</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IRIDION SOLUCIONS
  IMMOBILIARIES SL</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JALE PROCAM, S.L. </font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(49)</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">L'EIX IMMOBLES, S.L.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDITY ADVISORS LP</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,116</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,124</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,108</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MADIVA SOLUCIONES,
  S.L.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MICRO SPINAL LLC</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MISAPRE, S.A. DE C.V.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">MOMENTUM SOCIAL INVESTMENT HOLDING, S.L.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MOTORACTIVE IFN SA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ROMANIA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">185</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">158</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MOTORACTIVE
  MULTISERVICES SRL</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ROMANIA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MULTIASISTENCIA
  OPERADORA S.A. DE C.V.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MULTIASISTENCIA
  SERVICIOS S.A. DE C.V.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MULTIASISTENCIA, S.A.
  DE C.V.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NEWCO PERU SAC</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">124</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,005</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">829</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">176</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NOIDIRI SL</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NOVA TERRASSA 3, S.L.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OPCION VOLCAN, S.A.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OPENPAY S.A.P.I DE
  C.V.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PAYMENT ENTITIES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OPENPAY SERVICIOS
  S.A. DE C.V.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=33% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OPERADORA DOS LAGOS
  S.A. DE C.V.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(*)&#160;&#160; Information on foreign companies at exchange rate on December 31,
  2018</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(**) These companies have an equity loan from BILBAO VIZCAYA HOLDING,
  S.A.</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-261</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">Additional Information on Consolidated Subsidiaries
and structured entities composing the BBVA Group (Continued)</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_I.7_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td width=25% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">%&#160; Legal
  share of participation</font></b></font></p>
  </td>
 <td colspan=5 width=35% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=25% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=9% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=35% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Affiliate
  Entity Data</font></b></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=25% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Location</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Direct</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Indirect</font></b></font></p>
  </td>
 <td width=6% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net Carrying
  Amount</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Assets</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Liabilities</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit (Loss)
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OPPLUS OPERACIONES Y
  SERVICIOS SA</font></font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OPPLUS SAC</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">P.I. HOLDINGS NO. 3, INC.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PARCSUD PLANNER, S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=25% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PECRI INVERSION SA</font></font></p>
  </td>
 <td width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OTHER INVESTMENT
  COMPANIES</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">163</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">164</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">148</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PENSIONES BBVA
  BANCOMER, S.A. DE C.V., GRUPO FINANCIERO BBVA BANCOMER</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">185</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,629</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,449</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">140</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">41</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERSONAL DATA BANK
  SLU</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PHOENIX LOAN
  HOLDINGS, INC.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">339</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">361</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">336</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PI HOLDINGS NO. 1,
  INC.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PORTICO PROCAM, S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROMOCIONES Y
  CONSTRUCCIONES CERBAT, S.L.U.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROMOTORA DEL VALLES,
  S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">101</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">65</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROMOU CT 3AG DELTA,
  S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROMOU CT EIX MACIA,
  S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROMOU CT GEBIRA,
  S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">PROMOU CT OPENSEGRE, S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROMOU CT VALLES,
  S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROMOU GLOBAL, S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PRONORTE UNO PROCAM,
  S.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROPEL VENTURE
  PARTNERS GLOBAL, S.L</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.50</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99.50</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">PROPEL VENTURE PARTNERS US FUND I, L.P.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VENTURE CAPITAL</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">70</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PRO-SALUD, C.A.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VENEZUELA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INACTIVE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58.86</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58.86</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROVINCIAL DE VALORES
  CASA DE BOLSA CA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VENEZUELA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SECURITIES DEALER</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">90.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">90.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROVINCIAL
  SDAD.ADMIN.DE ENTIDADES DE INV.COLECTIVA CA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VENEZUELA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROV-INFI-ARRAHONA, S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=25% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROVIVIENDA ENTIDAD
  RECAUDADORA Y ADMIN.DE APORTES, S.A.</font></font></p>
  </td>
 <td width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BOLIVIA</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PENSION FUNDS
  MANAGEMENT</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PUERTO CIUDAD LAS
  PALMAS, S.A. (**)</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">96.64</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">96.64</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(18)</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">QIPRO SOLUCIONES S.L.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">RALFI IFN SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ROMANIA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">126</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">109</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">RENTRUCKS ALQUILER Y
  SERVICIOS DE TRANSPORTE SA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INACTIVE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">RESIDENCIAL CUMBRES
  DE SANTA FE, S.A. DE C.V.</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">RPV COMPANY</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CAYMAN ISLANDS</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,324</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,324</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">RWHC, INC</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">742</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">739</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">725</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SAGE OG I, INC</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SATICEM GESTIO SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SATICEM HOLDING SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SATICEM IMMOBILIARIA
  SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SATICEM IMMOBLES EN
  ARRENDAMENT SL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SEGUROS BBVA BANCOMER
  SA DE CV GRUPO FINANCIERO BBVA BANCOMER</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">335</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,199</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,865</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">124</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">210</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SEGUROS PROVINCIAL CA</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VENEZUELA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=8% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(*)&#160;&#160; Information on foreign companies at exchange rate on December 31,
  2018</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(**) These companies have an equity loan from CATALUNYA CAIXA
  INMOBILIARIA, S.A</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-262</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_266"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">Additional Information on Consolidated Subsidiaries
and structured entities composing the BBVA Group (Continued)</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_I.8_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td nowrap valign=bottom width=34% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=7% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=21% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">%&#160; Legal
  share of participation</font></b></font></p>
  </td>
 <td colspan=5 width=31% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=34% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=31% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Affiliate Entity
  Data</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Location</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Direct</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Indirect</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net Carrying
  Amount</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Assets</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Liabilities</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit (Loss)
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICIOS
  CORPORATIVOS BANCOMER, S.A. DE C.V.</font></font></p>
  </td>
 <td width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td width=6% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICIOS
  CORPORATIVOS DE SEGUROS, S.A. DE C.V.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICIOS EXTERNOS DE
  APOYO EMPRESARIAL, S.A DE C.V.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICIOS
  TECNOLOGICOS SINGULARES, S.A.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SIMPLE FINANCE
  TECHNOLOGY CORP.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">80</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(30)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SOCIEDAD DE ESTUDIOS
  Y ANALISIS FINANCIERO SA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">79</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">81</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=34% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SOCIEDAD GESTORA DEL
  FONDO PUBLICO DE REGULACION DEL MERCADO HIPOTECARIO SA</font></font></p>
  </td>
 <td width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PAYMENT INSTITUIONS</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">77.20</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">77.20</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPORT CLUB 18 SA (**)</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TEXAS LOAN SERVICES
  LP</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,129</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,130</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,112</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TMF HOLDING INC.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TRIFOI REAL ESTATE
  SRL</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ROMANIA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TUCSON LOAN HOLDINGS,
  INC.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">34</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKIYE GARANTI
  BANKASI AS</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TURKEY</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49.85</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49.85</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,509</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">59,390</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51,556</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,670</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,163</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNIVERSALIDAD TIPS
  PESOS E-9</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COLOMBIA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  </font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNNIM SOCIEDAD PARA
  LA GESTION DE ACTIVOS INMOBILIARIOS SA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">359</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,038</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">496</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">500</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UPTURN FINANCIAL INC</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED STATES</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">URBANIZADORA SANT
  LLORENC SA</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INACTIVE</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.60</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.60</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=34% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">VERIDAS DIGITAL AUTHENTICATION SOLUTIONS S.L.</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 <td nowrap width=7% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td colspan=11 width=100% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(*)&#160;&#160; Information on foreign companies at exchange rate on
  December 31, 2018</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td colspan=11 width=100% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(**) This company has an equity loan from BANCO BILBAO VIZCAYA
  ARGENTARIA, S.A.</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-263</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_267"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc106098"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">APPENDIX II
Additional information on investments joint ventures and associates in the BBVA
Group</font></b></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><a name="_Toc106099"></a><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">Acquisitions or increases of interest ownership in
consolidated subsidiaries</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_II.1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td valign=bottom width=27% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=6% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=24% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">%&#160; Legal
  share of participation</font></b></font></p>
  </td>
 <td colspan=5 width=37% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros (**)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=27% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=6% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=6% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=37% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Affiliate
  Entity Data</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=27% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Location</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Direct</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Indirect</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Net Carrying
  Amount</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Assets</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Liabilities</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Equity </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Profit (Loss)
  </font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.12.18</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=27% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATES</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ADQUIRA ESPA&#209;A, S.A.</font></font></p>
  </td>
 <td width=6% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMMERCIAL</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40.00</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40.00</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ATOM BANK PLC</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITED KINGDOM</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39.06</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39.06</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">138</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,078</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,796</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">330</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(48)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">AUREA, S.A. (CUBA)</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CUBA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">BANK OF HANGZHOU CONSUMER FINANCE CO LTD</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CHINA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">753</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">693</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">CANCUN SUN &amp; GOLF COUNTRY CLUB, S.A.P.I. DE C.V.</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33.33</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33.33</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPA&#209;IA ESPA&#209;OLA DE
  FINANCIACION DEL DESARROLLO SA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PUBLIC INSTITUTIONS</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16.67</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16.67</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">138</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">124</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=27% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPA&#209;IA PERUANA DE
  MEDIOS DE PAGO SAC (VISANET PERU)</font></font></p>
  </td>
 <td width=6% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU</font></font></p>
  </td>
 <td width=6% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ELECTRONIC MONEY
  ENTITIES</font></font></p>
  </td>
 <td nowrap width=8% style="height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.96</font></font></p>
  </td>
 <td nowrap width=8% style="height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.96</font></font></p>
  </td>
 <td nowrap width=8% style="height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td nowrap width=7% style="height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37</font></font></p>
  </td>
 <td nowrap width=7% style="height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:18.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DIVARIAN PROPIEDAD,
  S.A.U.</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">591</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,014</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">57</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,936</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 </tr>
<tr style="height:21.95pt;">
  <td width=27% style="height:21.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO F/00185
  FIMPE - FIDEICOMISO F/00185 PARA EXTENDER A LA SOCIEDAD LOS BENEFICIOS DEL
  ACCESO A LA INFRAESTRUCTURA DE LOS MEDIOS DE PAGO ELECTRONICOS</font></font></p>
  </td>
 <td width=6% style="height:21.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=6% style="height:21.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=8% style="height:21.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:21.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28.50</font></font></p>
  </td>
 <td nowrap width=8% style="height:21.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28.50</font></font></p>
  </td>
 <td nowrap width=8% style="height:21.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:21.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=7% style="height:21.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:21.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=7% style="height:21.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">METROVACESA SA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9.44</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11.41</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.85</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">508</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,577</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">184</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,402</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REDSYS SERVICIOS DE
  PROCESAMIENTO SL</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">121</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ROMBO COMPA&#209;IA
  FINANCIERA SA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARGENTINA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">209</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">179</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICIOS
  ELECTRONICOS GLOBALES SA DE CV</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46.14</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46.14</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVIRED SOCIEDAD
  ESPA&#209;OLA DE MEDIOS DE PAGO SA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28.72</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28.72</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SOLARISBANK AG</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GERMANY</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18.76</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18.76</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">212</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">158</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TELEFONICA FACTORING
  ESPA&#209;A SA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL ASSETS</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TF PERU SAC</font></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PERU</font></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL ASSETS</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24.30</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24.30</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT
  VENTURES (*)</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ADQUIRA MEXICO SA DE
  CV</font></font></p>
  </td>
 <td width=6% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=6% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMMERCIAL</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ALTURA MARKETS
  SOCIEDAD DE VALORES SA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SECURITIES DEALER</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">69</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,711</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,574</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">127</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPA&#209;IA MEXICANA DE
  PROCESAMIENTO SA DE CV</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CORPORACION IBV
  PARTICIPACIONES EMPRESARIALES, S.A.</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">63</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DESARROLLOS METROPOLITANOS DEL SUR, S.L.</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">77</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO
  F/402770-2 ALAMAR</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42.40</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42.40</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO 1729
  INVEX ENAJENACION DE CARTERA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32.25</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32.25</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">171</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">171</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVERSIONES PLATCO CA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VENEZUELA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROMOCIONS TERRES
  CAVADES, S.A.</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39.11</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39.11</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PSA FINANCE ARGENTINA
  COMPA&#209;IA FINANCIERA SA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARGENTINA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">76</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">RCI COLOMBIA SA
  COMPA&#209;IA DE FINANCIAMIENTO</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COLOMBIA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">49.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">379</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">314</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">61</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">REAL ESTATE DEAL II SA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SPAIN</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.06</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.06</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VITAMEDICA
  ADMINISTRADORA, S.A. DE C.V</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MEXICO</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VOLKSWAGEN FINANCIAL
  SERVICES COMPA&#209;IA FINANCIERA SA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ARGENTINA</font></font></p>
  </td>
 <td width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=8% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">195</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">166</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">34</font></font></p>
  </td>
 <td nowrap width=7% style="height:13.5pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(*)&#160; Joint ventures incorporated by the equity method.</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(**) In foreign companies the exchange rate of December 31, 2018 is
  applied.</font></font></p>
  </td>
 </tr>
</table></div>




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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc106100"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">APPENDIX
III Changes and notification of participations in the BBVA Group in 2018</font></b></font></p>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><a name="_Toc106101"></a><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:115%;">Acquisitions or Increases of Interest Ownership in
Consolidated Subsidiaries</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_III.1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td nowrap valign=bottom width=24% style="border:none;border-top:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=19% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 <td colspan=2 width=19% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">% of Voting
  Rights</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-top:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-top:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:40.5pt;">
  <td width=24% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Type of
  Transaction</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Price Paid in the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Transactions +</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Expenses directly</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">attributable to the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Transactions</font></b></font></p>
  </td>
 <td width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Fair Value of Equity</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Instruments</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">issued for the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Transactions</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">% Participation (net)</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Acquired</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">in the Year</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Total Voting Rights</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Controlled after the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Transactions</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Effective Date for the Transaction (or Notification Date)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Category</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=24% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">ENTIDAD DE PROMOCION
  DE NEGOCIOS SA</font></font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">ACQUISITION</font></font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">RENT HOLDING</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0.02%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">99.88%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">10-May-18</font></font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=24% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">BBVA BROKER SA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">ACQUISITION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">4.99%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">99.99%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">01-Oct-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=24% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">BBVA HOLDING CHILE SA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">FOUNDING AND SPLIT</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">23-Jan-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=24% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">HOLVI DEUTSCHLAND
  SERVICE GMBH</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">FOUNDING </font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">01-May-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=24% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">PERSONAL DATA BANK
  SLU</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">FOUNDING </font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">01-Jun-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=24% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">DOMICILIA TREBOLBLUE
  SA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">FOUNDING </font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">HOLDING ENT.</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">03-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=24% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">ONUTPEN 2018 SL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">FOUNDING </font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">21-Aug-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=24% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">GARANTI YATIRIM
  ORTAKLIGI AS</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">CAPITAL INCREASE</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0.31%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">95.49%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">01-Dec-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
</table></div>



<h3 style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><a name="_Toc106102"></a><font color=#002060 style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;line-height:115%;">Changes
and notification of participations in the BBVA Group in 2018 (continued)</font></b></font></h3>

<h3 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font color=#002060 style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:115%;">Disposals or
Reduction of Interest Ownership in Consolidated Subsidiaries</font></b></font></h3>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_III.2_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=18% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 <td colspan=2 width=18% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">% of Voting
  Rights</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:36.0pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Type of
  Transaction</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Profit (Loss)</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">in the Transaction</font></b></font></p>
  </td>
 <td width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Changes in the Equity due to the transaction</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">% Participation</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Sold</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">in the Year</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total Voting Rights</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Controlled after the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Disposal</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Effective Date for the Transaction (or Notification Date)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Category</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANCO BILBAO VIZCAYA
  ARGENTARIA (PORTUGAL) SA</font></font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MERGER</font></font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1-Oct-18</font></font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROMOCION EMPRESARIAL
  XX SA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MERGER</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17-Dec-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RENTING, S.A.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MERGER</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANCO BILBAO VIZCAYA
  ARGENTARIA CHILE, S.A.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">68.19%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA CORREDORES DE
  BOLSA LIMITADA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SECURITIES DEALER</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SOCIEDAD DE
  LEASING INMOBILIARIO, S.A.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">97.49%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA ASESORIAS
  FINANCIERAS, S.A.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=26% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA ASSET MANAGEMENT
  ADMINISTRADORA GENERAL DE FONDOS S.A.</font></font></p>
  </td>
 <td width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA FACTORING
  LIMITADA (CHILE)</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA CORREDORA
  TECNICA DE SEGUROS LIMITADA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANCOMER FINANCIAL
  SERVICES INC.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MERGER</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Dec-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">APLICA TECNOLOGIA
  AVANZADA OPERADORA, S.A. DE C.V.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">APLICA TECNOLOGIA
  AVANZADA SERVICIOS, S.A. DE C.V.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SUBORDINATED
  CAPITAL SOCIEDAD ANONIMA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18-Dec-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SENIOR FINANCE
  SAU</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18-Dec-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA INMOBILIARIA E
  INVERSIONES, S.A.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">68.11%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HOMEOWNERS LOAN
  CORPORATION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1-Dec-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RENTAS E
  INVERSIONES LIMITADA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MERGER</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30-Apr-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SERVICIOS
  CORPORATIVOS LIMITADA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DIVARIAN DESARROLLOS
  INMOBILIARIOS, S.L.U</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10-Oct-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA INVERSIONES
  CHILE, S.A.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">863</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SEGUROS DE VIDA,
  S.A.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GUARANTY PLUS
  PROPERTIES, INC-1</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MERGER</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31-Dec-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GUARANTY PLUS
  PROPERTIES LLC-2</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1-Aug-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=26% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4D INTERNET
  SOLUTIONS, INC</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18-Dec-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-265</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_269"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<h3 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font color=#002060 style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;line-height:115%;">Changes and notification of participations in
the BBVA Group in 2018 (continued)</font></b></font></h3>

<h3 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font color=#002060 style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:115%;">Disposals or
Reduction of Interest Ownership in Consolidated Subsidiaries</font></b></font></h3>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_III.2.2_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td nowrap valign=bottom width=25% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=18% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 <td colspan=2 width=19% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">% of Voting
  Rights</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-top:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td width=25% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Type of
  Transaction</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Profit (Loss)</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">in the Transaction</font></b></font></p>
  </td>
 <td width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Changes in the Equity due to the transaction</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">% Participation</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Sold</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">in the Year</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total Voting Rights</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Controlled after the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Disposal</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Effective Date for the Transaction (or Notification Date)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Category</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PARTICIPACIONES
  ARENAL, S.L.</font></font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7-Aug-18</font></font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CAIXASABADELL
  TINELIA, S.L.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MERGER</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18-Jul-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HABITATGES INVERVIC,
  S.L.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE </font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">35.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22-Feb-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROCAMVASA, S.A.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE </font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4-May-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CATALUNYACAIXA
  ASSEGURANCES GENERALS, S.A.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MERGER</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES SERVICES</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23-Jan-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VOLJA LUX, SARL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71.78%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29-Jan-19</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CX PROPIETAT, FII</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE
  INVESTMENT</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">94.96%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30-Jun-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VOLJA PLUS SL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75.40%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1-Oct-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">UNITARIA GESTION DE
  PATRIMONIOS INMOBILIARIOS SA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20-Dec-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SCALDIS FINANCE, S.A.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1-Apr-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ONUTPEN 2018 SL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31-Oct-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=25% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DOMICILIA TREBOLBLUE SA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MERGER</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OTHER HOLDING</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19-Dec-18</font></font></p>
  </td>
 <td width=9% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SUBSIDIARY</font></font></p>
  </td>
 </tr>
</table></div>




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</DIV>
<h3 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><a name="_Toc106103"></a><font color=#002060 style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;line-height:115%;">Changes and notification of
participations in the BBVA Group in 2018 (continued)</font></b></font></h3>

<h3 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font color=#002060 style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:115%;">Business
Combinations and Other Acquisitions or Increases of Interest Ownership in
Associates and Joint-Ventures Accounted for Under the Equity Method</font></b></font></h3>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_III.3_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:24.0pt;">
  <td nowrap valign=bottom width=20% style="border:none;border-top:solid black 1.0pt;height:24.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:24.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:24.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 <td colspan=2 width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">% of Voting
  Rights</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:24.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:24.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:49.5pt;">
  <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Type of
  Transaction</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Price Paid in the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transactions +</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Expenses Directly</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Attributable to the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Transactions</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Fair Value of Equity</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Instruments</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Issued for the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transactions</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">% Participation (Net)</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Acquired</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">in the Year</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total Voting Rights</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Controlled After the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Transactions</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Effective Date for the Transaction (or Notification Date)</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Category</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=20% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LEVENT YAPILANDIRMA
  YONETIMI AS</font></font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FOUNDING</font></font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22.13%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22.13%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14-Dec-18</font></font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATED</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ATOM BANK PLC</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">INCREASE TO WHICH OTHER MEMERS DO NOT ASSIST</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">99</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9.16%</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">39.06%</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">01-May-18</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATED</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=20% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SR2 SOCIEDAD DE
  MEDIOS DE PAGO S.A.</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FOUNDING AND SPLIT</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PAYMENT ENTITIES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28.72%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28.72%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">01-Jan-18</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATED</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=20% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SOCIEDADE ALTITUDE
  SOFTWARE-SISTEMA E SERCI&#199;OS SA</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FOUNDING</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.55%</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.55%</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">02-Apr-18</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=20% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SISTEMAS DE TARJETAS
  Y MEDIOS DE PAGO SA</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FOUNDING</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PAYMENT ENTITIES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18.11%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18.11%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30-Apr-18</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATED</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=20% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SOLARISBANK AG</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ACQUISITION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18.76%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18.76%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">01-Oct-18</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATED</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=20% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">ANTHEMIS BBVA VENTURE PARTNERSHIP LLP</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FOUNDING</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">01-Dec-18</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=20% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMPA&#209;IA PERUANA DE
  MEDIOS DE PAGO SAC (VISANET PERU)</font></font></p>
  </td>
 <td width=10% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">CAPITAL INCREASE</font></font></p>
  </td>
 <td width=10% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ELECTRONIC MONEY
  ENTITIES</font></font></p>
  </td>
 <td nowrap width=10% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">0.68%</font></font></p>
  </td>
 <td nowrap width=10% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.96%</font></font></p>
  </td>
 <td nowrap width=10% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">01-Aug-18</font></font></p>
  </td>
 <td width=10% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATED</font></font></p>
  </td>
 </tr>
</table></div>



<h3 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><a name="_Toc106104"></a><font color=#002060 style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;line-height:115%;">Changes and notification of
participations in the BBVA Group in 2018 (continued)</font></b></font></h3>

<h3 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font color=#002060 style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:115%;">Disposal or
Reduction of Interest Ownership in Associates and Joint-Ventures Companies
Accounted for Under the Equity Method</font></b></font></h3>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_III.4_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:16.5pt;">
  <td valign=bottom width=29% style="border:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 <td colspan=2 width=20% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">% of Voting
  Rights</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td width=29% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Type of
  Transaction</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Profit (Loss)</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">in the Transaction</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">% Participation</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Sold</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">in the Year</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total Voting Rights</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Controlled after the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Disposal</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Effective Date for the Transaction (or Notification Date)</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Category</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO
  F/404180-2 BBVA BANCOMER SERVICIOS GOLF ZIBATA</font></font></p>
  </td>
 <td width=11% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30.00%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15-Feb-18</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SISTARBANC S.R.L.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26.66%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13-Sep-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO F 403853-
  5 BBVA BANCOMER SERVICIOS ZIBATA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15-Feb-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">OPERADORA ZIBATA S.
  DE R.L. DE C.V.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15-Feb-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FERROMOVIL 3000, S.L.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29-May-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FERROMOVIL 9000, S.L.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29-May-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DIVARIAN PROPIEDAD,
  S.A.U.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">80.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10-Oct-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">TELEFONICA FACTORING CHILE, S.A.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24.30%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06-Jul-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">ALTITUDE SOFTWARE SGPS, S.A.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MERGER</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">31.55%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">01-Apr-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">METROVACESA SA</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7.66%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20.85%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06-Feb-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TESTA RESIDENCIAL
  SOCIMI SAU</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE
  INVESTMENT TRUST</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26.87%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21-Dec-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PARQUE RIO
  RESIDENCIAL, S.L.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27-Apr-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">AVANTESPACIA
  INMOBILIARIA, S.L.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30.01%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28-Dec-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BATEC ORTO DISTRIBUCION S.L.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMMERCIAL</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">07-Jun-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HABITATGES CIMIPRO,
  S.L.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12-Mar-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SOLARVOLAR, S.L.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">LIQUIDATION</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">08-Feb-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PROMOCIONES MIES DEL
  VALLE, S.L.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DILUTION EFFECT</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">01-Oct-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TEIN CENTRO
  TECNOLOGICO DEL PLASTICO, S.L.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DILUTION EFFECT</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">01-Sep-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HABITATGES SOCIALS DE
  CALAF S.L</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISPOSAL</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40.00%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">04-Apr-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JOINT VENTURE</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=29% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SR2 SOCIEDAD DE
  MEDIOS DE PAGO S.A.</font></font></p>
  </td>
 <td width=11% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">MERGER</font></font></p>
  </td>
 <td width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PAYMENT ENTITIES</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">28.72%</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">01-Apr-18</font></font></p>
  </td>
 <td nowrap width=10% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">ASSOCIATE</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-267</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_271"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">APPENDIX IV Fully consolidated
subsidiaries with more than 10% owned by non-Group shareholders as of December 31,
2018</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexos.I.IV_IV.1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:25.5pt;">
  <td valign=bottom width=40% style="border:none;border-top:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=15% style="border:none;border-top:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=45% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">% of Voting Rights Controlled by the Bank</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=40% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Activity</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Direct</font></b></font></p>
  </td>
 <td width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Indirect</font></b></font></p>
  </td>
 <td width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA BANCO
  CONTINENTAL SA</font></font></p>
  </td>
 <td width=15% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46.12</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46.12</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANCO PROVINCIAL SA -
  BANCO UNIVERSAL</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BANKING</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1.46</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53.75</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">55.21</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVERSIONES BANPRO
  INTERNATIONAL INC NV</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVESTMENT COMPANY</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">48.00</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">48.00</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PRO-SALUD, C.A.</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NO ACTIVITY</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58.86</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58.86</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INVERSIONES P.H.R.4,
  C.A.</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NO ACTIVITY</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.46</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.46</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">COMERCIALIZADORA
  CORPORATIVA SAC</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FINANCIAL SERVICES </font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">DISTRITO CASTELLANA
  NORTE, S.A.</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75.54</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75.54</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GESTION DE PREVISION
  Y PENSIONES SA</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">PENSION FUND
  MANAGEMENT</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.00</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.00</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">URBANIZADORA SANT
  LLORENC SA</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">NO ACTIVITY</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.60</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.60</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">F/403035-9 BBVA HORIZONTES
  RESIDENCIAL</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">65.00</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">65.00</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">F/253863 EL DESEO
  RESIDENCIAL</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">65.00</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">65.00</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">DATA ARCHITECTURE AND TECHNOLOGY S.L.</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FIDEICOMISO LOTE 6.1
  ZARAGOZA</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">59.99</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">59.99</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">F/11395 FIDEICOMISO
  IRREVOCABLE DE ADMINISTRACION CON DERECHO DE REVERSION</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">REAL ESTATE</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42.40</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42.40</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">VERIDAS DIGITAL AUTHENTICATION SOLUTIONS S.L.</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">51.00</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">GARANTI EMEKLILIK VE HAYAT AS</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">INSURANCES</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">84.91</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">84.91</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FOMENTO Y DESARROLLO
  DE CONJUNTOS RESIDENCIALES S.L.</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.00</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">60.00</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA INFORMATION
  TECHNOLOGY ESPA&#209;A SL</font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">SERVICES</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">76.00</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">76.00</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=bottom width=40% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">JALE PROCAM, S.L. </font></font></p>
  </td>
 <td width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">IN LIQUIDATION</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 <td nowrap width=15% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50.00</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:left;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc481589127"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-268</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_272"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">APPENDIX V BBVA Group&#8217;s structured entities.
Securitization funds</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.V_V.1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td nowrap valign=bottom width=30% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=34% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.75pt;">
  <td width=30% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Securitization
  Fund (consolidated)</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Origination</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Date</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total Securitized</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Exposures at the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Origination Date</font></b></font></p>
  </td>
 <td width=17% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total Securitized</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Exposures as of December 31, 2018 (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">AYT CAIXA SABADELL
  HIPOTECARIO I, FTA</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">07/2008</font></font></p>
  </td>
 <td width=17% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">300</font></font></p>
  </td>
 <td width=17% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">80</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">AYT HIPOTECARIO MIXTO
  IV, FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06/2005</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">AYT HIPOTECARIO
  MIXTO, FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">03/2004</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA CONSUMER AUTO
  2018-1</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06/2018</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">800</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">746</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA CONSUMO 6 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10/2014</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">299</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">54</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA CONSUMO 7 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">07/2015</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,450</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">572</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA CONSUMO 8 FT</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">07/2016</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">700</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">502</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA CONSUMO 9 FT</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">03/2017</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,375</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,229</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA EMPRESAS 4 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">07/2010</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,700</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA LEASING 1 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06/2007</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,500</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA PYME 10 FT</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12/2015</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">780</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">201</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 1 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">02/2007</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,500</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,000</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 10 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06/2011</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,600</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,150</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 11 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06/2012</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,400</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,006</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 12 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12/2013</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,350</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,197</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 13 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">07/2014</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,100</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,138</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 14 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11/2014</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">700</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">488</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 15 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">05/2015</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,000</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,185</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 16 FT</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">05/2016</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,600</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,345</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 17 FT</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11/2016</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,800</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,576</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 18 FT</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11/2017</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,800</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,686</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 2 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">03/2007</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,000</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,858</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 3 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">07/2007</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,000</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,414</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 5 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">05/2008</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,000</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,350</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA RMBS 9 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">04/2010</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,295</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">844</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA VELA SME 2017-1</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06/2017</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,000</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,321</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA VELA SME 2018</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">03/2018</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,950</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,387</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA-5 FTPYME FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11/2006</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,900</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA-6 FTPYME FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06/2007</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FTA TDA-22 MIXTO</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12/2004</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">112</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FTA TDA-27</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12/2006</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">275</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">87</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FTA TDA-28</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">07/2007</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">250</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">88</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GAT ICO FTVPO 1,
  F.T.H</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">jun.-09</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">358</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">84</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">GC FTGENCAT TARRAGONA
  1 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06/2008</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">283</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HIPOCAT 10 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">07/2006</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">291</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HIPOCAT 11 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">03/2007</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,600</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">299</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HIPOCAT 7 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06/2004</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,400</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">221</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HIPOCAT 8 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">05/2005</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">261</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HIPOCAT 9 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11/2005</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,000</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">201</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TDA 19 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">03/2004</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">200</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TDA 20-MIXTO, FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">06/2004</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TDA 23 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">03/2005</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">300</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TDA TARRAGONA 1 FTA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12/2007</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">397</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">116</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=30% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">VELA CORPORATE 2018-1</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA SA</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12/2018</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,000</font></font></p>
  </td>
 <td width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">916</font></font></p>
  </td>
 </tr>
</table></div>




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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:6.0pt;margin-left:0pt;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.V_V.2_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td nowrap valign=bottom width=32% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=17% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=34% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.75pt;">
  <td width=32% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Securitization
  Fund (not consolidated)</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Company</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Origination</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Date</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total Securitized</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Exposures at the</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Origination Date</font></b></font></p>
  </td>
 <td width=17% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total Securitized</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Exposures as of December 31, 2018 (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=32% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">FTA TDA-18 MIXTO</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA, S.A.</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">nov.-03</font></font></p>
  </td>
 <td width=17% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">91</font></font></p>
  </td>
 <td width=17% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">HIPOCAT 6 FTA</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">BBVA, S.A.</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">jul.-03</font></font></p>
  </td>
 <td width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">850</font></font></p>
  </td>
 <td width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">108</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=5 nowrap width=100% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(*)&#160; Solvency scope.</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:8.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:10.0pt;line-height:107%;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc481589125"></a><a name="_Toc106107"></a><a name="_Toc495478177"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-270</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">APPENDIX
VI Details of the outstanding subordinated debt and preferred securities issued
by the Bank or entities in the Group consolidated as of December 31, 2018, 2017
and 201</font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">6</font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;"> &nbsp;</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Outstanding as of December 31, 2018, 2017, and 2016 of
subordinated issues</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.VI_VI.1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td width=31% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=35% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:39.0pt;">
  <td width=31% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Issuer Entity and Issued Date(*)</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currency</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Prevailing Interest Rate </font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">as of December 31, 2018</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:39.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Maturity</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Date</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=31% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Issues in Euros</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BBVA, S.A</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">February-07</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">255</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">255</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.47%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16-Feb-22</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">March-08</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">125</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">125</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">125</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.03%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3-Mar-33</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">July-08</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.20%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4-Jul-23</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">February-14</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7.00%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Perpetual</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">April-14</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,494</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,494</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.50%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11-Apr-24</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">February-15</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.75%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Perpetual</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">April-16</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,000</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,000</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,000</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8.88%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Perpetual</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">February-17</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,000</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">997</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.50%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10-Feb-27</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">February-17</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">165</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">165</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4.00%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24-Feb-32</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">May-17</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">150</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">150</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.54%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24-May-27</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">May-17</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">500</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">500</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.88%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Perpetual</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">September-18</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">990</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.87%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Perpetual</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Various</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">384</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">386</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">277</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=31% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,906</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,171</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,756</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">BBVA SUBORDINATED CAPITAL, S.A.U. (*)</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">October-05</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">99</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">99</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.47%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13-Oct-20</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">April-07</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">68</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">0.57%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4-Apr-22</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">May-08</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.00%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19-May-23</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">July-08</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.11%</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22-Jul-18</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">April-14</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.50%</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11-Apr-24</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=31% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">119</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,737</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=31% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Others</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=31% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total issued in
  Euros</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,906</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,290</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,493</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=7 nowrap width=100% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(*)&#160; The issuances of BBVA Subordinated Capital, S.A.U. are
  jointly, severally and unconditionally guaranteed by the Bank.</font></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-271</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_275"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Outstanding as of December 31, 2018, 2017, and 2016 of
subordinated issues (continued)</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.VI_VI.2_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=35% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=33% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:36.0pt;">
  <td width=35% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Issuer Entity and Issued Date</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currency</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Prevailing Interest Rate </font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">as of December 31, 2018</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Maturity</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Date</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Issues in
  foreign currency</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BBVA, S.A</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">May-13</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,251</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,423</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9.00%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Perpetual</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">March-17</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">105</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.70%</font></font></p>
  </td>
 <td nowrap width=10% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">31-Mar-32</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">November-17</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">873</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">834</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.13%</font></font></p>
  </td>
 <td nowrap width=10% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Perpetual</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">May-18</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">260</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.25%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">29-May-33</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=35% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,238</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,185</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,423</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">May-17</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">CHF</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1.60%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24-May-27</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=35% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">CHF</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BBVA GLOBAL
  FINANCE, LTD. (*)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December-95</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">169</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">162</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">189</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7.00%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1-Dec-25</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=35% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">169</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">162</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">189</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BANCO BILBAO
  VIZCAYA ARGENTARIA, CHILE</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Different issues</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">CLP</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">574</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">609</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Various</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=35% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">CLP</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">574</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">609</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BBVA BANCOMER,
  S.A. de C.V.</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">May-07</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">474</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,01%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17-May-22</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">April-10</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">874</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">831</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">947</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7.25%</font></font></p>
  </td>
 <td nowrap width=10% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22-Apr-20</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">March-11</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,092</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,039</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,184</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.50%</font></font></p>
  </td>
 <td nowrap width=10% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10-Mar-21</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">July-12</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,311</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,247</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,421</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.75%</font></font></p>
  </td>
 <td nowrap width=10% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30-Sep-22</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">November-14</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">175</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">166</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">189</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.35%</font></font></p>
  </td>
 <td nowrap width=10% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">12-Nov-29</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Jan-18</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">874</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.13%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18-Jan-33</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=35% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,325</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,283</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,214</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BBVA PARAGUAY</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">November-14</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.75%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">05-Nov-21</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">November-15</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.70%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22-Nov-22</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=35% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">38</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">43</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">TEXAS REGIONAL STATUTORY TRUST I</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">February-04</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">47</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.13%</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17-Mar-34</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=35% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">47</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=7 nowrap width=100% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">(*)&#160; The issuances of BBVA Global Finance, Ltd, are guaranteed
  (secondary liability) by the Bank</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-272</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Outstanding
as of December 31, 2018, 2017, </font></b></font><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">and</font></b></font><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">
2016 of subordinated issues</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.VI_VI.3_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=28% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=12% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=36% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Millions of
  Euros</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:44.25pt;">
  <td width=28% style="border:none;border-bottom:solid black 1.0pt;height:44.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Issuer Entity and Issued Date (continued)</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:44.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currency</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:44.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:44.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:44.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:44.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Prevailing Interest Rate </font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">as of December 31, 2018</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:44.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Maturity</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Date</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">STATE NATIONAL CAPITAL TRUST I</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">July-03</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.32%</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30-Sep-33</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=28% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">STATE NATIONAL STATUTORY TRUST II</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">March-04</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.07%</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17-Mar-34</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=28% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">TEXASBANC
  CAPITAL TRUST I</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">June-04</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.88%</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">23-Jul-34</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=28% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COMPASS BANK</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">March-05</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">199</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">190</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">212</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.50%</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1-Apr-20</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">March-06</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">65</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.90%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1-Apr-26</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">September-07</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">332</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.40%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1-Oct-17</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">April-15</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">611</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">584</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">655</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.88%</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10-Apr-25</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=28% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">872</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">833</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,264</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BBVA COLOMBIA,
  S.A.</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">September-11</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COP</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8.31%</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19-Sep-18</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">September-11</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COP</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8.48%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19-Sep-21</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">September-11</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COP</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">42</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">44</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8.72%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19-Sep-26</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">February-13</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COP</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">63</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7.65%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19-Feb-23</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">February-13</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COP</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">44</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7.93%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19-Feb-28</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">November-14</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COP</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8.53%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26-Nov-26</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">November-14</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COP</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8.41%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26-Nov-34</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">January-00</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COP</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December-15</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COP</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=28% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COP</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">215</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">273</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">308</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">April-15</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">332</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">313</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">379</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4.88%</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21-Apr-25</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=28% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">332</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">313</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">379</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BANCO
  CONTINENTAL, S.A.</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">September-07</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2.16%</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24-Sep-17</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=28% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">May-07</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PEN</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.85%</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7-May-22</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">May-07</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PEN</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.00%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14-May-27</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">June-07</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PEN</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.47%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18-Jun-32</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">November-07</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PEN</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.56%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19-Nov-32</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">February-08</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PEN</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.47%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28-Feb-28</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">July-08</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PEN</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.06%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8-Jul-23</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">September-08</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PEN</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3.09%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9-Sep-23</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December-08</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PEN</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4.19%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15-Dec-33</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">October-13</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PEN</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">40</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.53%</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2-oct.-28</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">September-14</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PEN</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">252</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">244</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">273</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5.25%</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22-sep.-29</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=28% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PEN</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">410</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">395</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">451</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">TURKIYE GARANTI
  BANKASI A.S</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=28% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">May-17</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">652</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">623</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6.13%</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24-May-27</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=28% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">652</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">623</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#2DCCCD face=Arial,sans-serif style="border:none;"><b><font color=#2DCCCD face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=28% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Total issues in foreign currencies(Millions of Euros)</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,274</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,695</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,994</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-273</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_277"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><b><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Outstanding
as of December 31, 2018, 2017, and 2016 of subordinated issues (Millions of
euros)</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.VI_VI.4_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=18% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=18% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=18% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Issuer Entity and Issued Date</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currency</font></b></font></p>
  </td>
 <td width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Amount Issued</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currency</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Amount Issued</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currency</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Amount Issued</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BBVA S.A</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2007</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BBVA COLOMBIA SA</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 1993</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">COP</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PESO COL</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">PESO COL</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">BBVA PARAGUAY,
  S.A.</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">September 2005</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">86</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">September 2006</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">164</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">April 2007</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">569</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">BBVA International Preferred, S.A.U.</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">July 2007</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">GBP</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">GBP</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">GBP</font></font></p>
  </td>
 <td nowrap width=9% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">36</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Phoenix Loan
  Holdings Inc.</font></b></font></p>
  </td>
 <td nowrap width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&#160;December 2000</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Caixa Terrasa
  Societat de Participacion</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">August 2005</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">51</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">51</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Caixasabadell
  Preferents, S.A.</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=46% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2004</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">July 2006</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">EUR</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Others</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1</font></b></font></p>
  </td>
 </tr>
</table></div>




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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc481589126"></a><a name="_Toc495478178"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">APPENDIX VII Consolidated balance sheets held in foreign currency
as of December 31, 2018, 2017 and 2016.</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.VII_1dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2018
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=32% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexican</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Pesos</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkish Lira</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other Foreign</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currencies</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total Foreign</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currencies</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=32% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Assets </font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=32% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15,184</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,869</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">476</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,547</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28,076</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=32% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,133</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15,500</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">366</font></font></p>
  </td>
 <td nowrap width=13% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,614</font></font></p>
  </td>
 <td nowrap width=13% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22,614</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td valign=bottom width=32% style="height:18.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Non- Trading financial assets mandatorily at fair value through profit
  or loss</font></font></p>
  </td>
 <td nowrap width=14% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">650</font></font></p>
  </td>
 <td nowrap width=14% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,303</font></font></p>
  </td>
 <td nowrap width=14% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=13% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=13% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,014</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td valign=bottom width=32% style="height:18.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets at fair value through comprehensive income</font></font></p>
  </td>
 <td nowrap width=14% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,566</font></font></p>
  </td>
 <td nowrap width=14% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,704</font></font></p>
  </td>
 <td nowrap width=14% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,031</font></font></p>
  </td>
 <td nowrap width=13% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,931</font></font></p>
  </td>
 <td nowrap width=13% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27,232</font></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=32% style="height:19.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets at amortized cost</font></font></p>
  </td>
 <td nowrap width=14% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">101,366</font></font></p>
  </td>
 <td nowrap width=14% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">47,550</font></font></p>
  </td>
 <td nowrap width=14% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28,094</font></font></p>
  </td>
 <td nowrap width=13% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34,075</font></font></p>
  </td>
 <td nowrap width=13% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">211,085</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=32% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Joint ventures and
  associates</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">54</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">267</font></font></p>
  </td>
 <td nowrap width=13% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">326</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=32% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">670</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,964</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,007</font></font></p>
  </td>
 <td nowrap width=13% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">850</font></font></p>
  </td>
 <td nowrap width=13% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,490</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=32% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other assets</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,444</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,911</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,361</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,879</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">10,595</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=32% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">141,019</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">81,856</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34,336</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">50,221</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">307,433</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=32% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Liabilities </font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=32% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities held for trading</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,372</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">13,626</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">360</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,507</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,864</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=32% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities at amortized cost</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">136,307</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">48,169</font></font></p>
  </td>
 <td nowrap width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">20,878</font></font></p>
  </td>
 <td nowrap width=13% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">37,342</font></font></p>
  </td>
 <td nowrap width=13% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">242,696</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=32% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other liabilities</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,874</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">6,081</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">750</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,200</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,904</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=32% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">142,552</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">67,876</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">21,987</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46,049</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">278,464</font></b></font></p>
  </td>
 </tr>
</table></div>




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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.VII_VII.1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2017
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=45% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexican</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Pesos</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkish Lira</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other Foreign</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currencies</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total Foreign</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currencies</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=45% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">17,111</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,699</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">827</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,264</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">26,902</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,085</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14,961</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">484</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,583</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">22,113</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Available-for-sale financial assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">14,218</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,051</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,904</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,010</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30,183</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Loans and receivables</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">93,069</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">39,717</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">32,808</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34,488</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">200,081</font></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=45% style="height:19.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Investments in entities accounted for using the equity method</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">124</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">147</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">276</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">659</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,953</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,289</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">673</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,573</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,309</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,041</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,426</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18,662</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">35,438</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=45% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">134,456</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">74,546</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">44,738</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">65,826</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">319,566</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Liabilities</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">935</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,714</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">506</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">533</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">7,688</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities at amortized cost</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">135,546</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">51,492</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">27,079</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">39,062</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">253,178</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,907</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,720</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,039</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">16,593</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30,259</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=45% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">140,387</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">65,926</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28,623</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">56,188</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">291,124</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-276</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_280"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.VII_VII.2anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=45% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">USD</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Mexican</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Pesos</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Turkish Lira</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other Foreign</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currencies</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total Foreign</font></b></font></p>
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Currencies</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Assets</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=45% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Cash, cash balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15,436</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,947</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">426</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,547</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">25,357</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial assets held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,048</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">15,541</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">732</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,695</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">24,016</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Available-for-sale financial assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">18,525</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">9,458</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,889</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,658</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">38,530</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Loans and receivables</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">109,167</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">41,344</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">34,425</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">46,629</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">231,565</font></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=45% style="height:19.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Investments in entities accounted for using the equity method</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">135</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">106</font></font></p>
  </td>
 <td nowrap width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">247</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">788</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">2,200</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,376</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">844</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,207</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other assets</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,482</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,214</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,219</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">4,358</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">19,273</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=45% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">153,451</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">78,839</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">47,066</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">64,839</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">344,194</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Liabilities</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities held for trading</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">3,908</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">5,957</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">693</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,426</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">11,983</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;line-height:normal;">Financial liabilities at amortized cost</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">150,035</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53,185</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">28,467</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">53,858</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">285,546</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Other liabilities</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,812</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">8,774</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,418</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">1,957</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">123,961</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=45% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">155,755</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">67,916</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">30,578</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">57,241</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;line-height:normal;">311,490</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>



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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">APPENDIX
VIII. Quantitative information on refinancing and restructuring operations and
other requirement under Bank of Spain Circular 6/2012</font></b></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">a)&#160;&#160; Quantitative
information on refinancing and restructuring operations</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of refinancing
and restructuring operations as of December 31, 2018, 2017 and 2016 is as
follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_001a_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:19.5pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-top:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=7 width=74% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">DECEMBER 2018 BALANCE OF FORBEARANCE</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160; (Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=26% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=7 width=74% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TOTAL</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap valign=bottom width=26% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Unsecured
  loans</font></b></font></p>
  </td>
 <td colspan=4 width=43% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Secured loans</font></b></font></p>
  </td>
 <td rowspan=3 width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Accumulated impairment or accumulated losses in fair value due
  to credit risk</font></b></font></p>
  </td>
 </tr>
<tr style="height:26.25pt;">
  <td nowrap valign=bottom width=26% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="border:none;height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-top:solid black 1.0pt;height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Maximum amount of secured loans that can be considered</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Real estate
  mortgage secured</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest of
  secured loans</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=26% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td width=10% style="border:none;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=26% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General Governments</font></font></p>
  </td>
 <td width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">75</font></font></p>
  </td>
 <td width=11% style="height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">111</font></font></p>
  </td>
 <td width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td width=11% style="height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td width=11% style="height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">52</font></font></p>
  </td>
 <td width=10% style="height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td width=26% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other financial corporations and individual entrepreneurs (financial
  business)</font></font></p>
  </td>
 <td width=10% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">252</font></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29,360</font></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td width=10% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:26.25pt;">
  <td width=26% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-financial corporations and individual entrepreneurs (corporate
  non-financial activities)</font></font></p>
  </td>
 <td width=10% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">44,271</font></font></p>
  </td>
 <td width=11% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,483</font></font></p>
  </td>
 <td width=11% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,493</font></font></p>
  </td>
 <td width=11% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,177</font></font></p>
  </td>
 <td width=11% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,200</font></font></p>
  </td>
 <td width=10% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">221</font></font></p>
  </td>
 <td width=10% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,148</font></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td width=26% style="height:20.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Of which: financing the construction and property (including
  land)</font></i></font></p>
  </td>
 <td width=10% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">734</font></i></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">258</font></i></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,627</font></i></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">962</font></i></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">501</font></i></font></p>
  </td>
 <td width=10% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></i></font></p>
  </td>
 <td width=10% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">517</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest homes (*)</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">193,061</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,326</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">355,466</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,990</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,083</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">150</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,716</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">237,659</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,933</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">400,365</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,236</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,338</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">371</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,885</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_001b_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:17.25pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-top:solid black 1.0pt;height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=7 width=74% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Of&#160; which:&#160;
  IMPAIRED</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=26% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Unsecured
  loans</font></b></font></p>
  </td>
 <td colspan=4 width=43% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Secured loans</font></b></font></p>
  </td>
 <td rowspan=3 width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Accumulated impairment or accumulated losses in fair value due
  to credit risk</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td nowrap valign=bottom width=26% style="height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="border:none;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-top:solid black 1.0pt;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Maximum amount of secured loans that can be considered</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Real estate
  mortgage secured</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest of
  secured loans</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=26% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td width=10% style="border:none;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=26% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General Governments</font></font></p>
  </td>
 <td width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">46</font></font></p>
  </td>
 <td width=11% style="height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">65</font></font></p>
  </td>
 <td width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td width=11% style="height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td width=11% style="height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td width=10% style="height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10</font></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td width=26% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other financial corporations and individual entrepreneurs (financial
  business)</font></font></p>
  </td>
 <td width=10% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">133</font></font></p>
  </td>
 <td width=11% style="height:19.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td width=11% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29,320</font></font></p>
  </td>
 <td width=11% style="height:19.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td width=11% style="height:19.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=10% style="height:19.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:19.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:26.25pt;">
  <td width=26% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-financial corporations and individual entrepreneurs (corporate
  non-financial activities)</font></font></p>
  </td>
 <td width=10% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25,420</font></font></p>
  </td>
 <td width=11% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,723</font></font></p>
  </td>
 <td width=11% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,922</font></font></p>
  </td>
 <td width=11% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,777</font></font></p>
  </td>
 <td width=11% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,192</font></font></p>
  </td>
 <td width=10% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">100</font></font></p>
  </td>
 <td width=10% style="height:26.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,773</font></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td width=26% style="height:20.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Of which: financing the construction and property (including
  land)</font></i></font></p>
  </td>
 <td width=10% style="height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">631</font></i></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">200</font></i></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,145</font></i></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">656</font></i></font></p>
  </td>
 <td width=11% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">254</font></i></font></p>
  </td>
 <td width=10% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></i></font></p>
  </td>
 <td width=10% style="height:20.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">477</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest homes (*)</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">116,916</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">741</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">42,403</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,673</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,435</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,414</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">142,515</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,533</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">81,657</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,470</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,636</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">126</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,202</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160; Number of operations does not
include Garanti Bank.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:0cm;margin-top:3.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Includes mortgage-backed
real estate operations with loan to value ratio of greater than 1, and secured
operations, other than transactions secured by real estate mortgage regardless
of their loan to value ratio.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:0cm;margin-top:3.0pt;text-align:justify;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">The accumulated impairment or accumulated losses in fair
value due to credit risk correspond to &#8364;682 million of collective impairment
losses and &#8364;4,202 million of specific impairment losses.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-278</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_282"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_003a_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:19.5pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-top:solid black 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=7 width=74% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">DECEMBER 2017 BALANCE OF FORBEARANCE</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160; (Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=26% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=7 width=74% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TOTAL</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap valign=bottom width=26% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Unsecured
  loans</font></b></font></p>
  </td>
 <td colspan=4 width=42% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Secured loans</font></b></font></p>
  </td>
 <td rowspan=3 width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Accumulated impairment or accumulated losses in fair value due
  to credit risk</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap valign=bottom width=26% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-top:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="border:none;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Maximum amount of secured loans that can be considered</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Real estate
  mortgage secured</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest of
  secured loans</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=26% style="border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=26% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General Governments</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">69</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">105</font></font></p>
  </td>
 <td width=10% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">135</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">430</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">112</font></font></p>
  </td>
 <td width=10% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">302</font></font></p>
  </td>
 <td width=10% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=26% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other financial corporations and individual entrepreneurs (financial
  business)</font></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,727</font></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">36</font></font></p>
  </td>
 <td width=10% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">93</font></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td width=10% style="height:18.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:18.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">21</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=26% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-financial corporations and individual entrepreneurs (corporate
  non-financial activities)</font></font></p>
  </td>
 <td width=11% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">113,464</font></font></p>
  </td>
 <td width=11% style="height:25.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,672</font></font></p>
  </td>
 <td width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">17,890</font></font></p>
  </td>
 <td width=11% style="height:25.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,258</font></font></p>
  </td>
 <td width=11% style="height:25.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,182</font></font></p>
  </td>
 <td width=10% style="height:25.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">251</font></font></p>
  </td>
 <td width=10% style="height:25.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,579</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=26% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Of which: financing the construction and property (including
  land)</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,812</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">398</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,495</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,345</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,995</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,327</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest homes (*)</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">163,101</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,325</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">109,776</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,477</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,891</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,373</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">281,361</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,138</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">127,894</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,173</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,186</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">571</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,991</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_003b_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.75pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-top:solid black 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=7 width=74% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Of&#160; which:&#160;
  IMPAIRED</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=26% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Unsecured
  loans</font></b></font></p>
  </td>
 <td colspan=4 width=42% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Secured loans</font></b></font></p>
  </td>
 <td rowspan=3 width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Accumulated impairment or accumulated losses in fair value due
  to credit risk</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.75pt;">
  <td nowrap valign=bottom width=26% style="height:30.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:30.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-top:solid black 1.0pt;height:30.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="border:none;height:30.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:30.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:30.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Maximum amount of secured loans that can be considered</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Real estate
  mortgage secured</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest of
  secured loans</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=26% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td width=11% style="border:none;height:14.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:14.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:14.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:14.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:14.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:14.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:14.25pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=26% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General Governments</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">50</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">72</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">45</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td width=11% style="height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:13.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=26% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other financial corporations and individual entrepreneurs (financial
  business)</font></font></p>
  </td>
 <td width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">126</font></font></p>
  </td>
 <td width=11% style="height:21.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td width=10% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td width=11% style="height:21.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">+</font></font></p>
  </td>
 <td width=10% style="height:21.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:21.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=26% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-financial corporations and individual entrepreneurs (corporate
  non-financial activities)</font></font></p>
  </td>
 <td width=11% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">95,427</font></font></p>
  </td>
 <td width=11% style="height:25.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,791</font></font></p>
  </td>
 <td width=10% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">10,994</font></font></p>
  </td>
 <td width=11% style="height:25.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,144</font></font></p>
  </td>
 <td width=11% style="height:25.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,983</font></font></p>
  </td>
 <td width=10% style="height:25.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">66</font></font></p>
  </td>
 <td width=10% style="height:25.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,361</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=26% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Of which: financing the construction and property (including
  land)</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,538</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">208</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,779</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,961</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,273</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,282</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest homes (*)</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">105,468</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">747</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47,612</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,330</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,270</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,231</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">201,071</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,615</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">58,667</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,506</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,275</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">72</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,612</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160; Number of operations does not
include Garanti Bank.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:1.05pt;margin-top:3.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Includes
mortgage-backed real estate operations with loan to value ratio of greater than
1, and secured operations, other than transactions secured by real estate
mortgage regardless of their loan to value ratio.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:1.05pt;margin-top:3.0pt;text-align:justify;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">The accumulated impairment or accumulated losses in fair
value due to credit risk correspond to &#8364;378 million of collective impairment
losses and &#8364;4,612 million of specific impairment losses. </font></font></p>

<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:8.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:107%;">&nbsp;</font></font></p>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_004aanual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:21.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-top:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=7 width=74% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">DECEMBER 2016 BALANCE OF FORBEARANCE</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160; (Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=26% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=7 width=74% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">TOTAL</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td nowrap valign=bottom width=26% style="height:24.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Unsecured
  loans</font></b></font></p>
  </td>
 <td colspan=4 width=42% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Secured loans</font></b></font></p>
  </td>
 <td rowspan=3 width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Accumulated impairment or accumulated losses in fair value due
  to credit risk</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td nowrap valign=bottom width=26% style="height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-top:solid black 1.0pt;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=20% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Maximum amount of secured loans that can be considered</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.95pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Real estate
  mortgage secured</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:24.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest of
  secured loans</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=26% style="border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=26% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General Governments</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">112</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">711</font></font></p>
  </td>
 <td width=10% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td width=10% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">584</font></font></p>
  </td>
 <td width=10% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=26% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other financial corporations and individual entrepreneurs (financial
  business)</font></font></p>
  </td>
 <td width=11% style="height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,349</font></font></p>
  </td>
 <td width=11% style="height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">59</font></font></p>
  </td>
 <td width=11% style="height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td width=11% style="height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td width=10% style="height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td width=10% style="height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td width=26% style="height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-financial corporations and individual entrepreneurs (corporate
  non-financial activities)</font></font></p>
  </td>
 <td width=11% style="height:28.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">125,328</font></font></p>
  </td>
 <td width=11% style="height:28.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,057</font></font></p>
  </td>
 <td width=11% style="height:28.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">25,327</font></font></p>
  </td>
 <td width=11% style="height:28.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,643</font></font></p>
  </td>
 <td width=10% style="height:28.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,844</font></font></p>
  </td>
 <td width=10% style="height:28.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">124</font></font></p>
  </td>
 <td width=10% style="height:28.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,310</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=26% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Of which: financing the construction and property (including
  land)</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,519</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">496</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,102</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,395</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">694</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,552</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest homes (*)</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">116,961</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,550</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">103,868</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,243</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,628</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,474</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">245,662</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,674</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">129,378</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">19,615</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12,576</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">726</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,798</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_004banual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-top:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=7 width=74% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Of&#160; which:&#160;
  IMPAIRED</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=26% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Unsecured
  loans</font></b></font></p>
  </td>
 <td colspan=4 width=42% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Secured loans</font></b></font></p>
  </td>
 <td rowspan=3 width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Accumulated impairment or accumulated losses in fair value due
  to credit risk</font></b></font></p>
  </td>
 </tr>
<tr style="height:32.25pt;">
  <td nowrap valign=bottom width=26% style="height:32.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:32.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-top:solid black 1.0pt;height:32.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:32.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:32.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=20% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Maximum amount of secured loans that can be considered</font></b></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Number of
  operations</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross
  carrying amount</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Real estate
  mortgage secured</font></b></font></p>
  </td>
 <td width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest of
  secured loans</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=26% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td width=11% style="border:none;height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=11% style="border:none;height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="border:none;height:18.0pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=26% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">General Governments</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td width=11% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">33</font></font></p>
  </td>
 <td width=10% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td width=10% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=26% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Other financial corporations and individual entrepreneurs (financial
  business)</font></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">131</font></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=26% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Non-financial corporations and individual entrepreneurs (corporate
  non-financial activities)</font></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">103,310</font></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,857</font></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">16,327</font></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,924</font></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,002</font></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,986</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=26% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Of which: financing the construction and property (including
  land)</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,191</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">304</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,188</font></i></font></p>
  </td>
 <td width=11% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,848</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">494</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">-</font></i></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,499</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest homes (*)</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">72,199</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">672</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">47,767</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,366</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,271</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,285</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">175,652</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,545</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">64,169</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11,325</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,300</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">57</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,281</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160; Number of operations does not
include Garanti Bank.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:1.05pt;margin-top:3.0pt;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Includes
mortgage-backed real estate operations with loan to value ratio of greater than
1, and secured operations, other than transactions secured by real estate
mortgage regardless of their loan to value ratio.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:1.05pt;margin-top:3.0pt;text-align:justify;text-indent:0cm;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">The accumulated impairment or accumulated losses in fair
value due to credit risk correspond to &#8364;517 million of collective impairment
losses and &#8364;6,281 million of specific impairment losses.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-280</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_284"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In
addition to the restructuring and refinancing transactions mentioned in this
section, loans that were not considered impaired or renegotiated have been
modified based on the criteria set out in the accounting regulation that
applies. These loans have not been classified as renegotiated or impaired,
since they were modified for commercial or competitive reasons (for instance,
to improve relationships with clients) rather than for economic or legal
reasons relating to the borrower's financial situation.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below provides a roll forward of
refinanced assets during 2018 and 2017:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_011_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Refinanced assets Roll forward. December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=31% style="border:none;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=24% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Stages
  1&amp;2</font></b></font></p>
  </td>
 <td colspan=2 width=23% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Stage 3</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">TOTAL</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=31% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Risk</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Coverage</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Risk</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Coverage</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Risk</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Coverage</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=31% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning </font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,191</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">378</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,120</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,612</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,311</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,991</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td valign=bottom width=31% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(+) Additions</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,599</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">397</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,417</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">767</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,017</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,164</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(-) Decreases
  (payments or repayments)</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,098)</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(47)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,280)</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,282)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(3,378)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,330)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(-) Foreclosures</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&#160;-&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&#160;-&nbsp;</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(339)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(216)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(339)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(216)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=31% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(-) Write-offs</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(857)</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(606)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(859)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(607)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=31% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(+)/(-) Other</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,524)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(45)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(58)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">927</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,582)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">882</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=31% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Ending Balance</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,166</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">682</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,003</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,202</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,169</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,885</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_013_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Refinanced assets Roll forward. December 2017 (*) (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=31% style="border:none;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=24% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Normal</font></b></font></p>
  </td>
 <td colspan=2 width=23% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Impaired</font></b></font></p>
  </td>
 <td colspan=2 width=22% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">TOTAL</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=31% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Risk</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Coverage</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Risk</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Coverage</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Risk</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Coverage</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=31% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Balance at the
  beginning </font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,418</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">517</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,869</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,281</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,288</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,798</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td valign=bottom width=31% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(+) Additions</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,095</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">182</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,614</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">599</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,709</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">781</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=31% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(-) Decreases
  (payments or repayments)</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,462)</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(145)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,754)</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,180)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(5,216)</font></font></p>
  </td>
 <td nowrap width=11% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,325)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=31% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(-) Foreclosures</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(463)</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(267)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(465)</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(267)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=31% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(-) Write-offs</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(63)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,667)</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,413)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,730)</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(1,415)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=31% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(+)/(-) Other</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,795)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(174)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">521</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">593</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(2,275)</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">419</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=31% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Ending Balance</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,191</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">378</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,120</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,612</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,311</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,991</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*) &#160;Data
presenting under the accounting regulation that applied in 2017.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below provides a
breakdown by segments of the forbearance operations (net of provisions) as of
December 31, 2018 and 2017:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_181_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Forbearance operations. Breakdown by segments (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td nowrap width=41% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=41% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=41% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central governments</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">160</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">518</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">713</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td valign=bottom width=41% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Other financial corporations and individual entrepreneurs (financial
  activity)</font></font></p>
  </td>
 <td nowrap width=20% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=20% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=19% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td valign=bottom width=41% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-financial corporations and individual entrepreneurs (non-financial
  activity)</font></font></p>
  </td>
 <td nowrap width=20% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,512</font></font></p>
  </td>
 <td nowrap width=20% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,351</font></font></p>
  </td>
 <td nowrap width=19% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,390</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=41% style="height:21.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Of which: Financing the construction and property development
  (including land)</font></i></font></p>
  </td>
 <td nowrap width=20% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">702</font></i></font></p>
  </td>
 <td nowrap width=20% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,416</font></i></font></p>
  </td>
 <td nowrap width=19% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,339</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=41% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Households</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,600</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,428</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,319</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=41% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total carrying amount</font></b></font></p>
  </td>
 <td nowrap width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,284</font></b></font></p>
  </td>
 <td nowrap width=20% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,321</font></b></font></p>
  </td>
 <td nowrap width=19% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,491</font></b></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td valign=bottom width=41% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financing classified as non-current assets and disposal groups held for
  sale</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-281</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_285"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">NPL ratio by type of renegotiated loan</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The non performing ratio of the
renegotiated portfolio is defined as the impaired balance of renegotiated loans
that shows signs of difficulties as of the closing of the reporting period,
divided by the total payment outstanding in that portfolio.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, the
non performing ratio for each of the portfolios of renegotiated loans is as
follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_021_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2018. NPL ratio renegotiated loan portfolio</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=68% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=32% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Ratio of Impaired loans - Past due</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=68% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=32% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=68% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commercial</font></font></p>
  </td>
 <td nowrap width=32% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">64%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=68% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Of which: Construction and developer</font></font></p>
  </td>
 <td nowrap width=32% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">70%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=68% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other consumer</font></font></p>
  </td>
 <td nowrap width=32% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53%</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_023_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2017. NPL ratio renegotiated loan portfolio</font></font></p>
  </td>
 </tr>
<tr style="height:31.5pt;">
  <td nowrap width=68% style="border:none;border-bottom:solid black 1.0pt;height:31.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=32% style="border:none;border-bottom:solid black 1.0pt;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Ratio of Impaired loans - Past due</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=68% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=32% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=68% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Commercial</font></font></p>
  </td>
 <td nowrap width=32% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=68% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Of which: Construction and developer</font></font></p>
  </td>
 <td nowrap width=32% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">79%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=68% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other consumer</font></font></p>
  </td>
 <td nowrap width=32% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">52%</font></font></p>
  </td>
 </tr>
</table></div>





<font face=BBVABentonSansLight style="border:none;">
&nbsp;</font>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-282</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_286"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:avoid;text-align:justify;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">b)&#160;&#160; Qualitative information on the concentration of
risk by activity and guarantees</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:21.3pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font color=#006EC1 face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Loans and advances to customers by activity (carrying amount) </font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_031_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018
  (Millions OF Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td valign=top width=32% style="border:none;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=5 width=41% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Collateralized loans and receivables -Loans and advances to
  customers. </font></b></font><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loan to value</font></b></font></p>
  </td>
 </tr>
<tr style="height:42.75pt;">
  <td nowrap width=32% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total (*)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which: Mortgage
  loans</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Secured loans</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Less than or equal to 40%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 40% but less than or equal to 60%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 60% but less than or equal to 80%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 80% but less than or equal to 100%</font></b></font></p>
  </td>
 <td width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 100%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=32% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 General governments</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,488</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,056</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,750</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,729</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,856</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,119</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,514</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">588</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 Other financial
  institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,802</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">233</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,549</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,167</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">221</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">93</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,209</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">92</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">3 Non-financial institutions and individual entrepreneurs</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">173,493</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,001</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,371</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,211</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,121</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,793</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,087</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,160</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.1 Construction
  and property development </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,323</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,226</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,539</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,979</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,556</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,140</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">486</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">605</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.2 Construction of
  civil works</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,775</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,082</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">620</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">703</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">285</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">195</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">200</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">319</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3 Other purposes</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">151,394</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,694</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,212</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,529</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,281</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,459</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,401</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,235</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.1 Large
  companies </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">97,132</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,912</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,069</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,918</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,979</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,019</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,245</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,820</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.2 SMEs (**) and
  individual entrepreneurs </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,262</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,782</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,143</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,611</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,302</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,440</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,156</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,416</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">4 Rest of households and NPISHs (***)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">163,068</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">109,578</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,854</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,974</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,860</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33,200</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,490</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,908</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.1 Housing </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">111,007</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">105,817</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,419</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,981</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,384</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,122</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,345</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,404</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.2 Consumption </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,124</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">522</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,600</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">489</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">587</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">306</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,597</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">142</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=32% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3 Other purposes </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,938</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,239</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">835</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,505</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">888</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">772</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">547</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">362</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=32% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6&#160;&#160;&#160; TOTAL</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">387,850</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">139,868</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,524</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50,082</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">41,058</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44,206</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">41,300</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,747</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=32% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">MEMORANDUM:</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Forbearance
  operations (****)</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,284</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,325</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">523</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,508</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,421</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,769</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,527</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,623</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160;&#160;&#160; The amounts included in this table are net of impairment
losses.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(**) &#160;&#160;Small and medium enterprises</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(***)&#160; Nonprofit institutions serving households.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(****) Net of provisions
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-283</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_287"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_033_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=top width=33% style="border:none;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=5 width=40% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Collateralized Credit Risk. Loan to value</font></b></font></p>
  </td>
 </tr>
<tr style="height:45.0pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total (*)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Mortgage loans</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Secured loans</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Less than or equal to 40%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 40% but less than or equal to 60%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 60% but less than or equal to 80%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 80% but less than or equal to 100%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 100%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 General governments</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,294</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">998</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,167</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,540</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">179</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">475</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">532</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,440</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 Other financial institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,669</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">319</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,910</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">314</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">277</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">106</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,349</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,183</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">3 Non-financial institutions and individual entrepreneurs</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">172,338</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39,722</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,793</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,697</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,878</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,183</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,167</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,591</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.1 Construction
  and property development </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,599</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,664</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,066</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,518</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">876</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,049</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,313</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,974</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.2 Construction of
  civil works</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,733</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,404</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">521</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">449</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">358</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">289</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">162</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">667</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3 Other purposes</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">150,006</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,654</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,206</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,729</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,644</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,845</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,692</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,950</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.1 Large
  companies </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">93,604</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,513</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,868</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,769</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,252</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,023</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,631</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,706</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.2 SMEs (**) and
  individual entrepreneurs </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56,402</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,142</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,338</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,960</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,392</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,823</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,061</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,244</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">4 Rest of households and NPISHs (***)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">165,024</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">114,558</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,395</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,762</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,807</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,595</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,122</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,667</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.1 Housing </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">114,709</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">111,604</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">128</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,251</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,222</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,029</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,154</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,076</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.2 Consumption </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,705</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">670</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,784</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,058</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">256</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">192</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">316</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,632</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3 Other purposes </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,609</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,284</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,483</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">452</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">330</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">374</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">652</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,959</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=33% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6&#160;&#160;&#160; TOTAL</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">388,325</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">155,597</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,266</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33,312</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,142</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,359</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43,170</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71,882</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">MEMORANDUM:</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Forbearance
  operations (****)</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,321</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,584</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,117</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,485</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,315</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,871</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,580</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,451</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160;&#160;&#160; The amounts
included in this table are net of impairment losses.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(**)&#160;&#160; Small and
medium enterprises.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(***)&#160; Nonprofit
institutions serving households.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(****) Net of
provisions.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-284</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_288"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_034anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=31% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=5 width=42% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Collateralized Credit Risk. Loan to value</font></b></font></p>
  </td>
 </tr>
<tr style="height:45.0pt;">
  <td nowrap width=31% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total (*)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Mortgage loans</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Secured loans</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Less than or equal to 40%</font></b></font></p>
  </td>
 <td width=9% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 40% but less than or equal to 60%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 60% but less than or equal to 80%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 80% but less than or equal to 100%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 100%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 General governments</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,820</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,722</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,700</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">380</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">715</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,266</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,740</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,320</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 Other financial institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,181</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">800</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,168</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">650</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">464</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">319</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,846</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">690</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">3 Non-financial institutions and individual entrepreneurs</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">183,871</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47,105</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,663</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,000</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,122</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,667</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,445</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,533</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.1 Construction
  and property development </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,283</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,888</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,736</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,074</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,173</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,843</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,217</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,316</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.2 Construction of
  civil works</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,884</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,920</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">478</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">508</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">547</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">469</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">379</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">494</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3 Other purposes</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">155,704</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,297</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,449</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,417</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,402</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,356</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,850</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,722</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.1 Large
  companies </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">107,550</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,041</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,349</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,311</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,149</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,777</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,160</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,993</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.2 SMEs (**) and
  individual entrepreneurs </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48,154</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,257</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,100</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,106</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,253</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,579</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,689</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,729</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">4 Rest of households and NPISHs (***)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">178,781</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">129,590</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,257</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,906</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,764</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,434</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,254</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,489</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.1 Housing </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">127,606</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">124,427</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">477</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,802</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,120</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,713</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,148</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,122</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.2 Consumption </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44,504</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,181</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,732</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,535</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,278</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,230</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,322</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">547</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=31% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3 Other purposes </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,671</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,982</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,048</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">569</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">366</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">491</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">784</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">820</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=31% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6&#160;&#160;&#160; TOTAL</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">414,654</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">182,216</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39,789</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39,936</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39,065</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47,687</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,286</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37,032</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=31% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">MEMORANDUM:</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Forbearance
  operations (****)</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,491</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,031</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,504</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,703</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,845</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,316</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,091</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,580</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160;&#160;&#160; The amounts
included in this table are net of impairment losses.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(**)&#160;&#160; Small and
medium enterprises.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(***)&#160; Nonprofit
institutions serving households.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(****) Net of provisions.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-285</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_289"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The information of the main
geographic areas is as follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_20F_SMSR.AnexoIX_BBVA.S.A" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2018 (Millions Of Euros) BBVA, S.A.</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=5 width=41% style="border:none;border-bottom:solid #004481 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Collateralized loans and receivables -Loans and advances to
  customers. </font></b></font><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loan to value</font></b></font></p>
  </td>
 </tr>
<tr style="height:56.25pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total (*)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Mortgage loans</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Secured loans</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Less than or equal to 40%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 40% but less than or equal to 60%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 60% but less than or equal to 80%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 80% but less than or equal to 100%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 100%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 General governments</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,828</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">390</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">572</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">68</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">209</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">94</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">575</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 Other financial
  institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,079</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">103</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,161</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">70</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,159</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">3 Non-financial institutions and individual entrepreneurs</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">74,558</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,614</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,592</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,674</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,935</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,622</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,282</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,692</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.1 Construction
  and property development </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,206</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,069</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">544</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">705</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">493</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">199</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">150</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.2 Construction of
  civil works</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,877</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">991</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">70</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">327</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">247</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">178</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">246</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3 Other purposes</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">67,475</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,554</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,500</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,803</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,984</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,952</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,019</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,296</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.1 Large
  companies </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44,529</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,843</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">318</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,086</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">789</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">497</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">272</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">517</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.2 SMEs (**) and
  individual entrepreneurs </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,947</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,711</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,182</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,717</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,195</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,455</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">747</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">779</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">4 Rest of households and NPISHs (***)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">94,129</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">79,755</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">413</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,476</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,737</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,511</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,128</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,315</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.1 Housing </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">79,054</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">77,061</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">136</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,623</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,946</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,768</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,803</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,056</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.2 Consumption </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,321</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">131</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">147</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">77</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3 Other purposes </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,754</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,563</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">130</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">786</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">733</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">667</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">282</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">225</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=33% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6&#160;&#160;&#160; TOTAL</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">202,594</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">92,861</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,738</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,289</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,901</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,231</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,143</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,035</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">MEMORANDUM:</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Forbearance
  operations (****)</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,143</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,308</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">85</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,173</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,189</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,365</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,225</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,441</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160;&#160;&#160; The amounts included in this table are net of impairment
losses.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(**) &#160;&#160;Small and medium enterprises.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(***)&#160; Nonprofit institutions serving households.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(****) Net of provisions.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_20F_SMSR.AnexoIX_Bancomer" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2018 (Millions Of Euros) Bancomer</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=33% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=5 width=41% style="border:none;border-bottom:solid #004481 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Collateralized loans and receivables -Loans and advances to
  customers. </font></b></font><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loan to value</font></b></font></p>
  </td>
 </tr>
<tr style="height:56.25pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total (*)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Mortgage loans</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Secured loans</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Less than or equal to 40%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 40% but less than or equal to 60%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 60% but less than or equal to 80%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 80% but less than or equal to 100%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 100%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 General governments</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,725</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,612</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">762</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">730</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">88</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">720</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">312</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 Other financial institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,279</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">788</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">714</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">3 Non-financial institutions and individual entrepreneurs</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,608</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">85</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,107</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,662</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">833</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">878</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">815</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,004</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.1 Construction
  and property development </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">883</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">547</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">220</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">148</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.2 Construction of
  civil works</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">354</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">257</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">208</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3 Other purposes</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,371</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,303</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,233</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">680</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">781</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">726</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,961</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.1 Large
  companies </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,762</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,918</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,294</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">265</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">571</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">311</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">476</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.2 SMEs (**) and
  individual entrepreneurs </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,609</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,385</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,939</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">415</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">209</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">415</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,485</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">4 Rest of households and NPISHs (***)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,198</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,714</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">901</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,833</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,874</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,847</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">264</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.1 Housing </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,714</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,714</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">900</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,833</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,874</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,847</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">261</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.2 Consumption </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,897</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3 Other purposes </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">587</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=33% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6&#160;&#160;&#160; TOTAL</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49,810</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,804</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,511</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,038</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,409</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,880</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,399</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,589</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">MEMORANDUM:</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Forbearance
  operations (****)</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">486</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">236</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">148</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">128</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">89</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160;&#160;&#160; The amounts included in this table are net of impairment
losses.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(**) &#160;&#160;Small and medium enterprises.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(***)&#160; Nonprofit institutions serving households.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(****) Net of provisions.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-287</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_20F_SMSR.AnexoIX_Compass" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2018 (Millions Of Euros) Compass Bank</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=33% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=5 width=41% style="border:none;border-bottom:solid #004481 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Collateralized loans and receivables -Loans and advances to
  customers. </font></b></font><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loan to value</font></b></font></p>
  </td>
 </tr>
<tr style="height:56.25pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total (*)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Mortgage loans</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Secured loans</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Less than or equal to 40%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 40% but less than or equal to 60%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 60% but less than or equal to 80%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 80% but less than or equal to 100%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 100%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 General governments</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">908</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">693</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">161</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">179</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">163</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">267</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">52</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 Other financial institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,867</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">263</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">253</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">3 Non-financial institutions and individual entrepreneurs</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,998</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,277</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,827</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,035</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,185</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,563</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,337</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,984</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.1 Construction
  and property development </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,002</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,731</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,852</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">924</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,300</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,154</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">81</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">124</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.2 Construction of
  civil works</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">297</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">265</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">150</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3 Other purposes</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,699</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,540</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,711</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,961</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,866</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,405</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,158</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,860</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.1 Large
  companies </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,293</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,790</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,074</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,317</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,331</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,876</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">903</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,438</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.2 SMEs (**) and
  individual entrepreneurs </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,406</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">750</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,637</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">645</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">536</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">529</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">255</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">422</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">4 Rest of households and NPISHs (***)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,971</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,184</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,475</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,934</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,576</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,501</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,609</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.1 Housing </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,364</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,989</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,255</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,198</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,146</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,317</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,559</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.2 Consumption </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,051</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">664</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">169</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">337</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">124</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3 Other purposes </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,556</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">195</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">555</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">566</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">93</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">60</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=33% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6&#160;&#160;&#160; TOTAL</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51,744</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,625</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,259</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,384</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,947</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,244</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,219</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,090</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">MEMORANDUM:</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Forbearance
  operations (****)</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">625</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">241</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">237</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">97</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">213</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">109</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160;&#160;&#160; The amounts included in this table are net of impairment
losses.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(**) &#160;&#160;Small and medium enterprises.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(***)&#160; Nonprofit institutions serving households.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(****) Net of provisions.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-288</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_20F_SMSR.AnexoIX_Garanti" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2018 (Millions Of Euros) Garanti Bank</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=33% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=5 width=41% style="border:none;border-bottom:solid #004481 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Collateralized loans and receivables -Loans and advances to
  customers. </font></b></font><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loan to value</font></b></font></p>
  </td>
 </tr>
<tr style="height:56.25pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total (*)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Mortgage loans</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Secured loans</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Less than or equal to 40%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 40% but less than or equal to 60%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 60% but less than or equal to 80%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 80% but less than or equal to 100%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 100%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 General governments</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">94</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 Other financial institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">529</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">63</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">3 Non-financial institutions and individual entrepreneurs</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,485</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,812</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">427</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,724</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,381</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,901</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">521</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">712</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.1 Construction
  and property development </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,184</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">921</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">238</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">287</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">306</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">83</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">60</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.2 Construction of
  civil works</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,912</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3 Other purposes</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,390</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,891</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">374</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,487</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,094</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,595</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">437</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">652</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.1 Large
  companies </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,900</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,261</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">102</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">877</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">293</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">735</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">182</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">275</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.2 SMEs (**) and
  individual entrepreneurs </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,490</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,630</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">272</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">610</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">800</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">860</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">255</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">377</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">4 Rest of households and NPISHs (***)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,030</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,404</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">958</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,367</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.1 Housing </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,597</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,234</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">902</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,295</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.2 Consumption </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,151</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3 Other purposes </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">281</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">107</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=33% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6&#160;&#160;&#160; TOTAL</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,138</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,279</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">483</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,683</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,769</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,003</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">573</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">733</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">MEMORANDUM:</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Forbearance
  operations (****)</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,372</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">149</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">0</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">65</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160;&#160;&#160; The amounts included in this table are net of impairment
losses.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(**) &#160;&#160;Small and medium enterprises.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(***)&#160; Nonprofit institutions serving households.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(****) Net of provisions.
</font></font></p>


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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-289</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_20F_SMSR.AnexoIX_Other" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2018 (Millions Of Euros) Other Entities</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=33% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td colspan=5 width=41% style="border:none;border-bottom:solid #004481 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Collateralized loans and receivables -Loans and advances to
  customers. </font></b></font><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loan to value</font></b></font></p>
  </td>
 </tr>
<tr style="height:56.25pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total (*)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Mortgage loans</font></b></font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which:
  Secured loans</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Less than or equal to 40%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 40% but less than or equal to 60%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 60% but less than or equal to 80%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 80% but less than or equal to 100%</font></b></font></p>
  </td>
 <td width=8% style="border-bottom:solid #004481 1.0pt;border-left:none;border-right:none;border-top:solid #004481 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 100%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 General governments</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,932</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">538</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,873</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">738</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">737</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">774</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,952</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">209</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2 Other financial institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,048</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">307</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">161</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">3 Non-financial institutions and individual entrepreneurs</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,844</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,214</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,418</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,116</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">787</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">829</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,133</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,767</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.1 Construction
  and property development </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,049</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">500</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">65</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">115</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">60</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">242</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.2 Construction of
  civil works</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">336</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3 Other purposes</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,459</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,632</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,324</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,045</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">658</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">727</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,060</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,466</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.1 Large
  companies </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,648</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,018</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">656</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">344</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">301</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">340</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">576</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,113</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3.3.2 SMEs (**) and
  individual entrepreneurs </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,811</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,613</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">667</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">701</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">356</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">387</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">484</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,353</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">4 Rest of households and NPISHs (***)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,740</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,521</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,934</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,705</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,346</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,242</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,874</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,287</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.1 Housing </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,277</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,818</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,357</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,165</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,128</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,134</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,062</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.2 Consumption </font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,704</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">328</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,763</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">218</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">154</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">93</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,522</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">104</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4.3 Other purposes </font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,759</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">375</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">143</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">130</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">218</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">121</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=33% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6&#160;&#160;&#160; TOTAL</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47,564</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,300</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,533</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,688</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,032</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,847</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,966</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,300</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">MEMORANDUM:</font></i></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=33% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Forbearance
  operations (****)</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">658</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">391</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">52</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">152</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40</font></i></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">113</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160;&#160;&#160; The amounts included in this table are net of impairment
losses.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(**) &#160;&#160;Small and medium enterprises.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(***)&#160; Nonprofit institutions serving households.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(****) Net of provisions.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-290</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_294"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:11.0pt;margin-left:0cm;margin-right:0cm;margin-top:11.0pt;page-break-after:avoid;text-align:justify;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">c) &#160;&#160;Information
on the concentration of risk by activity and geographical areas.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_041_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:34.5pt;">
  <td nowrap width=50% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">TOTAL(*)</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">European
  Union Other</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">America</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=50% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">113,978</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,728</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">33,440</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,234</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,575</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=50% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">123,382</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,686</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,081</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50,092</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,523</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central
  Administration</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87,611</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,691</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,756</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,735</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,428</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,771</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,995</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">325</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,357</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">95</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49,166</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,784</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,977</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,345</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,061</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=50% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-financial institutions and individual entrepreneurs</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">226,487</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">70,536</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,565</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87,419</font></font></p>
  </td>
 <td nowrap width=10% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43,967</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Construction and
  property development </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,697</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,497</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">244</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,113</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,843</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Construction of
  civil works</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,430</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,789</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,535</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,762</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,343</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other purposes</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">197,361</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61,250</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,786</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">75,543</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">37,781</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Large companies </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">137,150</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,964</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,114</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,423</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,649</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">SMEs and individual
  entrepreneurs </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">60,211</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,286</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">672</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,120</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,132</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other households and
  NPISHs</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">163,443</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91,977</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,383</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56,777</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,306</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Housing </font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">111,007</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78,414</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">765</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">28,034</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,794</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Consumer</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,124</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,303</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">629</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,036</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,155</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other purposes </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,312</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,259</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,989</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,707</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">357</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=50% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">TOTAL</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">676,456</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">265,710</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90,447</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">240,867</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">79,432</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160; </font><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The definition of risk for the purpose of this statement
includes the following items on the public balance sheet: Loans and advances to
credit institutions, Loans and advances, Debt securities, Equity instruments,
Other equity securities, Derivatives and hedging derivatives, Investments in
subsidiaries, joint ventures and associates and guarantees given and Contingent
risks. The amounts included in this table are net of impairment losses</font><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">.
&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-291</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_043_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:32.25pt;">
  <td nowrap width=44% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">TOTAL(*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">European
  Union Other</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">America</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=44% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">70,141</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,606</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,623</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,490</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,422</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=44% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">121,863</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55,391</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,940</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44,191</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,341</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central
  Administration</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">83,673</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,597</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,625</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,211</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,240</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,190</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,794</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">316</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,980</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">101</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  institutions</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48,000</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,175</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,283</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,469</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,074</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=44% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-financial institutions and individual entrepreneurs</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">228,227</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78,507</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,485</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">80,777</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48,458</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Construction and
  property development </font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,619</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,623</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">339</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,834</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,822</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Construction of
  civil works</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,348</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,936</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,302</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,267</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,843</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other purposes</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">197,260</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66,948</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,843</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69,676</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">41,793</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Large companies </font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">134,454</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43,286</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,470</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48,016</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,681</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">SMEs and individual
  entrepreneurs </font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62,807</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,662</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,373</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,660</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,112</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other households and
  NPISHs</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">165,667</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">93,774</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,609</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,615</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,669</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Housing </font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">114,710</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">81,815</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,720</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,815</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,361</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Consumer</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,705</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,711</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">649</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,759</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,587</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=44% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other purposes </font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,251</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,248</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">241</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,041</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">721</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=44% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">TOTAL</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">633,899</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">257,453</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84,940</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">204,542</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">86,964</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160; </font><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The definition of risk for the purpose of this statement
includes the following items on the public balance sheet: Loans and advances to
credit institutions, Loans and advances, Debt securities, Equity instruments,
Other equity securities, Derivatives and hedging derivatives, Investments in
subsidiaries, joint ventures and associates and guarantees given and Contingent
risks. The amounts included in this table are net of impairment losses</font><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">.
&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-292</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_296"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_044anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:37.5pt;">
  <td nowrap width=45% style="border:none;border-bottom:solid black 1.0pt;height:37.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">TOTAL(*)</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">European
  Union Other</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">America</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:37.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=45% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84,381</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,198</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,552</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,498</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,133</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=45% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">134,261</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61,495</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,865</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47,072</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,829</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central
  Administration</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">92,155</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">39,080</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,550</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,758</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,768</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,105</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,415</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">315</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,314</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  institutions</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47,029</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,942</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,881</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,631</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,576</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=45% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Non-financial institutions and individual entrepreneurs</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">249,322</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">69,833</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,335</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98,797</font></font></p>
  </td>
 <td nowrap width=11% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,357</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Construction and
  property development </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,141</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,572</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">371</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,988</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,209</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Construction of
  civil works</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,185</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,180</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,493</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,803</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,709</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other purposes</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">211,996</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,080</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,471</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">83,005</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">47,439</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Large companies </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">158,356</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,514</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,074</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">64,940</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,828</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">SMEs and individual
  entrepreneurs </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,640</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,566</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,397</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,065</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,611</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other households and
  NPISHs</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">179,051</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">96,345</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,796</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62,836</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,073</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Housing </font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">127,607</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">85,763</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,025</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,775</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,044</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Consumer</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44,504</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,230</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">642</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,398</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,234</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other purposes </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,939</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,352</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">129</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,663</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">795</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=45% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">TOTAL</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">694,044</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">256,813</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">100,428</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">238,834</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">97,968</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:33.75pt;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160; </font><font color=#0D0D0D face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The definition of risk for the
purpose of this statement includes the following items on the public balance
sheet: Loans and advances to credit institutions, Loans and advances, Debt
securities, Equity instruments, Other equity securities, Derivatives and
hedging derivatives, Investments in subsidiaries, joint ventures and associates
and guarantees given and Contingent risks. The amounts included in this table
are net of impairment losses</font><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">.&nbsp;</font></font></p>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>



<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><a name="_Toc505356002"></a><a name="_Toc106117"></a><a name="_Toc495480021"></a><a name="_Toc492911515"></a><a name="_Toc481574719"></a><a name="_Toc457382067"></a><a name="_Toc442077900"></a></p>
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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-293</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:14.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-35.45pt;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;layout-grid-mode:char;">APPENDIX IX
</font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;layout-grid-mode:char;">Additional information on Risk Concentration</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:-17.45pt;"><a name="_Toc106118"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">a) Sovereign risk exposure</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below provides a breakdown of
exposure to financial assets (excluding derivatives and equity instruments), as
of December 31, 2018, 2017 and&#160; 2016 by type of counterparty and the country of
residence of such counterparty. The below figures do not take into account
accumulated other </font><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">comprehensive&nbsp;</font></i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;"> income, impairment losses or loan-loss
provisions:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_051dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Risk Exposure by Countries (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=44% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Sovereign
  Risk</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td width=14% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">52,970 </font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,625 </font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">60,434 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,998 </font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,825 </font></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,478 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Italy</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,249 </font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,827 </font></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,206 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">France</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122 </font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">383 </font></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">518 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Portugal</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">529 </font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">722 </font></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">586 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Germany</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">362 </font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">259 </font></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">521 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">United Kingdom</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51 </font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">41 </font></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Ireland</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Greece</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of Europe</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">699 </font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">662 </font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">940 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal Europe</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71,981</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">76,343</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">85,699</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,562 </font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,114 </font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,942 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United States</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,645 </font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,059 </font></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,039 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Venezuela</font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1 </font></font></p>
  </td>
 <td nowrap width=15% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">137 </font></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">179 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of countries</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,910 </font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,809 </font></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,814 </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=56% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Subtotal Rest
  of Countries</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50,118</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45,119</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#2DCCCD;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46,974</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total Exposure to Financial Instruments</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122,099</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">121,462</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">132,674</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The exposure to sovereign
risk set out in the above table includes positions held in government debt
securities in countries where the Group operates. They are used for ALCO&#8217;s
management of the interest-rate risk on the balance sheets of the Group&#8217;s
entities in these countries, as well as for hedging of pension and insurance
commitments by insurance entities within the BBVA Group.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-294</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_298"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#009EE5 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Sovereign risk exposure in Europe</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below provides a breakdown of the
exposure of the Group&#8217;s credit institutions to European sovereign risk as of
December 31, 2018 and 2017 by type of financial instrument and the country of
residence of the counterparty, under EBA (European Banking Authority)
requirements: </font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_061DIC_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=12 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Exposure to Sovereign Risk by European Union Countries. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=23% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Debt
  securities</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Loans and
  advances</font></b></font></p>
  </td>
 <td colspan=6 width=42% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Derivatives</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=23% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Direct
  exposure</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Indirect
  exposure</font></b></font></p>
  </td>
 </tr>
<tr style="height:71.25pt;">
  <td width=23% style="border:none;border-bottom:solid black 1.0pt;height:71.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:71.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:71.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:71.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:71.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:71.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:71.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:71.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=23% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">5,237 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">43,236 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,264 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">57 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(3,224)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,130 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,117)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">46,568 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">79%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=23% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Italy</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,726 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8,270 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(795)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">210 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(298)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">9,112 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">15%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=23% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">France</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">591 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">77 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">150 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(32)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">787 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=23% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Germany</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">310 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">334 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">182 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">74 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(87)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">813 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=23% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Portugal</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">265 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">430 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">277 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">57 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(57)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">67 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">37 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(26)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,050 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=23% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">United Kingdom</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">45 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">45 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=23% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Greece</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=23% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Hungary</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=23% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Ireland</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">548 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">548 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=23% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Rest of European
  Union</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">300 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">31 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(36)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">295 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0%</font></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td width=23% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Total Exposure to Sovereign Counterparties (European Union)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8,428</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">52,971</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,541</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">113</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(71)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(3,656)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,454</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,563)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">59,218</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100%</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This table shows sovereign
risk balances with EBA criteria. Therefore, sovereign risk of the Group&#8217;s
insurance companies (&#8364;10,883 million as of December 31, 2018) is not included.
Includes credit derivatives CDS (Credit Default Swaps) shown at fair value.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_062_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=13 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Exposure to Sovereign Risk by European Union Countries. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=16% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Debt
  securities</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Loans and
  receivables</font></b></font></p>
  </td>
 <td colspan=6 width=42% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Derivatives</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Direct
  exposure</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Indirect
  exposure</font></b></font></p>
  </td>
 </tr>
<tr style="height:82.5pt;">
  <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Financial Assets Held-for-Trading</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Available-for-Sale Financial Assets</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Held
  -to-maturity investment</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">7,065 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">14,029 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">5,754 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">22,101 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,513 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">62 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">591 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,082 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(773)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">51,410 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">75.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Italy</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">4,606 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">4,292 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,349 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">55 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(57)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">648 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(237)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">11,657 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">17.1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">France</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">622 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">27 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">329 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">15 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(19)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">983 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1.4%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Germany</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">517 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">826 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">26 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(17)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,352 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Portugal</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">832 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">202 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,019 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(44)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">176 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">87 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(53)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,221 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">United Kingdom</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">37 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(2)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">35 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0.1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Greece</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Hungary</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Ireland</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Rest of European
  Union</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">38 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">505 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">32 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">31 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">5 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">607 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0.9%</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=16% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Total Exposure to Sovereign Counterparties (European Union)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">13,681</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">18,835</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8,103</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">22,453</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,533</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">64</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(59)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,896</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,863</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,104)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">68,265</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.0%</font></b></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-295</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_299"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This table shows sovereign
risk balances with EBA criteria. Therefore, sovereign risk of the Group&#8217;s
insurance companies (&#8364;10,474 million as of December 31, 2017) is not included.
Includes credit derivatives CDS (Credit Default Swaps) shown at fair value.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_063_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=13 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Exposure to Sovereign Risk by European Union Countries. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=16% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Debt
  securities</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Loans and
  receivables</font></b></font></p>
  </td>
 <td colspan=6 width=42% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Derivatives
  (2)</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Direct
  exposure</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Indirect
  exposure</font></b></font></p>
  </td>
 </tr>
<tr style="height:82.5pt;">
  <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Financial Assets Held-for-Trading</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Available-for-Sale Financial Assets</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Held
  -to-maturity investment</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:82.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">927 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">13,385 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8,063 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">24,835 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,786 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">88 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(744)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">993 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,569)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">47,737 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">81.4%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Italy</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,973 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">4,806 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,719 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">60 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,321)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,271 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(866)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8,641 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">14.7%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">France</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">250 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">28 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(13)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">46 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(63)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">248 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0.4%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Germany</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">82 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">203 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(249)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">30 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0.1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Portugal</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">54 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">285 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,150 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(215)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">10 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,280 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2.2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">United Kingdom</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">16 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(9)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Greece</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Hungary</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Ireland</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0.0%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Rest of European
  Union</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">195 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">469 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">36 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">30 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">13 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">736 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1.3%</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=16% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Total Exposure to Sovereign Counterparties (European Union)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3,482</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">18,660</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">10,783</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">25,259</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,936</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">88</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(242)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(2,053)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,527</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(2,759)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">58,680</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100.0%</font></b></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-296</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_300"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This table shows sovereign
risk balances with EBA criteria. Therefore, sovereign risk of the Group&#8217;s
insurance companies (&#8364;10,443 million as of December 31, 2016) is not included. Includes
credit derivatives CDS (Credit Default Swaps) shown at fair value.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018,
2017 and 2016 the breakdown of total exposure faced by the Group&#8217;s credit institutions
to Spain and other countries, by maturity of the financial instruments, is as
follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_081dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=12 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Maturities of Sovereign Risks European Union. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">December 2018 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=24% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=6% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Debt
  securities</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Loans and
  advances</font></b></font></p>
  </td>
 <td colspan=6 width=42% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Derivatives</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=24% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=6% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Direct
  exposure</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Indirect
  exposure</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td width=24% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">5,237 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">43,236 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,264 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">57 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(15)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(3,224)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,130 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,117)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">46,568 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">79%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Up to 1 Year</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,821 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">13,381 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">383 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(3,224)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,130 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,117)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">13,375 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">23%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 to 5 Years</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">761 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">7,904 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">640 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">42 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(8)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">9,340 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">16%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Over 5 Years</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,654 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">21,950 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">242 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">13 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(7)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">23,853 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">40%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Rest of
  European Union</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3,192 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">9,735 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">277 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">57 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(57)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(431)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">324 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(446)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">12,651 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">21%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Up to 1 Year</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,155 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,328 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">220 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(5)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(865)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">297 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(355)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,776 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">5%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 to 5 Years</font></font></p>
  </td>
 <td nowrap width=6% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">250 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,184 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">57 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">57 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">10 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">16 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(24)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,548 </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=24% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Over 5 Years</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,787 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">6,224 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(52)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">423 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">12 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(67)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8,327 </font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">14%</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=24% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Total Exposure to European Union Sovereign Counterparties</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8,428</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">52,971</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,541</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">113</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(71)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(3,656)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,454</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,563)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">59,218</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100%</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_082_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=13 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Maturities of Sovereign Risks European Union. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Debt
  securities</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Loans and
  receivables</font></b></font></p>
  </td>
 <td colspan=6 width=42% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Derivatives</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Direct
  exposure</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Indirect
  exposure</font></b></font></p>
  </td>
 </tr>
<tr style="height:57.75pt;">
  <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Financial Assets Held-for-Trading</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Available-for-Sale Financial Assets</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Held
  -to-maturity investment</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">7,065</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">14,029</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">5,754</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">22,101</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,513</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">62</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(15)</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">591</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,082</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(773)</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">51,410</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">75%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Up to 1 Year</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,675</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3,363</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,900</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">7,852</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">69</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">591</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,082</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(773)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">12,312</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">25%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 to 5 Years</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,196</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,335</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">106</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">7,978</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,131</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">44</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">16,883</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">19%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Over 5 Years</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3,195</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">9,332</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,747</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">6,271</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">314</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(14)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">22,215</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">32%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Rest of
  European Union</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">6,616</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">4,806</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,349</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">352</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,019</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(44)</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,305</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">781</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(331)</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">16,856</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">25%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Up to 1 Year</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,212</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,663</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,895</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">54</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">466</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">744</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">756</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(252)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3,614</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">11%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 to 5 Years</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,932</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">192</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">162</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">0</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">243</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">17</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(21)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">7,313</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">5%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Over 5 Years</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,473</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,951</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">454</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">137</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">550</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(38)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">318</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(58)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">5,928</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8%</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=16% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Total Exposure to European Union Sovereign Counterparties</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">13,681</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">18,835</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8,103</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">22,453</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,533</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">64</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(59)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,896</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,863</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,104)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">68,265</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100%</font></b></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-297</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_301"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_083_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=13 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Maturities of Sovereign Risks European Union. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 rowspan=2 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Debt
  securities</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Loans and
  receivables</font></b></font></p>
  </td>
 <td colspan=6 width=42% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Derivatives</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td rowspan=3 width=7% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">%</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Direct
  exposure</font></b></font></p>
  </td>
 <td colspan=3 width=21% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Indirect
  exposure</font></b></font></p>
  </td>
 </tr>
<tr style="height:57.75pt;">
  <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Financial Assets Held-for-Trading</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Available-for-Sale Financial Assets</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Held
  -to-maturity investment</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Notional
  value</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value +</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Fair value -</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">927</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">13,385</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8,063</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">24,835</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,786</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">88</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(27)</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(744)</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">993</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,569)</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">47,737</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">81%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Up to 1 Year</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">913</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">889</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,989</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">9,087</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(736)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">993</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,564)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">11,571</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">20%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 to 5 Years</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,272</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3,116</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3,319</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">7,059</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,209</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">32</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(3)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">16,004</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">27%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Over 5 Years</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,259)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">9,380</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,755</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">4,595</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">577</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">56</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(27)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(6)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(4)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">16,068</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">27%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Rest of
  European Union</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,554</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">5,275</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,719</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">424</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,150</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(215)</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,309)</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,534</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,191)</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">10,943</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">19%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Up to 1 Year</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(395)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">38</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,721)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,507</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,054)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(1,623)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1 to 5 Years</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,535</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,050</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,958</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">247</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">381</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(12)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">194</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">19</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(50)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">6,322</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">11%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">Over 5 Years</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">1,414</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3,186</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">761</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">175</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">770</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(203)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">218</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">8</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(86)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">6,243</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">11%</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=16% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;line-height:normal;">Total Exposure to European Union Sovereign Counterparties</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">3,482</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">18,660</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">10,783</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">25,259</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,936</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">88</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(242)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(2,053)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">2,527</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">(2,759)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">58,680</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;line-height:normal;">100%</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>



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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-298</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_302"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:18.0pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="_Toc106119"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">b) Concentration
of risk on activities in the real-estate market in Spain</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=#006EC1 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Quantitative
information on activities in the real-estate market in Spain</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The following quantitative
information on real-estate activities in Spain has been prepared using the
reporting models required by Bank of Spain Circular 5/2011, of November 30. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018, 2017 and
2016, exposure to the construction sector and real-estate activities in Spain
stood at &#8364;11,045, &#8364;11,981 and &#8364;15,285 million, respectively. Of that amount,
risk from loans to construction and real-estate development activities
accounted for &#8364;3,183, &#8364;5,224 and &#8364;7,930 million, respectively, representing
1.7%, 2.9% and 5.0% of loans and advances to customers of the balance of
business in Spain (excluding the general governments) and 0.5%, 0.8% and 1.1%
of the total assets of the Consolidated Group. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Lending for real estate development
of the loans as of December 31, 2018, 2017 and 2016 is shown below:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_094_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:16.5pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">December 2018. Financing Allocated by credit institutions to
  Construction and Real Estate Development and lending for house purchase
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross Amount</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Drawn Over the Guarantee Value</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Accumulated
  impairment</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financing to construction and real estate development (including land)
  (Business in Spain)</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,183</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">941</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(537)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160; Of which:
  Impaired assets</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">875</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">440</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(463)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Memorandum
  item:</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&#160;&#160;&#160;
  Write-offs</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,619</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Memorandum
  item:</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=58% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total loans and advances to customers, excluding the General
  Governments (Business in Spain)</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">183,196</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total consolidated assets (total business)</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">676,689</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=58% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Impairment and provisions for normal exposures</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,938</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_091_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:16.5pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">December 2017. Financing Allocated by credit institutions to
  Construction and Real Estate Development and lending for house purchase
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross Amount</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Drawn Over the Guarantee Value</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Accumulated
  impairment</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financing to construction and real estate development (including land)
  (Business in Spain)</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,224</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,132</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,500)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Of which:
  Impaired assets</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,660</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,529</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(1,461)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Memorandum
  item:</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Write-offs</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,289</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Memorandum
  item:</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=58% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total loans and advances to customers, excluding the General
  Governments (Business in Spain)</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">174,014</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total consolidated assets (total business)</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">690,059</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=58% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Impairment and provisions for normal exposures</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,843)</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_093anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:16.5pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">December 2016. Financing Allocated by credit institutions to
  Construction and Real Estate Development and lending for house purchase
  (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross Amount</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Drawn Over the Guarantee Value</font></b></font></p>
  </td>
 <td width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Accumulated
  impairment</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td width=58% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Financing to construction and real estate development (including land)
  (Business in Spain)</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,930</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,449</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,944)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Of which:
  Impaired assets</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,095</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,680</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(2,888)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Memorandum
  item:</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Write-offs</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,061</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Memorandum
  item:</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=58% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total loans and advances to customers, excluding the General
  Governments (Business in Spain)</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">159,492</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Total consolidated assets (total business)</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">731,856</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=58% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Impairment and provisions for normal exposures</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">(5,830)</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=14% style="background:silver;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>




<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-299</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_303"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=left style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:left;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The following is a
description of the real estate credit risk based on the types of associated
guarantees:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_121_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:18.75pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financing Allocated by credit institutions to Construction and Real
  Estate Development and lending for house purchase (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=54% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2018</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2017</font></b></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=54% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Without secured
  loan</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">324</font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">552</font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">801</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=54% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">With secured
  loan </font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,859</font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,672</font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,129</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=54% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Terminated buildings</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,861</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,904</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,875</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=54% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Homes</font></font></p>
  </td>
 <td nowrap width=16% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,382</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,027</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,954</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=54% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=16% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">479</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">877</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">921</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=54% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Buildings under construction</font></font></p>
  </td>
 <td nowrap width=16% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">432</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">462</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">760</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=54% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Homes</font></font></p>
  </td>
 <td nowrap width=16% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">408</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">439</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">633</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=54% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=16% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">127</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=54% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Land</font></font></p>
  </td>
 <td nowrap width=16% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">566</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,306</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,494</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=54% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Urbanized land</font></font></p>
  </td>
 <td nowrap width=16% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">364</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">704</font></font></p>
  </td>
 <td nowrap width=15% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,196</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=54% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of land</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">202</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">602</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,298</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=54% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=16% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,183</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,224</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,930</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018,
2017 and 2016, 58.5%, 55.6%, and 48.9% of loans to developers were guaranteed
with buildings (74.3%, 69.8% and 76.2%, are homes), and only 17.8%, 25.0% and
31.5% by land, of which 64.3%, 53.9% and 48.0% are in urban locations,
respectively.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below provides the
breakdown of the financial guarantees given as of December 31, 2018, 2017 and
2016:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_191_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Financial guarantees given (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=51% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=51% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Houses purchase loans</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">48</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">64</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=51% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Without mortgage</font></font></p>
  </td>
 <td nowrap width=17% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24</font></font></p>
  </td>
 <td nowrap width=16% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=16% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-300</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_304"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The information on the retail mortgage portfolio risk (housing
mortgage) as of December 31, 2018, 2017 and 2016 is as follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_131anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:27.75pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2018. Financing Allocated by credit institutions to
  Construction and Real Estate Development and lending for house purchase. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td width=62% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Gross amount</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><i><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which: impaired loans</font></i></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=62% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Houses purchase loans</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">80,159</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,852</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=62% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Without mortgage</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,611</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=62% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">With mortgage</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78,548</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,822</font></i></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_132anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:24.75pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2017. Financing Allocated by credit institutions to
  Construction and Real Estate Development and lending for house purchase. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=62% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Gross amount</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><i><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which: impaired loans</font></i></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=62% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Houses purchase loans</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">83,505</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,821</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=62% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Without mortgage</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,578</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=62% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">With mortgage</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">81,927</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,770</font></i></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_133anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:31.5pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">December 2016. Financing Allocated by credit institutions to
  Construction and Real Estate Development and lending for house purchase. </font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">(Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=62% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Gross amount</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><i><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Of which: impaired loans</font></i></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=62% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Houses purchase loans</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87,874</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,938</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=62% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Without mortgage</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,935</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">93</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=62% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">With mortgage</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">85,939</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,845</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">The loan to value (LTV) ratio of the above portfolio is as
follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_144DIC_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:24.0pt;">
  <td colspan=7 width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">LTV Breakdown of mortgage to households for the purchase of a home
  (Business in Spain) (Millions of euros)&quot;</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=31% style="border:none;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=6 width=69% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total risk over the amount of the last valuation available (Loan
  To Value-LTV)</font></b></font></p>
  </td>
 </tr>
<tr style="height:51.75pt;">
  <td width=31% style="border:none;border-bottom:solid black 1.0pt;height:51.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:51.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Less than or equal to 40%</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:51.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 40% but less than or equal to 60%</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:51.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 60% but less than or equal to 80%</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:51.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Over 80% but less than or equal to 100%</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:51.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Over 100%</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:51.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=31% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Gross amount 2018</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,491</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,822</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,657</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,070</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,508</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">78,548</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=31% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">of which:
  Impaired loans</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">204</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">323</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">507</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">610</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,178</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,822</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=31% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Gross amount 2017</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,485</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,197</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,778</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,240</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,227</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">81,927</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=31% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">of which:
  Impaired loans</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">293</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">444</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">715</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">897</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,421</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,770</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=31% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Gross amount 2016</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,780</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,223</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,705</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,967</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,264</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">85,939</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=31% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">of which:
  Impaired loans</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">306</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">447</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">747</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">962</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,383</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,845</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Outstanding home mortgage
loans as of December 31, 2018, 2017 and 2016 had an average LTV of 49%, 51%,
and 47% respectively.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of foreclosed,
acquired, purchased or exchanged assets from debt from loans relating to
business in Spain, as well as the holdings and financing to non-consolidated
entities holding such assets is as follows:
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-301</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_305"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_154dic_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Information about Assets Received in Payment of Debts (Business
  in Spain) (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=56% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=4 width=44% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:57.75pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Value</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Provisions</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><i><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Of which: Valuation adjustments on impaired assets, from the
  time of foreclosure</font></i></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:57.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Carrying
  Amount</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=56% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Real estate assets from loans to the construction and real estate
  development sectors in Spain.</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,165</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,252</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">828</font></i></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">913</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=56% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Terminated buildings</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">991</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">445</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">274</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">546</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=56% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Homes</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">588</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">245</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">144</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">343</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=56% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">403</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">200</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">130</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">203</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Buildings under
  construction</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">209</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">131</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">96</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">78</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=56% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Homes</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">194</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">117</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">85</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">77</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=56% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">14</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">11</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=56% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Land</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">965</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">676</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">458</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">289</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=56% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Urbanized land</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">892</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">633</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">421</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">259</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=56% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest of land</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">73</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">43</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">37</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">30</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Real estate assets from mortgage financing for households for the
  purchase of a home</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,797</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">932</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">331</font></i></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">865</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Rest of foreclosed real estate assets </font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">348</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">192</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">40</font></i></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">156</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=56% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Equity instruments, investments and financing to non-consolidated
  companies holding said assets</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,345</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">234</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">234</font></i></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,111</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=56% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,655</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,610</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><i><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,433</font></i></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,045</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additionally, in December
2018, there was an increase of BBVA, S.A.&#8217;s stake in Garanti Yatirim Ortakligi
AS through its contribution to the capital increase carried out by the latter
entity.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_152_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Information about Assets Received in Payment of Debts (Business in
  Spain) (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=55% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=4 width=45% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=55% style="border:none;border-bottom:solid black 1.0pt;height:51.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:51.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Value</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:51.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Provisions</font></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:51.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><i><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Of which: Valuation adjustments on impaired assets, from the
  time of foreclosure</font></i></b></font></p>
  </td>
 <td width=11% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:51.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Carrying
  Amount</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=55% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Real estate assets from loans to the construction and real estate
  development sectors in Spain.</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,429</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,350</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,542</font></i></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,079</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=55% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Terminated buildings</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,191</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,184</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">606</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,007</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=55% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Homes</font></font></p>
  </td>
 <td nowrap width=12% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,368</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">742</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">366</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">626</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=55% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=12% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">823</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">442</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">240</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">381</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=55% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Buildings under
  construction</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">541</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">359</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">192</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">182</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=55% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Homes</font></font></p>
  </td>
 <td nowrap width=12% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">521</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">347</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">188</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">174</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=55% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=12% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">20</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=55% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Land</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,697</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,807</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,744</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">890</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=55% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Urbanized land</font></font></p>
  </td>
 <td nowrap width=12% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,932</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,458</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,031</font></i></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">474</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=55% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest of land</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,765</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,349</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">713</font></i></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">416</font></font></p>
  </td>
 </tr>
<tr style="height:26.25pt;">
  <td valign=bottom width=55% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Real estate assets from mortgage financing for households for the
  purchase of a home</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,592</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,104</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">953</font></i></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,488</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=55% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Rest of foreclosed real estate assets </font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,665</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">905</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">268</font></i></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">760</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td valign=bottom width=55% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Equity instruments, investments and financing to non-consolidated
  companies holding said assets</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,135</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">325</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">273</font></i></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">810</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=55% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">12,821</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">7,684</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,036</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,137</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additionally, in March 2017,
there was an increase of BBVA, S.A.&#8217;s stake in Testa Residencial through its
contribution to the capital increase carried out by the latter entity by
contributing assets from the Bank&#8217;s real estate assets.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-302</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_306"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_153anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Information about Assets Received in Payment of Debts (Business
  in Spain) (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=52% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=4 width=48% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:53.25pt;">
  <td width=52% style="border:none;border-bottom:solid black 1.0pt;height:53.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:53.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Gross</font></b></font></p>
  <p align=center style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Value</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:53.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Provisions</font></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:53.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><i><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Of which: Valuation adjustments on impaired assets, from the
  time of foreclosure</font></i></b></font></p>
  </td>
 <td width=12% style="border-bottom:solid black 1.0pt;border-left:none;border-right:none;border-top:solid black 1.0pt;height:53.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Carrying
  Amount</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=52% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Real estate assets from loans to the construction and real estate
  development sectors in Spain.</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8,017</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">5,290</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,790</font></i></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,727</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=52% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Finished buildings</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,602</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,346</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">688</font></i></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,256</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=52% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Homes</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,586</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">801</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">408</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">785</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=52% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,016</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">545</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">280</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">471</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=52% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Buildings under
  construction</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">665</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">429</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">203</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">236</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=52% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Homes</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">642</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">414</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">195</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">228</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=52% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Other</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">23</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">8</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=52% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Land</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,750</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,515</font></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,899</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,235</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=52% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Urbanized land</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">3,240</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,382</font></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,364</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">858</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=52% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Rest of land</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,510</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,133</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">535</font></i></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">377</font></font></p>
  </td>
 </tr>
<tr style="height:26.25pt;">
  <td valign=bottom width=52% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Real estate assets from mortgage financing for households for the
  purchase of a home</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,332</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">2,588</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,069</font></i></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,744</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=52% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:normal;">Rest of foreclosed real estate assets </font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,856</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,006</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">225</font></i></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">850</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=bottom width=52% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Foreclosed
  equity instruments</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">1,240</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">549</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><i><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">451</font></i></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">691</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=52% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">15,445</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">9,433</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">4,535</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;line-height:normal;">6,012</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018,
2017 and 2016, the gross book value of the Group&#8217;s real-estate assets from
corporate financing of real-estate construction and development was &#8364;2,165,
&#8364;6,429 and &#8364;8,017 million, respectively, with an average coverage ratio of
57.8%, 67.7% and 66.0%, respectively.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The gross book value of
real-estate assets from mortgage lending to households for home purchase as of
December 31, 2018, 2017 and 2016, amounted to &#8364;1,797, &#8364;3,592 and &#8364;4,332
million, respectively, with an average coverage ratio of 51.9%, 58.6% and
59.7%.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">As of December 31, 2018,
2017 and 2016, the gross book value of the BBVA Group&#8217;s total real-estate
assets (business in Spain), including other real-estate assets received as debt
payment, was &#8364;4,310, &#8364;11,686 and &#8364;14,205 million, respectively. The coverage
ratio was 55.1%, 63.0% and 62.5%, respectively. </font></font></p>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>



<p style="border:none;margin-bottom:10.0pt;margin-left:18.0pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><a name="_Toc106120"></a></p>
<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-303</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_307"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:18.0pt;margin-right:0cm;margin-top:10.0pt;page-break-after:auto;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">c) Concentration
of risk by geography</font></b></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Below is a breakdown of the balances of
financial instruments recorded in the accompanying consolidated balance sheets
by their concentration in geographical areas and according to the residence of
the customer or counterparty. It does not take into account impairment losses
or loan-loss provisions:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_164DIC_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Risks by Geographical Areas. December 2018 (millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Europe,
  Excluding Spain</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">USA</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,979</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,055</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,550</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,057</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">161</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,150</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">583</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,536</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity
  instruments (*)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,228</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,669</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,459</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,139</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">212</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">207</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,944</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43,777</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,908</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,134</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,991</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,048</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,274</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,312</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">113,445</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,982</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,052</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,553</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,675</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,891</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,276</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,887</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,431</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">164</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">91,877</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,130</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,821</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">573</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">74</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">155</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">297</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">463</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,514</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,769</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,048</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">227</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,595</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">432</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">114</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,190</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">325</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,364</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,443</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,046</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">132</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">500</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,812</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and
  advances</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">177,077</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">43,034</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">55,248</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">62,193</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45,285</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,007</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,089</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">429,933</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">294</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,688</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">342</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,674</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,110</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,671</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">329</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,727</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,369</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">99</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,923</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">453</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">30,572</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,422</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,600</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,476</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">696</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">956</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">984</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">639</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">23,774</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,616</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,893</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,303</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,255</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">766</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">637</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">304</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,773</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51,942</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,317</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,426</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,480</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,813</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,518</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,852</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">170,349</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Households</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98,131</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,783</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">24,316</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,393</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,963</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,602</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">168</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">178,355</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total Risk in Financial Assets</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">228,061</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">77,666</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82,392</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87,381</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">53,523</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">46,644</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,191</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">584,858</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loan commitments
  given</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,582</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,983</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,503</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,136</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,914</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,590</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,252</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">118,959</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financial guarantees
  given</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,242</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,708</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,528</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">796</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,900</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">989</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,291</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,454</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other Commitments
  given</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,995</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,229</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">532</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,118</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,230</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,782</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,213</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,098</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Off-balance
  sheet exposures</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">51,819</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,920</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,563</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,050</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,043</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,360</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,756</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">170,511</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total Risks in Financial Instruments</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">279,880</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">110,586</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98,955</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122,430</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">70,567</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">59,004</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,947</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">755,369</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">(*)&#160; Equity
instruments are shown net of valuation adjustment.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-304</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_308"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_162_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Risks by Geographical Areas. December 2017 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Europe,
  Excluding Spain</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">USA</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,336</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,506</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,847</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,573</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">113</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">977</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">921</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">35,273</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity
  instruments (*)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,539</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,888</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,050</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">991</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">333</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">71</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,908</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">44,773</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,582</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21,594</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,280</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,601</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,861</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,450</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">113,141</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,734</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,685</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,468</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,658</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,475</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,323</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,894</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,668</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,246</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">221</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">88,485</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,364</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,095</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">289</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">884</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">387</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">752</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,869</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,492</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">994</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">337</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,026</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">315</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">194</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,365</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">259</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,018</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,645</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,262</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">228</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">234</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,688</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and
  advances</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">185,597</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">41,426</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">50,352</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,315</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">56,062</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,334</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,585</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">434,670</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">626</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,299</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,375</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,300</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,116</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">352</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,868</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,165</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">152</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,354</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">398</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,405</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,564</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15,493</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,889</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">789</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,073</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,145</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">345</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,297</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,769</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,231</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">588</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,732</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,297</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">664</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">270</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,551</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,369</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,615</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,737</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,396</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,691</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,023</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,345</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">172,175</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Households</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">99,780</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,110</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,269</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,233</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,550</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,773</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">227</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">177,942</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total Risk in Financial Assets</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">240,245</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82,401</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">75,842</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">73,159</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66,812</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49,504</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,027</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">594,990</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loan commitments
  given</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,100</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,203</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,691</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">29,539</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,944</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,664</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,126</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">94,268</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financial guarantees
  given</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,635</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,427</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">82</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">717</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,993</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,174</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">519</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,546</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other Commitments given</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,279</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,854</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,582</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,879</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,591</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,750</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,804</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45,738</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Off-balance
  sheet exposures</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61,014</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">27,484</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,356</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">32,134</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,527</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,588</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,450</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">156,552</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=26% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=26% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total Risks in Financial Instruments</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">301,259</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">109,885</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">79,198</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">105,293</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">79,339</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66,092</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,477</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">751,542</font></b></font></p>
  </td>
 </tr>
</table></div>



<p align=left style="border:none;margin-bottom:4.0pt;margin-left:2.85pt;margin-right:0cm;margin-top:4.0pt;text-align:left;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(*)&#160; Equity instruments are shown net of valuation adjustment.
</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-305</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_309"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_163anual_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Risks by Geographical Areas. December 2016 (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=27% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Europe,
  Excluding Spain</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">USA</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Derivatives</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,143</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,176</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,719</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,045</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">175</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,359</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,339</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,955</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Equity
  instruments (*)</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,641</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,303</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,383</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">831</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">57</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">316</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">706</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,236</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Debt securities</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49,355</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,325</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,380</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,043</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,695</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,262</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,923</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">130,983</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,237</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,253</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">40,172</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,282</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,771</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,446</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,258</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,257</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">240</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">98,426</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,781</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,465</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">257</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">112</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,331</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,459</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">869</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,275</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,959</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,181</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">352</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,142</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">15</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">347</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">379</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,376</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">443</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,397</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,000</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,343</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">90</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">961</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">418</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,653</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loans and
  advances</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">187,717</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">45,075</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">52,230</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61,739</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">61,090</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">58,020</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,067</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">470,938</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Central banks</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">158</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">21</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,722</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,994</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">8,894</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">General governments</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">20,741</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">424</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">7,262</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,593</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">217</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,380</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">256</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,873</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,225</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,154</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,967</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,351</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,194</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,515</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,011</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,416</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,339</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">6,213</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,171</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,648</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,620</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">886</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">214</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,091</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Non-financial
  corporations</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">54,112</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,818</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,256</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,330</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,471</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">26,024</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,371</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">186,384</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Households</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">102,299</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">4,308</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,552</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,818</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">17,866</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">25,221</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">216</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">192,281</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=27% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total Risk in Financial Assets</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">248,856</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">93,880</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">79,712</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">84,657</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">73,016</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">66,956</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,036</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">656,112</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Loan commitments
  given</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">31,477</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,219</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,060</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">34,449</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,912</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">5,161</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">976</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">107,254</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Financial guarantees
  given</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,853</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,504</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">121</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">819</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">9,184</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,072</font></font></p>
  </td>
 <td nowrap width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">714</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">18,267</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Other Commitments
  given</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,610</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,154</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,364</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,911</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,002</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,779</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,771</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">42,592</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=27% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Off-balance
  sheet exposures</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">49,940</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">36,878</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,545</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">38,179</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">14,098</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">11,012</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">3,461</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">168,113</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=27% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Total Risks in Financial Instruments</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">298,796</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">130,757</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">94,257</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">122,836</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">87,114</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">77,968</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">12,497</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">824,225</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of
the main figures in the most significant foreign currencies in the accompanying
consolidated balance sheets is set forth in Appendix VII.
</font></font></p>


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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The breakdown of loans and
advances in the heading of Loans and receivables, impaired by geographical area
as of December 31, 2018, 2017 and 2016 is as follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_171_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">Impaired Financial Assets by geographic area (Millions of euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=45% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:normal;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2018</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2017</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">December 2016</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=45% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Spain</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">10,025</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">13,318</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,812</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of Europe</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">225</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">549</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">704</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Mexico</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,138</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,124</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,152</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">South America</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,715</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,468</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,589</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">The United States</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">733</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">631</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">975</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=45% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Turkey</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,520</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2,311</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">1,693</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=45% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">Rest of the world</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">2</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 11.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=45% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">IMPAIRED RISKS</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">16,359</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">19,401</font></b></font></p>
  </td>
 <td nowrap width=19% style="background:#004481;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;line-height:normal;">22,925</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p align=left style="border:none;margin-bottom:4.0pt;margin-left:2.85pt;margin-right:0cm;margin-top:4.0pt;text-align:left;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>


<DIV bclFooter>


<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-307</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_311"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</font></p>

<p style="border:none;margin-bottom:14.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:14.0pt;page-break-after:auto;text-align:justify;text-indent:-36.0pt;"><a name="_Toc495478183"></a><a name="_Toc481589131"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">Glossary</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:2.75pt;width:100%;">
 <tr style="height:25.5pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Additional Tier 1 Capital</font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Includes: Preferred stock and convertible perpetual
  securities and deductions.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Adjusted acquisition cost</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The acquisition cost of the securities less
  accumulated amortizations, plus interest accrued, but not net of any other
  valuation adjustments.</font></font></p>
  </td>
 </tr>
<tr style="height:63.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Amortized
  cost</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The
  amortized cost of a financial asset or financial liability is the amount at
  which the financial asset or financial liability is measured at initial
  recognition minus the principal repayments, plus or minus, the cumulative
  amortization using the effective interest rate method of any difference
  between the initial amount and the maturity amount and, for financial assets,
  adjusted for any loss allowance. </font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Associates</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Companies in which the Group has a significant influence,
  without having control. Significant influence is deemed to exist when the
  Group owns 20% or more of the voting rights of an investee directly or
  indirectly.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Available-for-sale financial assets</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Available-for-sale (AFS) financial assets are debt securities
  that are not classified as held-to-maturity investments or as financial
  assets designated at fair value through profit or loss (FVTPL) and equity
  instruments that are not subsidiaries, associates or jointly controlled
  entities </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">and have not been designated as at FVTPL. The AFS category
  belongs to IAS 39 standard, replaced by &#8220;Financial Assets at fair value
  through other comprehensive income&#8221; under IFRS 9.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Baseline
  macroeconomic scenarios</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">IFRS 9 requires that an entity must evaluate
  a range of possible outcomes when estimating provisions and measuring
  expected credit losses, through macroeconomic scenarios. The baseline
  macroeconomic scenario presents the situation of the particular economic
  cycle.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Basic earnings per share </font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Calculated by dividing &#8220;Profit attributable to Parent Company&#8221;
  corresponding to ordinary shareholders of the entity by the weighted average
  number of shares outstanding throughout the year (i.e., excluding the average
  number of treasury shares held over the year).</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Basis risk</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risk arising from hedging exposure to one interest rate with
  exposure to a rate that reprices under slightly different conditions.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Business combination</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A business combination is a transaction, or any other event,
  through which a single entity obtains the control of one or more businesses.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Business Model</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The assessment as to how an asset shall be
  classified is made on the basis of both the business model for managing the
  financial asset and the contractual cash flow characteristic of the financial
  asset (SPPI Criterion). Financial assets are classified on the basis of its
  business model for managing the financial assets. The Group&#8217;s business models
  shall be determined at a level that reflects how groups of financial assets
  are managed together to achieve a particular business objective and generate
  cash flows.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Cash flow hedges</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Those that hedge the exposure to variability in cash flows
  attributable to a particular risk associated with a recognized asset or
  liability or a highly probable forecast transaction and could affect profit
  or loss.</font></font></p>
  </td>
 </tr>
<tr style="height:127.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:127.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Commissions </font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:127.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Income and expenses relating to commissions and similar fees are
  recognized in the consolidated income statement using criteria that vary
  according to their nature. The most significant income and expense items in
  this connection are:</font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:106%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Fees and commissions relating linked to financial
  assets and liabilities measured at fair value through profit or loss, which
  are recognized when collected.</font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:106%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Fees and commissions arising from transactions or
  services that are provided over a period of time, which are recognized over
  the life of these transactions or services.</font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:106%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Fees and commissions generated by a single act are
  accrued upon execution of that act.</font></font></p>
  </td>
 </tr>
</table></div>




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</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_312"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:2.75pt;width:100%;">
 <tr style="height:191.25pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:191.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Consolidated statements of cash flows</font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:191.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The indirect method has been used for the preparation of the
  consolidated statement of cash flows. This method starts from the entity&#8217;s
  consolidated profit and adjusts its amount for the effects of transactions of
  a non-cash nature, any deferrals or accruals of past or future operating cash
  receipts or payments, and items of income or expense associated with cash
  flows classified as investment or finance. As well as cash, short-term,
  highly liquid investments subject to a low risk of changes in value, such as
  cash and deposits in central banks, are classified as cash and equivalents.<br>
  When preparing these financial statements the following definitions have been
  used:</font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:106%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Cash flows: Inflows and outflows of cash and
  equivalents.</font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:106%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Operating activities: The typical activities of
  credit institutions and other activities that cannot be classified as
  investment or financing activities.</font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:106%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Investing activities: The acquisition, sale or other
  disposal of long-term assets and other investments not included in cash and
  cash equivalents or in operating activities.</font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:106%;">&#183;</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Financing activities: Activities that result in
  changes in the size and composition of the Group&#8217;s equity and of liabilities
  that do not form part of operating activities.</font></font></p>
  </td>
 </tr>
<tr style="height:114.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:114.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Consolidated statements of changes in equity</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:114.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The consolidated statements of changes in equity reflect all the
  movements generated in each year in each of the headings of the consolidated
  equity, including those from transactions undertaken with shareholders when
  they act as such, and those due to changes in accounting criteria or
  corrections of errors, if any.<br>
  <br>
  </font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The applicable regulations establish that certain categories of
  assets and liabilities are recognized at their fair value with a charge to
  equity. These charges, known as &#8220;Valuation adjustments&#8221; (see Note 31), are
  included in the Group&#8217;s total consolidated equity net of tax effect, which
  has been recognized as deferred tax assets or liabilities, as appropriate.</font></font></p>
  </td>
 </tr>
<tr style="height:127.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:127.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Consolidated statements of recognized income and
  expenses</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:127.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The consolidated statements of recognized income and
  expenses reflect the income and expenses generated each year. Such statement
  distinguishes between income and expenses recognized in the consolidated
  income statements and &#8220;Other recognized income (expenses)&#8221; recognized
  directly in consolidated equity. &#8220;Other recognized income (expenses)&#8221; include
  the changes that have taken place in the year in the &#8220;Valuation adjustments&#8221;
  broken down by item.</font></font></p>
  <p align=left style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The sum of the changes to the heading &#8220;Other
  comprehensive income &#8221; of the consolidated total equity and the consolidated
  profit for the year comprise the &#8220;Total recognized income/expenses of the
  year&#8221;.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Consolidation method</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Method used for the consolidation of the accounts of
  the Group&#8217;s subsidiaries. The assets and liabilities of the Group entities
  are incorporated line-by-line on the consolidate balance sheets, after
  conciliation and the elimination in full of intragroup balances, including
  amounts payable and receivable.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Group entity income statement income and expense
  headings are similarly combined line by line into the consolidated income
  statement, having made the following consolidation eliminations:</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">income
  and expenses in respect of intragroup transactions are eliminated in full.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">profits
  and losses resulting from intragroup transactions are similarly eliminated.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The carrying amount of the parent's investment and
  the parent's share of equity in each subsidiary are eliminated. </font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Contingencies</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Current obligations of the entity arising as a
  result of past events whose existence depends on the occurrence or
  non-occurrence of one or more future events independent of the will of the
  entity.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Contingent&#160; </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">commitments</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Possible obligations of the entity that arise from
  past events and whose existence depends on the occurrence or non-occurrence
  of one or more future events independent of the entity&#8217;s will and that could
  lead to the recognition of financial assets.</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-309</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_313"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:2.75pt;width:100%;">
 <tr style="height:191.25pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:191.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Control</font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:191.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An investor controls an investee when it is exposed,
  or has rights, to variable returns from its involvement with the investee and
  has the ability to affect those returns through its power over the investee.
  An investor controls an investee if and only if the investor has all the
  following:</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Power;
  An investor has power over an investee when the investor has existing rights
  that give it the current ability to direct the relevant activities, i.e. the
  activities that significantly affect the investee&#8217;s returns.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Returns;
  An investor is exposed, or has rights, to variable returns from its
  involvement with the investee when the investor&#8217;s returns from its
  involvement have the potential to vary as a result of the investee&#8217;s
  performance. The investor&#8217;s returns can be only positive, only negative or
  both positive and negative.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">c)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Link
  between power and returns; An investor controls an investee if the investor
  not only has power over the investee and exposure or rights to variable
  returns from its involvement with the investee, but also has the ability to
  use its power to affect the investor&#8217;s returns from its involvement with the
  investee.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Correlation risk</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Correlation risk is related to derivatives whose
  final value depends on the performance of more than one underlying asset
  (primarily, stock baskets) and indicates the existing variability in the
  correlations between each pair of assets.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Credit Valuation Adjustment (CVA)</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An adjustment to the valuation of OTC derivative
  contracts to reflect the creditworthiness of OTC derivative counterparties.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Current service cost</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Current service cost is the increase in the present
  value of a defined benefit obligation resulting from employee service in the
  current period.</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Current tax assets</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Taxes recoverable over the next twelve months.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Current tax liabilities</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Corporate income tax payable on taxable profit for
  the year and other taxes payable in the next twelve months.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Debit Valuation Adjustment (DVA)</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An adjustment made by an entity to the valuation of
  OTC derivative liabilities to reflect within fair value the entity&#8217;s own
  credit risk.</font></font></p>
  </td>
 </tr>
<tr style="height:63.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Debt certificates</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Obligations and other interest-bearing securities
  that create or evidence a debt on the part of their issuer, including debt
  securities issued for trading among an open group of investors, that accrue
  interest, implied or explicit, whose rate, fixed or benchmarked to other
  rates, is established contractually, and take the form of securities or
  book-entries, irrespective of the issuer.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Default</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">An asset will
  be considered as defaulted whenever it is more than 90 days past due.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deferred tax assets</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Taxes recoverable in future years, including loss
  carry forwards or tax credits for deductions and tax rebates pending
  application.</font></font></p>
  </td>
 </tr>
<tr style="height:26.9pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:26.9pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deferred tax liabilities</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:26.9pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Income taxes payable in subsequent years.</font></font></p>
  </td>
 </tr>
<tr style="height:76.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:76.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Defined benefit plans</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:76.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Post-employment obligation under which the entity,
  directly or indirectly via the plan, retains the contractual or implicit
  obligation to pay remuneration directly to employees when required or to pay
  additional amounts if the insurer, or other entity required to pay, does not
  cover all the benefits relating to the services rendered by the employees
  when insurance policies do not cover all of the corresponding post-employees
  benefits.</font></font></p>
  </td>
 </tr>
<tr style="height:63.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Defined
  contribution plans</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Defined contribution plans are retirement benefit
  plans under which amounts to be paid as retirement benefits are determined by
  contributions to a fund together with investment earnings thereon. The
  employer's obligations in respect of its employees current and prior years'
  employment service are discharged by contributions to the fund.</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-310</font></font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_314"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:2.75pt;width:100%;">
 <tr style="height:25.5pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deposits from central banks </font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deposits of all classes, including loans and money
  market operations, received from the Bank of Spain and other central banks.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deposits from credit institutions</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deposits of all classes, including loans and money
  market operations received, from credit entities.</font></font></p>
  </td>
 </tr>
<tr style="height:63.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Deposits from customers</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Redeemable cash balances received by the entity,
  with the exception of debt certificates, money market operations through
  counterparties and subordinated liabilities, which are not received from
  either central banks or credit entities. This category also includes cash
  deposits and consignments received that can be readily withdrawn.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Derivatives</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The fair value in favor (assets) or again
  (liabilities) of the entity of derivatives not designated as accounting
  hedges.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Derivatives - Hedging derivatives</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Derivatives designated as hedging instruments in an
  accounting hedge. The fair value or future cash flows of those derivatives is
  expected to offset the differences in the fair value or cash flows of the
  items hedged.</font></font></p>
  </td>
 </tr>
<tr style="height:76.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:76.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Diluted earnings per share </font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:76.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Calculated by using a method similar to that used to
  calculate basic earnings per share; the weighted average number of shares
  outstanding, and the profit attributable to the parent company corresponding
  to ordinary shareholders of the entity, if appropriate, is adjusted to take
  into account the potential dilutive effect of certain financial instruments
  that could generate the issue of new Bank shares (share option commitments
  with employees, warrants on parent company shares, convertible debt
  instruments, etc.).</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Dividends and retributions</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Dividend income collected announced during the year,
  corresponding to profits generated by investees after the acquisition of the
  stake.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Early retirements</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Employees that no longer render their services to
  the entity but which, without being legally retired, remain entitled to make economic
  claims on the entity until they formally retire.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Economic capital</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Methods or practices that allow banks to
  consistently assess risk and attribute capital to cover the economic effects
  of risk-taking activities.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Effective interest rate </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">(EIR)</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Discount rate that exactly equals the value of a
  financial instrument with the cash flows estimated over the expected life of
  the instrument based on its contractual period as well as its anticipated
  amortization, but without taking the future losses of credit risk into
  consideration.</font></font></p>
  </td>
 </tr>
<tr style="height:76.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:76.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Employee expenses</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:76.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All compensation accrued during the year in respect
  of personnel on the payroll, under permanent or temporary contracts,
  irrespective of their jobs or functions, irrespective of the concept,
  including the current costs of servicing pension plans, own share based
  compensation schemes and capitalized personnel expenses. Amounts reimbursed
  by the state Social Security or other welfare entities in respect of employee
  illness are deducted from personnel expenses.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Equity</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The residual interest in an entity's assets after deducting
  its liabilities. It includes owner or venturer contributions to the entity,
  at incorporation and subsequently, unless they meet the definition of
  liabilities, and accumulated net profits or losses, fair value adjustments
  affecting equity and, if warranted, non-controlling interests.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Equity instruments</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An equity instrument that evidences a residual interest
  in the assets of an entity, that is after deducting all of its liabilities.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Equity
  instruments issued other than capital</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Includes equity instruments that are financial
  instruments other than &#8220;Capital&#8221; and &#8220;Equity component of compound financial
  instruments&#8221;. </font></font></p>
  </td>
 </tr>
<tr style="height:63.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Equity Method</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Is a method of accounting whereby the investment is
  initially recognized at cost and adjusted thereafter for the post-acquisition
  change in the investor&#8217;s share of the investee&#8217;s net assets. The investor&#8217;s
  profit or loss includes its share of the investee&#8217;s profit or loss and the
  investor&#8217;s other comprehensive income includes its share of the investee&#8217;s
  other comprehensive income.</font></font></p>
  </td>
 </tr>
</table></div>




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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:2.75pt;width:100%;">
 <tr style="height:63.75pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Exchange/translation differences</font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Exchange differences (P&amp;L): Includes the
  earnings obtained in currency trading and the differences arising on
  translating monetary items denominated in foreign currency to the functional
  currency. Exchange differences (valuation adjustments): those recorded due to
  the translation of the financial statements in foreign currency to the
  functional currency of the Group and others recorded against equity.</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Expected Credit Loss (ECL)</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Expected credit
  losses are a probability-weighted estimate of credit losses over the expected
  life of the financial instrument. Hence, credit losses are the present value
  of expected cash shortfalls. The measurement and estimate of these expected
  credit losses should reflect:</font></font></p>
  <p align=left style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">1. An unbiased
  and probability-weighted amount.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">2. The time
  value of money by discounting this amount to the reporting date using a rate
  that approximates the EIR of the asset, and</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">3. Reasonable
  and supportable information that is available without undue cost or effort.</font></font></p>
  <p align=left style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The expected
  credit losses must be measured as the difference between the asset&#8217;s gross
  carrying amount and the present value of estimated future cash flows
  discounted at the financial asset&#8217;s original effective interest rate or an
  approximation thereof (forward looking).</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Exposure at default</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">EAD is the amount of risk exposure at the date of
  default by the counterparty.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Fair value</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The price that would be received to sell an asset or
  paid to transfer a liability in an orderly transaction between market
  participants at the measurement date.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Fair value hedges</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Derivatives that hedge the exposure to changes in
  the fair value of assets and liabilities or firm commitments that have not be
  recognized, or of an identified portion of said assets, liabilities or firm
  commitments, attributable to a specific risk, provided it could affect the
  income statement.</font></font></p>
  </td>
 </tr>
<tr style="height:63.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial Assets at Amortized Cost</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial assets that do not meet the definition of financial
  assets designated at fair value through profit or loss and arise from the
  financial entities' ordinary activities to capture funds, regardless of their
  instrumentation or maturity.</font></font></p>
  </td>
 </tr>
<tr style="height:63.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial Assets at fair value through other comprehensive
  income</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial instruments with determined or determinable cash flows
  and in which the entire payment made by the entity will be recovered, except
  for reasons attributable to the solvency of the debtor. This category
  includes both the investments from the typical lending activity as well as
  debts contracted by the purchasers of goods, or users of services, that form
  part of the entity&#8217;s business. It also includes all finance lease arrangements
  in which the consolidated subsidiaries act as lessors.</font></font></p>
  </td>
 </tr>
<tr style="height:63.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial guarantees</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Contracts that require the issuer to make specified payments to
  reimburse the holder for a loss it incurs when a specified debtor fails to
  make payment when due in accordance with the original or modified terms of a
  debt instrument, irrespective of its instrumentation. These guarantees may
  take the form of deposits, technical or financial guarantees, insurance
  contracts or credit derivatives.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial guarantees given</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Transactions through which the entity guarantees commitments
  assumed by third parties in respect of financial guarantees granted or other
  types of contracts.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial instrument</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A financial instrument is any contract that gives rise to a
  financial asset of one entity and to a financial liability or equity
  instrument of another entity.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial liabilities at amortized cost</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial liabilities that do not meet the definition of
  financial liabilities designated at fair value through profit or loss and
  arise from the financial entities' ordinary activities to capture funds,
  regardless of their instrumentation or maturity.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Goodwill</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Goodwill acquired in a business combination represents a payment
  made by the acquirer in anticipation of future economic benefits from assets
  that are not able to be individually identified and separately recognized.</font></font></p>
  </td>
 </tr>
</table></div>




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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:2.75pt;width:100%;">
 <tr style="height:38.25pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Gross income</font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Sum of net interest income, dividend income, share of profit or
  loss entities accounted for using the equity method, net fee and commission
  income, net gains and losses on financial assets and liabilities, net
  exchange differences and net other operating income.</font></font></p>
  <p align=left style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Hedges of net investments in foreign operations</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Foreign currency hedge of a net investment in a foreign
  operation.</font></font></p>
  </td>
 </tr>
<tr style="height:76.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:76.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Held for trading (assets and liabilities)</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:76.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial assets and liabilities acquired or incurred primarily
  for the purpose of profiting from variations in their prices in the short
  term.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This category also includes financial derivatives not qualifying
  for hedge accounting, and in the case of borrowed securities, financial
  liabilities originated by the firm sale of financial assets acquired under
  repurchase agreements or received on loan (&#8220;short positions&#8221;).</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Held-to-maturity investments</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Held-to-maturity investments are financial assets traded on an
  active market, with fixed maturity and fixed or determinable payments and
  cash flows that an entity has the positive intention and financial ability to
  hold to maturity. The Held-to-maturity category belongs to IAS 39 standard,
  replaced by IFRS 9.</font></font></p>
  </td>
 </tr>
<tr style="height:89.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:89.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Impaired financial assets</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:89.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">An asset is
  credit-impaired according to IFRS 9 if one or more events have occurred and
  they have a detrimental impact on the estimated future cash flows of the
  asset. </font><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Evidence that a financial asset is credit-impaired includes
  observable data about the following events:</font></i></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font></i><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></i></font><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">significant financial difficulty of the issuer or the borrower,</font></i></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font></i><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></i></font><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a breach of contract (e.g. a default or past due event),</font></i></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">c)</font></i><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></i></font><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a lender having granted a concession to the borrower &#8211; for
  economic or contractual reasons relating to the borrower&#8217;s financial
  difficulty &#8211; that the lender would not otherwise consider,</font></i></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">d)</font></i><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></i></font><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">it becoming probable that the borrower will enter bankruptcy or
  other financial reorganization,</font></i></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">e)</font></i><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></i></font><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">the disappearance of an active market for that financial asset
  because of financial difficulties, or</font></i></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">f)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">the purchase or origination of a financial asset at a deep
  discount that reflects the incurred credit losses.</font></i></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Income from equity instruments</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Dividends and income on equity instruments collected
  or announced during the year corresponding to profits generated by investees
  after the ownership interest is acquired. Income is recognized gross, i.e.,
  without deducting any withholdings made, if any.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Insurance contracts linked to pensions</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The fair value of insurance contracts written to
  cover pension commitments.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Inventories</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assets, other than financial instruments, under
  production, construction or development, held for sale during the normal
  course of business, or to be consumed in the production process or during the
  rendering of services. Inventories include land and other properties held for
  sale at the real estate development business.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Investment
  properties</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Investment property is property (land or a
  building&#8212;or part of a building&#8212;or both) held (by the owner or by the lessee
  under a finance lease) to earn rentals or for capital appreciation or both,
  rather than for own use or sale in the ordinary course of business.</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Joint arrangement</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An arrangement of which two or more parties have
  joint control.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Joint control</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The contractually agreed sharing of control of an
  arrangement, which exists only when decisions about the relevant activities
  require the unanimous consent of the parties sharing control.</font></font></p>
  </td>
 </tr>
</table></div>




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 <tr style="height:153.0pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:153.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Joint operation</font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:153.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A joint arrangement whereby the parties that have
  joint control of the arrangement have rights to the assets of the arrangement
  and obligations for the liabilities. A joint venturer shall recognize the
  following for its participation in a joint operation:</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:20.1pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-10.9pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">its assets,
  including any share of the assets of joint ownership;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:20.1pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-10.9pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;"> &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">its
  liabilities, including any share of the liabilities incurred jointly;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:20.1pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-10.9pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">c)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">income from
  the sale of its share of production from the joint venture;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:20.1pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-10.9pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">d)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;"> &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">its share of
  the proceeds from the sale of production from the joint venturer; and</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:20.1pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-10.9pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">e)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">its expenses,
  including any share of the joint expenses.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A joint venturer shall account for the assets,
  liabilities, income and expenses related to its participation in a joint
  operation in accordance with IFRS applicable to the assets, liabilities,
  income and expenses specific question.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Joint venture</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A joint arrangement whereby the parties that have
  joint control of the arrangement have rights to the net assets of the
  arrangement. A joint venturer shall recognize its interest in a joint venture
  as an investment and shall account for that investment using the equity
  method in accordance with IAS 28 Investments in Associates and Joint
  Ventures.</font></font></p>
  </td>
 </tr>
<tr style="height:102.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:102.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Leases</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:102.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A lease is an agreement whereby the lessor conveys
  to the lessee in return for a payment or series of payments the right to use
  an asset for an agreed period of time, a stream of cash flows that is
  essentially equivalent to the combination of principal and interest payments
  under a loan agreement.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">A
  lease is classified as a finance lease when it substantially transfers all
  the risks and rewards incidental to ownership of the asset forming the
  subject-matter of the contract.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:18.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">A
  lease will be classified as operating lease when it is not a financial lease.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Liabilities included in disposal groups classified
  as held for sale</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balance of liabilities directly associated with
  assets classified as non-current assets held for sale, including those
  recognized under liabilities in the entity's balance sheet at the balance
  sheet date corresponding to discontinued operations.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Liabilities under insurance contracts</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The technical reserves of direct insurance and
  inward reinsurance recorded by the consolidated entities to cover claims
  arising from insurance contracts in force at period-end. </font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Loans and advances to customers</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Loans and receivables, irrespective of their type,
  granted to third parties that are not credit entities.</font></font></p>
  </td>
 </tr>
<tr style="height:102.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:102.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Loans and receivables</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:102.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial instruments with determined or
  determinable cash flows and in which the entire payment made by the entity
  will be recovered, except for reasons attributable to the solvency of the
  debtor. This category includes both the investments from the typical lending
  activity (amounts of cash available and pending maturity by customers as a
  loan or deposits lent to other entities, and unlisted debt certificates), as
  well as debts contracted by the purchasers of goods, or users of services,
  that form </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">part of the entity&#8217;s business. It also includes all finance
  lease arrangements in which the consolidated subsidiaries act as lessors. The
  Loans and receivables category belongs to IAS 39 standard, replaced by
  &#8220;Financial Assets at Amortized Cost&#8221; under IFRS 9.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Loss given default
  (LGD)</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">It is the estimate of the loss arising in the event
  of default. It depends mainly on the characteristics of the counterparty, and
  the valuation of the guarantees or collateral associated with the asset.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Mortgage-covered bonds</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial asset or security created from mortgage
  loans and backed by the guarantee of the mortgage loan portfolio of the
  entity.</font></font></p>
  </td>
 </tr>
<tr style="height:25.7pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.7pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Net operating income</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.7pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Gross
  income less administrative costs and amortization.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non performing financial guarantees given</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balance of non performing risks, whether for
  reasons of default by customers or for other reasons, for financial
  guarantees given. This figure is shown gross: in other words, it is not
  adjusted for value corrections (loan loss reserves) made.</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-314</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_318"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:2.75pt;width:100%;">
 <tr style="height:38.25pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non Performing Loans (NPL)</font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The balance of non performing risks, whether for
  reasons of default by customers or for other reasons, for exposures on
  balance loans to customers. This figure is shown gross: in other words, it is
  not adjusted for value corrections (loan loss reserves) made.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non-controlling interests</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The net amount of the profit or loss and net assets
  of a subsidiary attributable to associates outside the group (that is, the
  amount that is not owned, directly or indirectly, by the parent), including
  that amount in the corresponding part of the consolidated earnings for the
  period.</font></font></p>
  </td>
 </tr>
<tr style="height:76.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:76.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non-current assets and disposal groups held for sale
  </font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:76.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A non-current asset or disposal group, whose
  carrying amount is expected to be realized through a sale transaction, rather
  than through continuing use, and which meets the following requirements:</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:27.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">it
  is immediately available for sale in its present condition at the balance
  sheet date, i.e. only normal procedures are required for the sale of the
  asset.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:27.2pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">the
  sale is considered highly probable.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Non-monetary assets</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Assets and liabilities that do not provide any right
  to receive or deliver a determined or determinable amount of monetary units,
  such as tangible and intangible assets, goodwill and ordinary shares
  subordinate to all other classes of capital instruments.</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Option risk</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risks arising from options, including embedded
  options.</font></font></p>
  </td>
 </tr>
<tr style="height:280.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:280.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Other financial assets/liabilities at fair value
  through profit or loss</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:280.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Instruments designated by the entity from the
  inception at fair value with changes in profit or loss. </font></font></p>
  <p align=left style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An entity may only designate a financial instrument
  at fair value through profit or loss, if doing so more relevant information
  is obtained, because:</font></font></p>
  <p align=left style="border:none;margin-bottom:6.0pt;margin-left:34.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-16.15pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">It eliminates or significantly reduces a measurement
  or recognition inconsistency (sometimes called &quot;accounting
  mismatch&quot;) that would otherwise arise from measuring assets or
  liabilities or recognizing the gains and losses on them on different bases.
  It might be acceptable to designate only some of a number of similar
  financial assets or financial liabilities if doing so a significant reduction
  (and possibly a greater reduction than other allowable designations) in the
  inconsistency is achieved.</font></font></p>
  <p align=left style="border:none;margin-bottom:6.0pt;margin-left:34.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-16.15pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">The performance of a group of financial assets or
  financial liabilities is managed and evaluated on a fair value basis, in
  accordance with a documented risk management or investment strategy, and
  information about the group is provided internally on that basis to the
  entity&#180;s key management personnel.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These are financial assets managed jointly with &#8220;Liabilities
  under insurance and reinsurance contracts&#8221; measured at fair value, in
  combination with derivatives written with a view to significantly mitigating
  exposure to changes in these contracts' fair value, or in combination with
  financial liabilities and derivatives designed to significantly reduce global
  exposure to interest rate risk.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">These headings include customer loans and deposits
  effected via so-called unit-linked life insurance contracts, in which the
  policyholder assumes the investment risk.</font></font></p>
  </td>
 </tr>
<tr style="height:114.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:114.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Other Reserves</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:114.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This heading is broken down as follows:</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:5.9pt;margin-right:0cm;margin-top:10.0pt;text-align:left;text-indent:-5.9pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; </font><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">i)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Reserves or accumulated losses of investments in
  subsidiaries, joint ventures and associate: include the accumulated amount of
  income and expenses generated by the aforementioned investments through
  profit or loss in past years.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:5.9pt;margin-right:0cm;margin-top:10.0pt;text-align:left;text-indent:-5.9pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp; </font><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">ii)</font><font color=black face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Other: includes reserves different from those
  separately disclosed in other items and may include legal reserve and
  statutory reserve.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Other retributions to employees long term</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Includes the amount of compensation plans to
  employees long term.</font></font></p>
  </td>
 </tr>
</table></div>




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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:2.75pt;width:100%;">
 <tr style="height:15.0pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Own/treasury shares</font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amount of own equity instruments held by the
  entity.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Past service cost</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">It is the change in the present value of the defined
  benefit obligation for employee service in prior periods, resulting in the
  current period from the introduction of, or changes to, post-employment
  benefits or other long-term employee benefits.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Post-employment benefits</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Retirement benefit plans are arrangements whereby an
  enterprise provides benefits for its employees on or after termination of
  service.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Probability of default (PD)</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">It is the probability of the counterparty failing to
  meet its principal and/or interest payment obligations. The PD is associated
  with the rating/scoring of each counterparty/transaction. </font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Property, plant and equipment/tangible assets</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Buildings, land, fixtures, vehicles, computer
  equipment and other facilities owned by the entity or acquired under finance leases.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provisions</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provisions include amounts recognized to cover the
  Group&#8217;s current obligations arising as a result of past events, certain in
  terms of nature but uncertain in terms of amount and/or cancellation date.</font></font></p>
  </td>
 </tr>
<tr style="height:63.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provisions for contingent liabilities and
  commitments</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:63.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provisions recorded to cover exposures arising as a
  result of transactions through which the entity guarantees commitments
  assumed by third parties in respect of financial guarantees granted or other
  types of contracts, and provisions for contingent commitments, i.e.,
  irrevocable commitments which may arise upon recognition of financial assets.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provisions for pensions and similar obligation</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Constitutes all provisions recognized to cover
  retirement benefits, including commitments assumed vis-&#224;-vis beneficiaries of
  early retirement and analogous schemes.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provisions or (-) reversal of provisions</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Provisions recognized during the year, net of
  recoveries on amounts provisioned in prior years, with the exception of
  provisions for pensions and contributions to pension funds which constitute
  current or interest expense.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Refinanced Operation</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An operation which is totally or partially brought
  up to date with its payments as a result of a refinancing operation made by
  the entity itself or by another company in its group.</font></font></p>
  </td>
 </tr>
<tr style="height:114.75pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:114.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Refinancing Operation</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:114.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An operation which, irrespective of the holder or
  guarantees involved, is granted or used for financial or legal reasons
  related to current or foreseeable financial difficulties that the holder(s)
  may have in settling one or more operations granted by the entity itself or
  by other companies in its group to the holder(s) or to another company or
  companies of its group, or through which such operations are totally or
  partially brought up to date with their payments, in order to enable the
  holders of the settled or refinanced operations to pay off their loans
  (principal and interest) because they are unable, or are expected to be
  unable, to meet the conditions in a timely and appropriate manner.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Renegotiated Operation</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An operation whose financial conditions are modified
  when the borrower is not experiencing financial difficulties, and is not
  expected to experience them in the future, i.e. the conditions are modified
  for reasons other than restructuring.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Repricing risk</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risks related to the timing mismatch in the maturity
  and repricing of assets and liabilities and off-balance sheet short and
  long-term positions. </font></font></p>
  </td>
 </tr>
</table></div>




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<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:2.75pt;width:100%;">
 <tr style="height:165.75pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:165.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Restructured Operation</font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:165.75pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">An operation whose financial conditions are modified
  for economic or legal reasons related to the holder's (or holders') current
  or foreseeable financial difficulties, in order to enable payment of the loan
  (principal and interest), because the holder is unable, or is expected to be
  unable, to meet those conditions in a timely and appropriate manner, even if
  such modification is provided for in the contract. In any event, the
  following are considered restructured operations: operations in which a
  haircut is made or assets are received in order to reduce the loan, or in
  which their conditions are modified in order to extend their maturity, change
  the amortization table in order to reduce the amount of the installments in
  the short term or reduce their frequency, or to establish or extend the grace
  period for the principal, the interest or both; except when it can be proved
  that the conditions are modified for reasons other than the financial
  difficulties of the holders and, are similar to those applied on the market
  on the modification date for operations granted to customers with a similar
  risk profile.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Retained earnings</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Accumulated net profits or losses recognized in the
  income statement in prior years and retained in equity upon distribution.</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Securitization fund</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:38.25pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A fund that is configured as a separate equity and administered
  by a management company. An entity that would like funding sells certain
  assets to the securitization fund, which, in turn, issues securities backed
  by said assets.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Share premium</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The amount paid in by owners for issued equity at a
  premium to the shares' nominal value.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Shareholders' funds</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:34.25pt;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Contributions by stockholders, accumulated earnings
  recognized in the income statement and the equity components of compound
  financial instruments.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Short positions</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial liabilities arising as a result of the
  final sale of financial assets acquired under repurchase agreements or
  received on loan.</font></font></p>
  </td>
 </tr>
<tr style="height:229.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:229.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Significant increase in credit risk</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:229.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">In order to determine whether there has been a significant
  increase in credit risk for lifetime expected losses recognition, the Group
  has develop a two-prong approach:</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font></i><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></i></font><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Quantitative criterion</font></i></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">: based on comparing the
  current expected probability of default over the life of the transaction with
  the original adjusted expected probability of default. The thresholds used
  for considering a significant increase in risk take into account special
  cases according to geographic areas and portfolios.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:35.7pt;margin-right:0cm;margin-top:10.0pt;text-align:left;text-indent:-17.85pt;"><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font></i><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></i></font><font face=Arial,sans-serif style="border:none;"><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">Qualitative
  criterion:</font></i></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;"> most indicators for detecting significant risk increase are
  included in the Group's systems through rating/scoring systems or
  macroeconomic scenarios, so quantitative analysis covers the majority of
  circumstances. The Group will use additional qualitative criteria when it
  considers it necessary to include circumstances that are not reflected in the
  rating/score systems or macroeconomic scenarios used.</font></font></p>
  </td>
 </tr>
<tr style="height:229.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:229.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Significant influence</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:229.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Is the power to participate in the financial and operating
  policy decisions of the investee but is not control or joint control of those
  policies. If an entity holds, directly or indirectly (i.e. through
  subsidiaries), 20 per cent or more of the voting power of the investee, it is
  presumed that the entity has significant influence, unless it can be clearly
  demonstrated that this is not the case. Conversely, if the entity holds,
  directly or indirectly (i.e. through subsidiaries), less than 20 per cent of
  the voting power of the investee, it is presumed that the entity does not
  have significant influence, unless such influence can be clearly
  demonstrated. A substantial or majority ownership by another investor does
  not necessarily preclude an entity from having significant influence.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">The existence of significant influence by an entity is usually
  evidenced in one or more of the following ways: </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">representation
  on the board of directors or equivalent governing body of the investee;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">participation
  in policy-making processes, including participation in decisions about
  dividends or other distributions;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">c)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">material
  transactions between the entity and its investee;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">d)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">interchange of
  managerial personnel; or </font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-align:left;text-indent:-18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">e)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">provision of
  essential technical information.</font></font></p>
  </td>
 </tr>
</table></div>




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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:2.75pt;width:100%;">
 <tr style="height:25.5pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Solely Payments of Principle and
  Interest (SPPI)</font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The assessment
  as to how an asset shall be classified is made on the basis of both the
  business model for managing the financial asset and the contractual cash flow
  characteristic of the financial asset (SPPI Criterion). To determine whether
  a financial asset shall be classified as measured at amortized cost or FVOCI,
  a</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Group assesses
  (apart from the business model) whether the cash flows from the financial
  asset represent, on specified dates, solely payments of principal and
  interest on the principal amount outstanding (SPPI).</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Stages</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">IFRS 9 classifies financial instruments into
  three categories, which depend on the evolution of their credit risk from the
  moment of initial recognition. The first category includes the transactions
  when they are initially recognized - </font><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">without significant increase in
  credit risk</font></i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> (Stage 1); the second comprises the operations for which a
  significant increase in credit risk has been identified since its initial
  recognition - </font><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">significant increase in credit risk</font></i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> (Stage 2) and the
  third one, the impaired operations </font><i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Impaired&nbsp;</font></i><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;"> (Stage 3).</font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">The transfer logic is defined in a
  symmetrical way, whenever the condition that</font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">triggered a transfer to Stage 2 is no longer
  met, the exposure will be transferred to</font></font></p>
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:normal;">Stage 1. In the case of forbearances
  transferred to stage 2, as long as the loan is flagged as forbearance it will
  keep its status as Stage 2. However, when the loan is not flagged as
  forbearance it will be transferred back to Stage 1.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Structured credit products</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Special
  financial instrument backed by other instruments building a subordination
  structure.</font></font></p>
  </td>
 </tr>
<tr style="height:178.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:178.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Structured Entities</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:178.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">A structured entity is an entity that has been designed so that
  voting or similar rights are not the dominant factor in deciding who controls
  the entity, such as when any voting rights relate to administrative tasks
  only and the relevant activities are directed by means of contractual
  arrangements. A structured entity often has some or all of the following
  features or attributes:</font></font></p>
  <p align=left style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:left;text-indent:18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">restricted
  activities.</font></font></p>
  <p align=left style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:left;text-indent:18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a narrow and
  well-defined objective, such as to effect a tax-efficient lease, carry out
  research and development activities, provide a source of capital or funding
  to an entity or provide investment opportunities for investors y passing on
  risks and rewards associated with the assets of the structured entity to
  investors.</font></font></p>
  <p align=left style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:left;text-indent:18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">c)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">insufficient
  equity to permit the structured entity to finance its activities without
  subordinated financial support.</font></font></p>
  <p align=left style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:left;text-indent:18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">d)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">financing in
  the form of multiple contractually linked instruments to investors that
  create concentrations of credit or other risks (tranches).</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Subordinated liabilities</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financing
  received, regardless of its instrumentation, which ranks after the common
  creditors in the event of a liquidation.</font></font></p>
  </td>
 </tr>
<tr style="height:204.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:204.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Subsidiaries</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:204.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Companies over which the Group exercises control. An entity is
  presumed to have control over another when it possesses the right to oversee
  its financial and operational policies, through a legal, statutory or
  contractual procedure, in order to obtain benefits from its economic
  activities. Control is presumed to exist when the parent owns, directly or
  indirectly through subsidiaries, more than one half of an entity's voting
  power, unless, exceptionally, it can be clearly demonstrated that ownership
  of more than one half of an entity's voting rights does not constitute
  control of it. Control also exists when the parent owns half or less of the
  voting power of an entity when there is:</font></font></p>
  <p align=left style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:left;text-indent:18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">an agreement
  that gives the parent the right to control the votes of other shareholders;</font></font></p>
  <p align=left style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:left;text-indent:18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">power to govern
  the financial and operating policies of the entity under a statute or an
  agreement; power to appoint or remove the majority of the members of the
  board of directors or equivalent governing body and control of the entity is
  by that board or body;</font></font></p>
  <p align=left style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:left;text-indent:18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">c)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp; &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">power to cast
  the majority of votes at meetings of the board of directors or equivalent
  governing body and control of the entity is by that board or body.</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Tax liabilities</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">All
  tax related liabilities except for provisions for taxes.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Territorial bonds</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Financial
  assets or fixed asset security issued with the guarantee of portfolio loans
  of the public sector of the issuing entity.</font></font></p>
  </td>
 </tr>
</table></div>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-318</font></font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_322"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>


<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;text-align:justify;"><font style="border:none;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:2.75pt;width:100%;">
 <tr style="height:25.5pt;">
  <td width=23% style="border:solid windowtext 1.0pt;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Tier 1 Capital</font></font></p>
  </td>
 <td width=77% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Mainly
  includes: Common stock, parent company reserves, reserves in consolidated
  companies, non-controlling interests, deductions and others and attributed
  net income.</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Tier 2 Capital</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:25.5pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Mainly
  includes: Subordinated, preferred shares and non- controlling interest.</font></font></p>
  </td>
 </tr>
<tr style="height:51.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Unit-link</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:51.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">This
  is life insurance in which the policyholder assumes the risk. In these
  policies, the funds for the technical insurance provisions are invested in
  the name of and on behalf of the policyholder in shares of Collective
  Investment Institutions and other financial assets chosen by the
  policyholder, who bears the investment risk.</font></font></p>
  </td>
 </tr>
<tr style="height:204.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:204.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Value at Risk (VaR)</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:204.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Value at Risk (VaR) is the basic variable for measuring and
  controlling the Group&#8217;s market risk. This risk metric estimates the maximum
  loss that may occur in a portfolio&#8217;s market positions for a particular time
  horizon and given confidence level</font></font></p>
  <p align=left style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">VaR figures are estimated following two methodologies:</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:left;text-indent:18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">a)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">VaR without smoothing, which awards equal weight to the daily
  information for the immediately preceding last two years. This is currently
  the official methodology for measuring market risks vis-&#224;-vis limits compliance
  of the risk.</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:left;text-indent:18.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">b)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:106%;">&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:106%;">VaR with smoothing, which weighs more recent market information
  more heavily. This is a metric which supplements the previous one.</font></font></p>
  <p align=left style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">VaR with smoothing adapts itself more swiftly to the changes in
  financial market conditions, whereas VaR without smoothing is, in general, a
  more stable metric that will tend to exceed VaR with smoothing when the
  markets show less volatile trends, while it will tend to be lower when they
  present upturns in uncertainty.</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=23% style="border:none;border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p align=left style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:left;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Yield curve risk</font></font></p>
  </td>
 <td width=77% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:solid windowtext 1.0pt;border-top:none;height:15.0pt;padding:0cm 3.5pt 0cm 3.5pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">Risks
  arising from changes in the slope and the shape of the yield curve.</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;display:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>




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<p align=center style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-319</font></font></p>


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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>4
<FILENAME>d20frecastex231.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>

<html>

<head>
<meta content="text/html; charset=utf-8" />




&nbsp;</head>

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=center style="border:none;margin-bottom:26.0pt;margin-left:0cm;margin-right:0cm;margin-top:15.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;line-height:13.0pt;">Consent of
Independent Registered Public Accounting Firm</font></b></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;line-height:12.0pt;">The Board
of Directors</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:11.0pt;line-height:12.0pt;">Banco Bilbao Vizcaya Argentaria, S.A.:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;line-height:12.0pt;">We consent to the incorporation by reference in
the registration statements No. 333&#8209;212729 on Form F-3 as amended and
Nos. 333-228053, 333-217073, 333&#8209;208728, 333&#8209;199835, 333-191625,
333-185538, 333-178186, 333-167389, 333-163816, and 333-149157 on Form S-8 of
Banco Bilbao Vizcaya Argentaria, S.A. of our report dated March 28, 2019,
except for Note 6 and ordinary earnings and ordinary income by operating
segment disclosed in Note 55.2, which is as of June 25, 2019, with respect to
the consolidated balance sheets of Banco Bilbao Vizcaya Argentaria, S.A. as of
December 31, 2018 and 2017, the related consolidated statements of income,
recognized income and expenses, changes in equity, and cash flows for the years
then ended, and the related notes, which report appears in the accompanying
Form 6-K of Banco Bilbao Vizcaya Argentaria, S.A. dated June 25, 2019.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;line-height:12.0pt;">Our report on the consolidated financial
statements refers to a change in accounting for financial instruments due to
the adoption of International Financial Reporting Standard 9, </font><i><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;line-height:12.0pt;">Financial
Instruments </font></i><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;line-height:12.0pt;">and to a change in accounting for hyperinflationary economies
under International Accounting Standard 29, </font><i><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;line-height:12.0pt;">Financial Reporting in
Hyperinflationary Economies.</font></i></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">/s/&#160; KPMG
Auditores, S.L.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;line-height:12.0pt;">Madrid,
Spain</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;line-height:12.0pt;">June 25, 2019</font></font></p>




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<p style="border:none;margin-bottom:8.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:107%;">&nbsp;</font></font></p>


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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>5
<FILENAME>d20frecastex232.htm
<DESCRIPTION>EXHIBIT 23.2
<TEXT>

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<head>
<meta content="text/html; charset=utf-8" />




&nbsp;</head>

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<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-add-space:auto;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan no-line-numbers;"><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p align=center style="border:none;margin-bottom:26.0pt;margin-left:0cm;margin-right:0cm;margin-top:15.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;"><b><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;line-height:13.0pt;">Consent of
Independent Registered Public Accounting Firm</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">We consent
to the incorporation by reference in Registration Statement No. 333-212729 on
Form F-3 and in Registration Statements No. 333-28053, 333-217073, 333-208728,
333-199835, 333-191625, 333-185538, 333-178186, 333-167389, 333-163816 and
333-149157 on Form S-8 of our report dated March 31, 2017 relating to the
consolidated financial statements of Banco Bilbao Vizcaya Argentaria, S.A. and
subsidiaries composing the Banco Bilbao Vizcaya Argentaria Group (the &#8220;Group&#8221;) for
the year ended December 31, 2016, appearing in this Report on Form 6-K of Banco
Bilbao Vizcaya Argentaria S.A. </font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">/s/ DELOITTE, S.L. </font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">Madrid,
Spain </font></font></p>

<p style="border:none;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">June 25, 2019</font></font></p>




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<SEQUENCE>6
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  <ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory id="ID_8" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;1.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Introduction, basis for the presentation of the Consolidated Financial Statements, internal control over financial reporting and other information&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;1.1   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Introduction&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Banco Bilbao Vizcaya Argentaria, S.A.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; (hereinafter &amp;#8220;the Bank&amp;#8221; or &amp;#8220;BBVA&amp;quot;) is a &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;private-law entity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; subject to the laws and regulations governing banking entities operating in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Spain&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. It carries out its activity through branches and agencies &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;across the country and abroad.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Bylaws and other public information are available for inspection at the Bank&amp;#8217;s registered address (&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Plaza San Nicol&amp;#225;s, 4 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Bilbao&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;) as noted on its web site (www.bbva.com).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition to the activities it carries out directl&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;y, the Bank heads a group of subsidiaries, joint ventures and associates which perform a wide range of activities and which together with the Bank constitute the Banco Bilbao Vizcaya Argentaria Group (hereinafter, &amp;#8220;the Group&amp;#8221; or &amp;#8220;the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;BBVA Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8221;). In addit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ion to its own separate Financial Statements, the Bank is required to prepare Consolidated Financial Statements comprising all consolidated subsidiaries of the Group.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, the BBVA Group had &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;297 consolidated entities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;66 entities acc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ounted for using the equity method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; (see Notes 3 and 16 and Appendix I to V).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Consolidated Financial Statements of the BBVA Group for the year ended December 31, 2018&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; have been authorized for issue on &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;March 28&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, 2019&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;1.2   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Basis for the presentation of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Consolidated Financial Statements&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group&amp;#8217;s Consolidated Financial Statements are presented in compliance with IFRS-IASB (International Financial Reporting Standards as issued by the International Accounting Standards Board), as well as in accor&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;dance with the International Financial Reporting Standards endorsed by the European Union (hereinafter, &amp;#8220;EU-IFRS&amp;#8221;) applicable as of December 31, 2018, considering the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Bank of Spain Circular &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;4/2017, and with any other legislation governing financial reporti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng applicable to the Group in Spain.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group&amp;#8217;s accompanying Consolidated Financial Statements for the year ended December 31, 2018 were prepared by the Group&amp;#8217;s Directors (through the Board of Directors meeting held on February 11, 2019) by applying &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the principles of consolidation, accounting policies and valuation criteria described in Note 2, so that they present fairly the Group&amp;#8217;s total consolidated equity and financial position as of December 31, 2018, together with the consolidated results of its&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; operations and cash flows generated during the year ended December 31, 2018.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These Consolidated Financial Statements were prepared on the basis of the accounting records kept by the Bank and each of the other entities in the Group. Moreover, they include &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the adjustments and reclassifications required to harmonize the accounting policies and valuation criteria used by the Group (see Note 2.2).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All effective accounting standards and valuation criteria with a significant effect in the Consolidated Financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Statements were applied in their preparation.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amounts reflected in the accompanying Consolidated Financial Statements are presented in millions of euros, unless it is more appropriate to use smaller units. Some items that appear without a balance in t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hese Consolidated Financial Statements are due to how the units are expressed. Also, in presenting amounts in millions of euros, the accounting balances have been rounded up or down. It is therefore possible that the totals appearing in some tables are not&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the exact arithmetical sum of their component figures.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The percentage changes in amounts have been calculated using figures expressed in thousands of euros&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;1.3   Comparative information&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-style:italic;margin-left:0pt;color:#5B9BD5;' &gt;Changes in accounting policies&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Application of IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of January &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1, 2018, IFRS 9 &amp;#8220;Financial instruments&amp;#8221; replaced IAS 39 &amp;#8220;Financial Instruments: Recognition and Measurement&amp;#8221; and includes changes in the requirements for the classification and measurement of financial assets and financial liabilities, the impairment of fi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nancial assets and hedge accounting (see Note 2.2.1). As permitted by the standard, IFRS 9 has not been applied retrospectively for previous years. The impact of the first application of IFRS 9 is presented in Note 2.4.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As a consequence of the application &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of IFRS 9, the comparative information for the financial years 2017 and 2016 included in these Consolidated Financial Statements has been subject to some non-significant modifications in order to improve the comparability with the figures of the financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;year 2018.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Hyperinflationary economies&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#8217;s experience applying IAS 29 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;quot;Financial information in hyperinflationary economies&amp;quot; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in its subsidiaries in Venezuela allows us to confirm the complexity of applying the accounting mechanism of inflation toge&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ther with the historical movements of the exchange rates in a way that results are economically understandable, especially when there is not a consistent evolution between inflation and exchange rate in each period.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In this context, with the aim of improvi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng the faithful representation of the financial statements, during 2018 the Group made an accounting policy change which involves recording in a single account of &amp;quot;Shareholders&amp;#8217; funds &amp;#8211; retained earnings&amp;quot;, both the revaluation of non-monetary items due to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the effect of hyperinflation and the differences generated when translating the restated financial statements of the subsidiaries in hyperinflationary economies into euros. Translation differences, prior to the accounting policy change were recorded in the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; item &amp;#8220;Accumulated other comprehensive income &amp;#8211; items that may be reclassified to profit or loss &amp;#8211; foreign currency translation&amp;#8221; (see Notes 2.2.16 and 2.2.20). The accounting policy change, in accordance with IAS 8, offers and provides more reliable and re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;levant information of operations in hyperinflationary economies.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In order to make the information comparable, we have restated the information of the previous years, in such a way that &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,853, &amp;#8364;1,836 and &amp;#8364;1,826 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;million have been reclassified from &amp;quot;Accumula&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ted other comprehensive income &amp;#8211; items that may be reclassified to profit or loss &amp;#8211; foreign currency translation&amp;quot; to &amp;quot;Shareholders&amp;#8217; funds &amp;#8211; retained earnings&amp;quot; as of December 31, 2017, December 31, 2016 and January 1, 2016, respectively, relating to the Gro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;up companies registered in Venezuela (an economy that was also considered hyperinflationary in 2017 and 2016). Additionally, &amp;#8364;828, &amp;#8364;817 and &amp;#8364;816 million have been reclassified from &amp;#8220;Non-controlling interest &amp;#8211;Accumulated other comprehensive income&amp;#8221; to &amp;#8220;Non-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;controlling interest &amp;#8211; other&amp;#8221; as of December 31, 2017, December 31, 2016 and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; January 1, 2016, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he reclassification corresponding to January 1, 2018, 2017 and 2016 is recorded as &amp;quot;Effects of changes in accounting policies&amp;quot; in the Consolidated Statement of Changes in Equity corresponding to the years ended December 31, 2018, 2017 and 2016. In the cons&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;olidated balance sheet as of December 31, 2018, 2017 and 2016, the heading &amp;quot; Shareholders&amp;#8217; funds &amp;#8211; retained earnings&amp;#8221; includes both the translation differences and the effects of restatement for inflation&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-style:italic;margin-left:0pt;color:#5B9BD5;' &gt;Operating segments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During 2018, there were no sig&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nificant changes to the existing structure of the BBVA Group&amp;#8217;s operating segments in comparison to 2017 (see Note 6). Certain prior year balances have been reclassified to conform to current year presentation.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;1.4   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Seasonal nature of income and expenses&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The nature of the most significant activities carried out by the BBVA Group&amp;#8217;s entities is mainly related to typical activities carried out by financial institutions, which are not significantly affected by seasonal factors within the same year.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;1.5   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Respo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;nsibility for the information and for the estimates made&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The information contained in the BBVA Group&amp;#8217;s Consolidated Financial Statements is the responsibility of the Group&amp;#8217;s Directors.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Estimates were required to be made at times when preparing these Consol&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;idated Financial Statements in order to calculate the recorded or disclosed amount of some assets, liabilities, income, expenses and commitments. These estimates relate mainly to the following:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Impairment on certain financial assets (see Notes 7, 13, 14 an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;d 16).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The assumptions used to quantify certain provisions (see Note 24) and for the actuarial calculation of post-employment benefit liabilities and commitments (see Note 25).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The useful life and impairment losses of tangible and intangible assets (see No&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tes 17, 18, 20 and 21).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The valuation of goodwill and price allocation of business combinations (see Note 18).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The fair value of certain unlisted financial assets and liabilities (see Notes 7, 8, 10, 11, 12 and 13).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The recoverability of deferred tax &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;assets (See Note 19).&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Although these estimates were made on the basis of the best information available as of the end of the reporting period, future events may make it necessary to modify them (either up or down) over the coming years. This would be done &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;prospectively in accordance with applicable standards, recognizing the effects of changes in the estimates in the corresponding consolidated income statement.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During 2018, 2017 and 2016 there were no significant changes to the assumptions and estimations, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;except as indicated in these Consolidated Financial Statements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;1.6   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;BBVA Group&amp;#8217;s Internal Control over Financial Reporting&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA Group&amp;#8217;s Consolidated Financial Statements are prepared under an Internal Control over Financial Reporting Model (hereinafter &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8220;ICFR&amp;quot;). It provides reasonable assurance with respect to the reliability and the integrity of the consolidated financial statements. It is also aimed to ensure that the transactions are processed in accordance with the applicable laws and regulations.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e ICFR is in accordance with the control framework established in 2013 by the &amp;#8220;Committee of Sponsoring Organizations of the Treadway Commission&amp;#8221; (hereinafter, &amp;quot;COSO&amp;quot;). The COSO 2013 framework sets five components that constitute the basis of the effectiven&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ess and efficiency of the internal control systems:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The establishment of an appropriate control framework.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The assessment of the risks that could arise during the preparation of the financial information.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The design of the necessary controls to mitigate &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the identified risks.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The establishment of an appropriate system of information to detect and report system weaknesses.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The monitoring activities over the controls to ensure they perform correctly and are effective over time.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The ICFR is a dynamic model th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;at evolves continuously over time to reflect the reality of the BBVA Group&amp;#8217;s businesses and processes, as well as the risks and controls designed to mitigate them. It is subject to a continuous evaluation by the internal control units located in the differ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ent entities of BBVA Group.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These internal control units are integrated within the BBVA internal control model which is based in two pillars:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A control system organized into three lines of defense:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:32,2pt;color:#000000;' &gt;- T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he first line is located within the business and support units, which are responsible for identifying risks associated with their processes and to execute the controls established to mitigate them.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:32,2pt;color:#000000;' &gt;- T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he second line comprises the specialized control units &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;(Compliance, Internal Financial Control, Internal Risk Control, Engineering Risk, Fraud &amp;amp; Security, and Operations Control among others). This second line defines the models and controls under their areas of responsibility and monitors the design, correct &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;implementation and effectiveness of the controls&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:32,2pt;color:#000000;' &gt;- T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he third line is the Internal Audit unit, which conducts an independent review of the model, verifying the compliance and effectiveness of the model.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A set of committees called Corporate Assurance that he&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;lps to escalate the internal control issues to the management at a Group level and also in each of the countries where the Group operates.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The ICFR Model is subject to annual evaluations by the Group&amp;#8217;s Internal Audit Unit. It is also supervised by the Audit and Compliance Committee of the Bank&amp;#8217;s Board of Directors.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;also &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;required to comply&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; with Sarbanes-Oxley Act (hereafter &amp;#8220;SOX&amp;#8221;) for Consolidated Financial Statements as a listed company with the U.S. Securities and Exchange Commission (&amp;#8220;SEC&amp;#8221;). The main senior executives of the Group are involved in the design, compliance and implementation&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of the internal control model to make it effective and to ensure the quality and accuracy of the financial information.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory>
  <ifrs-full:DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory id="ID_9" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;2.  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Principles of consolidation, accounting policies and measurement bases applied and recent IFRS pronouncements&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Glossary includes the definition of some of the financial and economic terms used in Note 2 and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;subsequent Notes.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.1   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Principles of consolidation&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In terms of its consolidation, in accordance with the criteria established by IFRS, the BBVA Group is made up of four types of entities: subsidiaries, joint ventures, associates and structured entities, d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;efined as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Subsidiaries&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Subsidiaries are entities controlled by the Group. The financial statements of the subsidiaries are fully consolidated with those of the Bank. The share of non-controlling interests from subsidiaries in the Group&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;consolidated total equity is presented under the heading &amp;#8220;Minority interests (Non-controlling interests)&amp;#8221; in the consolidated balance sheet. Their share in the profit or loss for the period or year is presented under the heading &amp;#8220;Attributable to minority i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nterest (non-controlling interests)&amp;#8221; in the accompanying consolidated income statement (see Note 31).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Note 3 includes information related to the main subsidiaries in the Group as of December 31, 2018. Appendix I includes other significant information on th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ese entities.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Joint &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ventures&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Joint ventures are those entities over which there is a joint arrangement to joint control with third parties other than the Group (for definitions of joint arrangement, joint control and joint venture, refer to Glossary). &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The investments in joint ventures are accounted for using the equity method (see Note 16). Appendix II shows the main figures for joint ventures accounted for using the equity method. &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Associates&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Associates are entities in which the Group is able to exerci&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;se significant influence (for definition of significant influence, see Glossary). Significant influence is deemed to exist when the Group owns 20% or more of the voting rights of an investee directly or indirectly, unless it can be clearly demonstrated tha&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t this is not the case.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;However, certain entities in which the Group owns 20% or more of the voting rights are not included as Group associates, since the Group does not have the ability to exercise significant influence over these entities. Investments in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; these entities, which do not represent material amounts for the Group, are classified as &amp;#8220;Financial assets at fair value through other comprehensive income&amp;#8221;. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In contrast, some investments in entities in which the Group holds less than 20% of the voting r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ights are accounted for as Group associates, as the Group is considered to have the ability to exercise significant influence over these entities. As of December 31, 2018, 2017 and 2016 these entities are not significant in the Group.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Appendix II shows th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e most significant information related to the associates (see Note 16), which are accounted for using the equity method.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Structured&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; Entities&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A structured entity is an entity that has been designed so that voting or similar rights are not the dominant facto&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;r in deciding who controls the entity, such as when the voting rights relate to administrative matters only and the relevant activities are directed by means of contractual arrangements (see Glossary).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In those cases where the Group sets up entities or has&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; a holding in such entities, in order to allow its customers access to certain investments, to transfer risks or for other purposes, in accordance with internal criteria and procedures and with applicable regulations, the Group determines whether control o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ver the entity in question actually exists and therefore whether it should be subject to consolidation.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Such methods and procedures determine whether there is control by the Group, considering how the decisions are made about the relevant activities, asses&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ses whether the Group has all power over the relevant elements, exposure, or rights, to variable returns from involvement with the investee and the ability to use power over the investee to affect the amount of the investor&amp;#8217;s returns.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Structured&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; entities s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ubject to consolidation&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;To determine if a structured entity is controlled by the Group, and therefore should be consolidated into the Group, the existing contractual rights (different from the voting rights) are analyzed. For this reason, an analysis of th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e structure and purpose of each investee is performed and, among others, the following factors will be considered:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- E&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;vidence of the current ability to manage the relevant activities of the investee according to the specific business needs (including any d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ecisions that may arise only in particular circumstances).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Potential existence of a special relationship with the investee.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- Implicit or explicit Group commitments to support the investee.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- The ability to use the Group&amp;#180;s power over the investee to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;affect the amount of the Group&amp;#8217;s returns.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;There are cases where the Group has a high exposure to variable returns and retains decision-making power over the investee, either directly or through an agent.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The main structured entities of the Group are the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;asset securitization funds, to which the BBVA Group transfers loans and receivables portfolios, and other vehicles, which allow the Group&amp;#8217;s customers to gain access to certain investments or to allow for the transfer of risks or for other purposes (see App&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;endices I and V). The BBVA Group maintains the decision-making power over the relevant activities of these vehicles and financial support through securitized market standard contracts. The most common ones are: investment positions in equity note tranches,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; funding through subordinated debt, credit enhancements through derivative instruments or liquidity lines, management rights of defaulted securitized assets, &amp;#8220;clean-up&amp;#8221; call derivatives, and asset rep&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;urchase clauses by the grantor.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For these reasons, the l&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;oans and receivable portfolios related to the vast majority of the securitizations carried out by the Bank or Group subsidiaries are not derecognized in the books of said entity and the issuances of the related debt securities are recorded as liabilities w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ithin the Group&amp;#8217;s consolidated balance sheet.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Non-consolidated structured entities&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group owns other vehicles also for the purpose of allowing customers access to certain investments, to transfer risks, and for other purposes, but without the Group having control of the vehicles, which are not consolidated in accordance with &amp;#8220;IFRS 10 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;- Consolidated Financial Statements&amp;#8221;. The balance of assets and liabilities of these vehicles is not material in relation to the Group&amp;#8217;s Consolidated Financial Statements. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016 there was no material financial support from&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the Bank or its subsidiaries to unconsolidated structured entities.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group does not consolidate any of the mutual funds it manages since the necessary control conditions are not met (see definition of control in the Glossary). Particularly, the BBVA G&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;roup does not act as arranger but as agent since it operates the mutual funds on behalf and for the benefit of investors or parties (arranger or arrangers) and, for this reason it does not control the mutual funds when exercising its authority for decision&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; making.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The mutual funds managed by the Group are not considered structured entities (generally, retail funds without corporate identity over which investors have participations which gives them ownership of said managed equity). These funds are not depen&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;dent on a capital structure that could prevent them from carry out activities without additional financial support, being in any case insufficient as far as the activities themselves are concerned. Additionally, the risk of the investment is absorbed by th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e fund participants, and the Group is only exposed when it becomes a participant, and as such, there is no other risk for the Group.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In all cases, the operating results of equity method investees acquired by the BBVA Group in a particular period only inclu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;de the period from the date of acquisition to the financial statements date. Similarly, the results of entities disposed of during any only include year the period from the start of the year to the date of disposal.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The consolidated financial statements of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; subsidiaries, associates and joint ventures used in the preparation of the Consolidated Financial Statements of the Group have the same presentation date as the Consolidated Financial Statements. If financial statements at those same dates are not availab&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;le, the most recent will be used, as long as these are not older than three months, and adjusted to take into account the most significant transactions. As of December 31, 2018, except for the case of the consolidated financial statements of two subsidiari&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es and six associates and joint-ventures deemed non-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;significant for which &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;financial statements&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;as of November 30, 2018 were used, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the December 31, 2018 financial statements for of all Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; entities were utilized.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA banking subsidiaries, associates and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;joint ventures worldwide, are subject to supervision and regulation from a variety of regulatory bodies in relation to, among other aspects, the satisfaction of minimum capital requirements. The obligation to satisfy such capital requirements may affect th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e ability of such entities to transfer funds in the form of cash dividends, loans or advances. In addition, under the laws of the various jurisdictions where such entities are incorporated, dividends may only be paid out through funds legally available for&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; such purpose. Even when the minimum capital requirements are met and funds are legally available, the relevant regulators or other public administrations could discourage or delay the transfer of funds to the Group in the form of cash, dividends, loans or&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; advances for prudential reasons.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Accounting policies and valuation criteria applied&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The accounting standards and policies and the valuation criteria applied in preparing these Consolidated Financial Statements may differ from those used by some of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the entities within the BBVA Group. For this reason, necessary adjustments and reclassifications have been made in the consolidation process to standardize these principles and criteria and comply with the IFRS-IASB.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The accounting standards and policies &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;and valuation criteria used in preparing the accompanying Consolidated Financial Statements are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.1   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Financial instruments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As mentioned in Note 1.3, IFRS 9 became effective as of January 1, 2018 and replaced IAS 39 regarding the classificati&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;on and measurement of financial assets and liabilities, the impairment of financial assets and hedge accounting.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The disclosures related to the financial years 2017 and 2016 are based on the accounting policies and valuation criteria applicable under IAS 3&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;9.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Classification and measurement of financial assets under IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Classification of financial assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 contains three main categories for financial assets classification: measured at amortized cost, measured at fair value with changes through other &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;comprehensive income, and measured at fair value through profit or loss.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The classification of financial assets measured at amortized cost or fair value must be carried out on the basis of two tests: the entity&amp;#39;s business model and the assessment of the co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ntractual cash flow, commonly known as the &amp;quot;solely payments of principle and interest&amp;quot; criterion (hereinafter, the SPPI).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;A debt instrument will be classified in the amortized cost portfolio if &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the two following conditions are fulfilled:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;financial asse&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;t is managed within a business model whose purpose is to maintain the financial assets to receive contractual cash flows; and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In accordance&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; with the contractual characteristics of the instrument its cash flows only represent the return of the principal and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; interest, basically understood as consideration for the time value of money and the debtor&amp;#39;s credit risk.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A debt instrument will be classified in the portfolio of financial assets at fair value with changes through other comprehensive income if the two fo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;llowing conditions are fulfilled:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The financial asset is managed with a business model whose purpose combines collection of the contractual cash flows and sale of the assets, and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The contractual characteristics of the instrument generate, at specific dates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, cash flows which only represent the return of the principal and interest.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A debt instrument will be classified at fair value with changes in profit and loss provided that the entity&amp;#39;s business model for their management or the contractual characteristics&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of its cash flows do not require classification into one of the portfolios described above.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In general, equity instruments will be measured at fair value through profit or loss. However the Group may make an irrevocable election at initial recognition to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;present subsequent changes in the fair value through other comprehensive income.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Financial assets will only be reclassified when BBVA Group decides to change the business model. In this case, all of the financial assets assigned to this business model will&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; be reclassified. The change of the objective of the business model should occur before the date of the reclassification.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Valuation of financial assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All financial instruments are initially recognized at fair value plus, in the case of a financial asset &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;not at fair value through profit or loss, transaction costs that are directly attributable to the acquisition or issue of the instrument.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Excluding all trading derivatives not considered as accounting or economic hedges, all the changes in the fair value &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the financial instruments arising from the accrual of interest and similar items are recognized under the headings &amp;#8220;Interest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221;, as appropriate, in the accompanying consolidated income statement in the period in whic&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;h the change occurred (see Note 37). The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as described below, according to the categories of financial assets.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;&amp;#8220;Financial as&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt;sets held for trading&amp;#8221;, &amp;#8220;Non-trading financial assets mandatorily at fair value through profit and loss&amp;#8221; and &amp;#8220;Financial assets designated at fair value through profit or loss&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Financial assets are recorded under the heading &amp;#8220;Financial assets held for tradi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ng&amp;#8221; if the objective of the business model is to generate gains by buying and selling these financial instruments or generate short-term results. The financial assets recorded in the heading &amp;#8220;Non-trading financial assets mandatorily at fair value through p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rofit and loss&amp;#8221; are assigned to a business model which objective is to obtain the contractual cash flows and / or to sell those instruments but its contractual cash flows do not comply with the requirements of the SPPI test. In &amp;#8220;Financial assets designated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; at fair value through profit or loss&amp;#8221; the Group classifies financial assets only if it eliminates or significantly reduces a measurement or recognition inconsistency (an &amp;#8216;accounting mismatch&amp;#8217;) that would otherwise arise from measuring financial assets or &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;financial liabilities, or recognizing gains or losses on them, on different bases. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The assets recognized under these headings of the consolidated balance sheets are measured upon acquisition at fair value and changes in the fair value (gains or losses) ar&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e recognized as their net value under the heading &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; in the accompanying consolidated income statements (see Note 41). Interests from derivatives designated as economic hedges on interest rate are reco&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;gnized in &amp;#8220;Interest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221; (see Note 37), depending on the result of the hedging instrument. However, changes in fair value resulting from variations in foreign exchange rates are recognized under the heading &amp;#8220;Gains (losses&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;) on financial assets and liabilities, net&amp;#8221; in the accompanying consolidated income statements (Note 41).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;&amp;#8221;Financial assets at fair value through other comprehensive income&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Debt instruments&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Assets recognized under this heading in the consolidated balance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;sheets are measured at their fair value. Subsequent changes in fair value (gains or losses) are recognized temporarily net of tax effect, under the heading &amp;#8220;Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Fair val&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ue changes of debt instruments measured at fair value through other comprehensive income&amp;#8221; in the consolidated balance sheets (see Note 30).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The amounts recognized under the headings &amp;#8220;Accumulated other comprehensive income- Items that may be reclassified to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; profit or loss - Fair value changes of financial assets measured at fair value through other comprehensive income&amp;#8221; and &amp;#8220;Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Exchange differences&amp;#8221; continue to form part &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;of the Group&amp;#39;s consolidated equity until the corresponding asset is derecognized from the consolidated balance sheet or until an impairment loss is recognized on the corresponding financial instrument. If these assets are sold, these amounts are derecogniz&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ed and included under the headings &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; or &amp;#8220;Exchange differences, net&amp;quot;, as appropriate, in the consolidated income statement for the year in which they are derecognized (see Note 41).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The net impairment &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;losses in &amp;#8220;Financial assets at fair value through other comprehensive income&amp;#8221; over the year are recognized under the heading &amp;#8220;Impairment losses on financial assets, net &amp;#8211; Financial assets at fair value through other comprehensive income&amp;#8221; (see Note 47) in t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he consolidated income statements for that period.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Changes in foreign exchange rates which affect monetary items are recognized under the heading &amp;#8220;Exchange differences, net&amp;quot; in the accompanying consolidated income statements (see Note 41).&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Equity instrumen&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ts&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The BBVA Group, at the time of the initial recognition, may elect to present changes in the fair value in other comprehensive income of an investment in an equity instrument that is not held for trading. The election is irrevocable and can be made on an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; instrument-by-instrument basis. Subsequent changes in fair value (gains or losses) are recognized, under the heading &amp;#8220;Accumulated other comprehensive income (loss) &amp;#8211; Items that will not be reclassified to profit or loss &amp;#8211; Fair value changes of equity inst&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ruments measured at fair value through other comprehensive income&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;&amp;#8220;Financial assets at amortized cost&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;A financial asset is classified as subsequently measured at amortized cost if it is held within a business model whose objective is to hold financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;assets in order to collect and it meets the SPPI Criterion.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The assets under this category are subsequently measured at amortized cost, using the effective interest rate method.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Net impairment losses of assets recorded under these headings arising in each &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;period are recognized under the heading &amp;#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss &amp;#8211; financial assets measured at cost&amp;#8221; (see Note 47) in the consolidated income statement for that period.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Classification and measurement of financial liabilities under IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Classification of financial liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Under IFRS 9, financial liabilities are classified in the following categories:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial liabilities at amortized cost;&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial liabilities that&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; are held for trading including derivatives are financial instruments which are recorded in this category when the Group&amp;#8217;s objective is to generate gains by buying and selling these financial instruments;&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial liabilities that are designated at fair v&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;alue through profit or loss on initial recognition under the Fair Value Option. The Group has the option to designate irrevocably on initial recognition a financial liability as at fair value through profit or loss provided that doing so results in the eli&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;mination or significant reduction of measurement or recognition inconsistency, or if a group of financial liabilities, or a group of financial assets and financial liabilities, has to be managed, and its performance evaluated, on a fair value basis in acco&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rdance with a documented risk management or investment strategy.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Valuation of financial liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All financial instruments are initially recognized at fair value plus, in the case of a financial liability not at fair value through profit or loss, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;transaction costs that are directly attributable to the acquisition or issue of the financial liability. Unless there is evidence to the contrary, the best evidence of the fair value of a financial instrument at initial recognition shall be the transaction&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; price.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Excluding all trading derivatives not considered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings &amp;#8220;Interest and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221;, as appropriate, in the accompanying consolidated income statement in the period in which the change occurred (see Note 37).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes in fair value after the initial recognition, for reasons other than those mentione&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d in the preceding paragraph, are treated as described below, according to the categories of financial liabilities.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;&amp;#8220;Financial liabilities held for trading&amp;#8221; and &amp;#8220;Financial liabilities designated at fair value through profit or loss&amp;#8220;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The subsequent changes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in the fair value (gains or losses) of the liabilities recognized under these headings of the consolidated balance sheets are recognized as their net value under the heading &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; in the accompanying con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;solidated income statements (see Note 41), except for the financial liabilities designated at fair value through profit and loss under the fair value option for which the amount of change in the fair value that is attributable to changes in the own credit &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;risk which is presented in under the heading &amp;#8220;Accumulated other comprehensive income (loss) &amp;#8211; Items that will not be reclassified to profit or loss &amp;#8211; Fair value changes of financial liabilities at fair value through profit or loss attributable to changes i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n their &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;credit risk&amp;#8221;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. Interests from derivatives designated as economic hedges on interest rate are recognized in &amp;#8220;Interest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221; (Note 37), depending on the result of the hedging instrument. However, changes in fair value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; resulting from variations in foreign exchange rates are recognized under the heading &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; in the accompanying consolidated income statements (Note 41).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;&amp;#8220;Financial liabilities at amortized cost&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The liab&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ilities under this category are subsequently measured at amortized cost, using the effective interest rate method.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Measurement of financial assets and liabilities under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Measurement of financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt;instruments and recognition of changes in subsequent fair value&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;All financial instruments are initially accounted for at fair value plus, in the case of a financial asset or financial liability not at fair value through profit or loss, transaction costs th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;at are directly attributable to the acquisition or issue of the financial asset or financial liability. Unless there is evidence to the contrary, the best evidence of the fair value of a financial instrument at initial recognition shall be the transaction &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;price.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Excluding all trading derivatives not considered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings &amp;#8220;Interest and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221;, as appropriate, in the accompanying consolidated income statement the year in which the change occurred (see Note 37). The dividends received from other entities, other than associated entities and joint venture entitie&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;s, are recognized under the heading &amp;#8220;Dividend income&amp;#8221; in the accompanying consolidated income statement in the year in which the right to receive them arises (see Note 38).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes in fair value after the initial recognition, for reasons other than &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;those mentioned in the preceding&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;paragraph, are treated as described below, according to the categories of financial assets and liabilities.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Financial assets and liabilities held for trading&amp;#8221; and &amp;#8220;Financial assets and liabilities designated at fair value &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;through profit or loss&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The assets and liabilities recognized under these headings of the consolidated balance sheets are measured upon acquisition at fair value and changes in the fair value (gains or losses) are recognized as their net value under the he&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ading &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; in the accompanying consolidated income statements (see Note 41). Interests from derivatives designated as economic or accounting hedges on interest rate are recognized under the heading &amp;#8220;Inte&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221; (Note 37), depending on the result of the hedging instrument&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#FF0000;' &gt;. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Changes in fair value resulting from variations in foreign exchange rates are recognized under the heading &amp;#8220;Gains (losses) on financial assets and li&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;abilities, net&amp;#8221; in the accompanying consolidated income statements (Note 41).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Financial assets at fair value through other comprehensive income&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assets recognized under this heading in the consolidated balance sheets are measured at their fair value. Sub&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sequent changes in fair value (gains or losses) are recognized temporarily net of tax effect, under the heading &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Financial assets at fair value through other compre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hensive income&amp;#8221; in the consolidated balance sheets (see Note 30).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amounts recognized under the headings &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Financial assets at fair value through other comprehens&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ive income&amp;#8221; and &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Exchange differences&amp;#8221; continue to form part of the Group&amp;#39;s consolidated equity until the corresponding asset is derecognized from the consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;balance sheet or until an impairment loss is recognized on the corresponding financial instrument. If these assets are sold, these amounts are derecognized and included under the headings &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; or &amp;#8220;Exchan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ge differences, net&amp;quot;, as appropriate, in the consolidated income statement for the year in which they are derecognized (see Note 41).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The net impairment losses in &amp;#8220;Financial assets at fair value through other comprehensive income&amp;#8221; over the year are recogni&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;zed under the heading &amp;#8220;Impairment losses on financial assets, net &amp;#8211; Other financial instruments not at fair value through profit or loss&amp;#8221; (see Note 47) in the consolidated income statements for that year.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Changes in the value of non-monetary items resultin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;g from changes in foreign exchange rates are recognized temporarily under the heading &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Exchange differences&amp;#8221; in the accompanying consolidated balance sheets. Change&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s in foreign exchange rates which affect monetary items are recognized under the heading &amp;#8220;Exchange differences, net&amp;quot; in the accompanying consolidated income statements (see Note 41).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Financial assets and liabilities at amortized cost&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assets and liabiliti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es recognized under these headings in the accompanying consolidated balance sheets are subsequently measured at &amp;#8220;amortized cost&amp;#8221; using the &amp;#8220;effective interest rate&amp;#8221; method. This is because the consolidated entities generally intend to hold such financial i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nstruments to maturity.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Net impairment losses of assets recognized under these headings arising in each year are recognized under the heading &amp;#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss &amp;#8211; fina&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ncial assets measured at cost&amp;#8221; (see Note 47) in the consolidated income statement for that year.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Derivatives-Hedge Accounting&amp;#8221; and &amp;#8220;Fair value changes of the hedged items in portfolio hedges of interest-rate risk&amp;#8221; applicable in the financial years 2018, 2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#094FA4;' &gt;017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assets and liabilities recognized under these headings in the accompanying consolidated balance sheets are measured at fair&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#7F7F7F;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;value.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Changes occurring subsequent to the designation of the hedging relationship in the measurement of financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;instruments designated as hedged items as well as financial instruments designated as hedge accounting instruments are recognized as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In fair value hedges, the changes in the fair value of the derivative and the hedged item attributable to the hedg&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ed risk are recognized under the heading &amp;#8220;Gains or losses from hedge accounting, net&amp;#8221; in the consolidated income statement, with a corresponding offset under the headings where hedging items (&amp;quot;Hedging derivatives&amp;quot;) and the hedged items are recognized, as a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;pplicable. Almost all of the hedges used by the Group are for interest-rate risks. Therefore, the valuation changes are recognized under the headings &amp;#8220;Interest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221;, as appropriate, in the accompanying consolidated income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; statement (see Note 37).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In fair value hedges of interest rate risk of a portfolio of financial instruments (portfolio-hedges), the gains or losses that arise in the measurement of the hedging instrument are recognized in the consolidated income &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;statement, and the gains or losses that arise from the change in the fair value of the hedged item (attributable to the hedged risk) are also recognized in the consolidated income statement (in both cases under the heading &amp;#8220;Gains or losses from hedge accou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;nting, net&amp;#8221;, using, as a balancing item, the headings &amp;quot;Fair value changes of the hedged items in portfolio hedges of interest rate risk&amp;quot; in the consolidated balance sheets, as applicable).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In cash flow hedges, the gain or loss on the hedging instruments re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;lating to the effective portion are recognized temporarily under the heading   &amp;#8221;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Hedging derivatives. Cash flow hedges&amp;#8221; in the consolidated balance sheets, with a ba&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;lancing entry under the heading &amp;#8220;Hedging derivatives&amp;#8221; of the Assets or Liabilities of the consolidated balance sheets as applicable. These differences are recognized in the accompanying consolidated income statement under the headings &amp;#8220;Interest and other i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ncome&amp;#8221; or &amp;#8220;Interest expense&amp;#8221; at the time when the gain or loss in the hedged instrument affects profit or loss, when the forecast transaction is executed or at the maturity date of the hedged item (see Note 37). &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Differences in the measurement of the hedgi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ng items corresponding to the ineffective portions of cash flow hedges are recognized directly in the heading &amp;#8220;Gains or losses from hedge accounting, net&amp;#8221; in the consolidated income statem&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ent (see Note 41).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In the hedges of net investments in foreign opera&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tions, the differences attributable to the effective portions of hedging items are recognized temporarily under the heading &amp;quot;Accumulated other comprehensive income - Items that may be reclassified to profit or loss &amp;#8211; Hedging of net investments in foreign t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ransactions&amp;quot; in the consolidated balance sheets with a balancing entry under the heading &amp;#8220;Hedging derivatives&amp;#8221; of the Assets or Liabilities of the consolidated balance sheets as applicable. These differences in valuation are recognized under the heading &amp;#8220;E&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;xchange differences, net&amp;quot; in the consolidated income statement when the investment in a foreign operation is disposed of or derecognized (see Note 41).&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Other financial instruments under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;exceptions are applicable with respect to the above general criteria:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Equity instruments whose fair value cannot be determined in a sufficiently objective manner and financial derivatives that have those instruments as their underlying asset and are settle&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;d by delivery of those instruments are recorded in the consolidated balance sheet at acquisition cost; this may be adjusted, where appropriate, for any impairment loss (see Note 8).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Accumulated other comprehensive income arising from financial instruments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;classified at the consolidated balance sheet date as &amp;#8220;Non-current assets and disposal groups classified as held for sale&amp;#8221; are recognized with the corresponding entry under the heading &amp;#8220;Accumulated other comprehensive income- Items that may be reclassified &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;to profit or loss &amp;#8211; Non-current assets and disposal groups classified as held for sale&amp;#8221; in the accompanying consolidated balance sheets (see note 30).&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Impairment losses on financial assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Definition of impaired financial assets under IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;replaced the &amp;quot;incurred loss&amp;quot; model in IAS 39 with one of &amp;quot;expected credit loss&amp;quot;. The IFRS 9 impairment model is applied to financial assets valued at amortized cost and to financial assets valued at fair value with changes in accumulated other comprehensiv&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e income, except for investments in equity instruments and contracts for financial guarantees and loan commitments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;unilaterally revocable by BBVA. Likewise, all the financial instruments valued at fair value with change through profit and loss are excluded&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; from the impairment model&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The new standard classifies financial instruments into three categories, which depend on the evolution of their credit risk from the moment of initial recognition. The first category includes the transactions when they are initi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ally recognized (Stage 1); the second comprises the financial assets for which a significant increase in credit risk has been identified since its initial recognition (Stage 2) and the third one, the impaired financial assets (Stage 3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The calculation of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the provisions for credit risk in each of these three categories must be done differently. In this way, expected loss up to 12 months for the financial assets classified in the first of the aforementioned categories must be recorded, while expected losses &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;estimated for the remaining life of the financial assets classified in the other two categories must be recorded. Thus, IFRS 9 differentiates between the following concepts of expected loss: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Expected loss at 12 months: expected credit loss that arises fro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;m possible default events within 12 months following the presentation date of the financial statements; and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Expected loss during the life of the transaction: this is the expected credit loss that arises from all possible default events over the remaining l&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ife of the financial instrument.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All this requires considerable judgment, both in the modeling for the estimation of the expected losses and in the forecasts, on how the economic factors affect such losses, which must be carried out on a weighted probabili&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ty basis. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group has applied the following definitions in accordance with IFRS 9:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Default&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA has applied a definition of default for financial instruments that is consistent with that used in internal credit risk management, as well as the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;indicators under applicable regulation at the date of implementation of IFRS 9. Both qualitative and quantitative indicators have been considered.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group has considered there is a default when one of the following situations occurs: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Payment &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;past-due fo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;r more than 90 days; or&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;There are r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;easonable doubts regarding the full reimbursement of the instrument.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with IFRS 9, the 90-day past-due stipulation may be waived in cases where the entity considers it appropriate, based on reasonable and doc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;umented information that it is appropriate to use a longer term. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;As of December 31, 2018, the Group has not considered periods higher than 90 days for any of the significant portfolios. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Credit impaired asset&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;An asset is credit-impaired according to IFRS 9&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset. Evidence that a financial asset is credit-impaired includes observable data about the following events:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Significant &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;financial&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; difficult&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;y of the issuer or the borrower.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A breach &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;of contract (e.g. a default or past due event).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A lender having granted a concession to the borrower &amp;#8211; for economic or contractual reasons relating to the borrower&amp;#8217;s financial difficulty &amp;#8211; that the lender would not&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; otherwise consider.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;It becoming probable that the borrower will enter bankruptcy or other financial reorganization.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The disappearance of an active market for that financial asset because of financial difficulties.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The purchase or origination of a financia&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;l asset at a deep discount that reflects the incurred credit losses.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;It may not be possible to identify a single discrete event. Instead, the combined effect of several events may cause financial assets to become credit-impaired.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The definition of impaired&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; financial assets in the Group is aligned with the definition of default explained in the above paragraphs.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Significant increase in credit risk &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The objective of the impairment requirements is to recognize lifetime expected credit losses for financial inst&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ruments for which there have been significant increases in credit risk since initial recognition considering all reasonable and supportable information, including that which is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;forward-looking.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The model developed by the Group for assessing the significant&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; increase in credit risk has a two-prong approach that is applied globally, although the specific characteristics of each geographic area are respected:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Quantitative criterion: the Group uses a quantitative analysis based on comparing the current expected &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;probability of default over the life of the transaction with the original adjusted expected probability of default, so that both values are comparable in terms of expected default probability for their residual life. The thresholds used for considering a s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ignificant increase in risk take into account special cases according to geographic areas and portfolios. Depending on how old current transactions are at the time implementation of the standard, some simplifications were made to compare the probabilities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;of default between the current and the initial moment, based on the best information available at that moment.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Qualitative criterion: most indicators for detecting significant risk increase are included in the Group&amp;#39;s systems through rating/scoring systems&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; or macroeconomic scenarios, so the quantitative analysis covers the majority of circumstances. The Group will use additional qualitative criteria when&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; it considers it necessary to include circumstances that are not reflected in the rating/score systems or&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; macroeconomic scenarios used. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, instruments under one of the following circumstances are considered Stage 2:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;More than 30 days past due. According to IFRS 9, default of more than 30 days is a presumption that can &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;be rebutted in those cases in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; which the entity considers, based on reasonable and documented information, that such non-payment does not represent a significant increase in risk. As of December 31, 2018, the Group has not considered periods higher than 30 days for any of the significa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;nt portfolios.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Watch list: They are subject to special watch by the Risks units because they show negative signs in their credit quality, even though there may be no objective evidence of impairment.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Refinance or restructuring&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; that does not show evidence o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;f impairment.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Although the standard introduces a series of operational simplifications or practical solutions for analyzing the increase in significant risk, the Group does not use them as a general rule. However, for high-quality assets, mainly related t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;o certain government institutions and bodies, the standard allows for considering that their credit risk has not increased significantly because they have a low credit risk at the presentation date.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Thus the classification of financial instruments subject &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to impairment under the new IFRS 9 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Stage 1&amp;#8211; without significant increase in credit risk&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Financial assets which are not considered to have significantly increased in credit risk have loss allowances measured at an amount equal to 12 months ex&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;pected credit losses. &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Stage 2&amp;#8211; significant increases in credit risk&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the credit risk of a financial asset has increased significantly since the initial recognition, the impairment losses of that financial instrument is calculated as the expected &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;credit loss during the entire life of the asset.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Stage 3 &amp;#8211; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Impaired&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When there is objective evidence that the instrument is credit impaired, the financial asset is transferred to this category &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in which the provision for losses of that financial instrument &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;is calculated as the expected credit loss &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;during the entire life of the asset.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Definition of impaired financial assets under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A financial asset is considered impaired &amp;#8211; and therefore its carrying amount&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; is adjusted to reflect the effect of impairment &amp;#8211; when there is objective evidence that events have occurred, which:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In the case of debt instruments (loans and advances and debt securities), reduce the future cash flows that were estimated at the time the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; instruments were acquired. So they are considered impaired when there are reasonable doubts that the carrying amounts will be recovered in full and/or the related interest will be collected for the amounts and on the dates initially agreed.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In the case of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; equity instruments, it means that their carrying amount may not be fully recovered.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As a general rule, the carrying amount of impaired financial assets is adjusted with a charge to the consolidated income statement for the year in which the impairment bec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;omes known. The recoveries of previously recognized impairment losses are reflected, if appropriate, in the consolidated income statement for the year in which the impairment is reversed or reduced, with an exception: any recovery of previously recognized &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impairment losses for an investment in an equity instrument classified as financial assets at fair value through other comprehensive income is not recognized in the consolidated income statement, but under the heading &amp;quot; Accumulated other comprehensive inco&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;me - Items that may be reclassified to profit or loss - financial assets at fair value through other comprehensive income&amp;quot; in the consolidated balance sheet (see Note 30).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In general, amounts collected on impaired loans and receivables are used to recogniz&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e the related accrued interest and any excess amount is used to reduce the unpaid principal. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the recovery of any recognized amount is considered remote, such amount is written-off on the consolidated balance sheet, without prejudice to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; any actions that may be taken in order to collect the amount until the rights extinguish in full either because it is time-barred debt, the debt is forgiven, or other reasons.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Method for calculating expected credit loss under IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Method for calculatin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#004580;' &gt;g expected loss&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with IFRS 9, the measurement of expected losses must reflect:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A considered and unbiased amount, determined by evaluating a range of possible results.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The time value of money.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Reasonable and supportable information that is available without undue cost or effort and that reflects current conditions and forecasts of future economic conditions. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group measures the expected losses both individually and collectively. The purpose &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the Group&amp;#39;s individual measurement is to estimate expected losses for significant impaired instruments, or instruments classified in Stage 2. In these cases, the amount of credit losses is calculated as the difference between expected discounted cash fl&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ows at the effective interest rate of the transaction and the carrying amount of the instrument. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For the collective measurement of expected losses the instruments are grouped into groups of assets based on their risk characteristics. Exposure within each &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;group is segmented according to the common credit risk characteristics, similar characteristics of the credit risk, indicative of the payment capacity of the borrower in accordance with their contractual conditions. These risk characteristics have to be re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;levant in estimating the future flows of each group. The characteristics of credit risk may consider, among others, the following factors:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Type of instrument.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Rating or scoring tools.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Credit risk scoring or rating.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Type of collateral.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Amount of time at def&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ault for stage 3.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Segment.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Qualitative criteria which can have a significant increase in risk.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Collateral value if it has an impact on the probability of a default event.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The estimated losses are derived from the following parameters:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;PD: estimate of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;probability of default in each period.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;EAD: estimate of the exposure in case of default at each future period, taking into account the changes in exposure after the presentation date of the financial statements. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;LGD: estimate of the loss in case of defaul&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;t, calculated as the difference between the contractual cash flows and receivables, including guarantees. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of debt securities, the Group supervises the changes in credit risk through monitoring the external published credit ratings.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;To determin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e whether there is a significant increase in credit risk that is not reflected in the published ratings, the Group also revises the changes in bond yields, and when they are available, the prices of CDS, together with the news and regulatory information av&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ailable on the issuers.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Use of present, past and future information&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 requires incorporation of present, past and future information to detect any significant increase in risk and measure expected loss.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The standard does not require identification of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; all possible scenarios for measuring expected loss. However, the probability of a loss event occurring and the probability it will not occur have to be considered, even though the possibility of a loss may be very small. Also, when there is no linear rela&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tion between the different future economic scenarios and their associated expected losses, more than one future economic scenario must be used for the measurement. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The approach used by the Group consists of using first the most probable scenario (baseline&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; scenario) consistent with that used in the Group&amp;#39;s internal management processes, and then applying an additional adjustment, calculated by considering the weighted average of expected losses in other economic scenarios (one more positive and the other mo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;re negative). The main macroeconomic variables that are valued in each of the scenarios for each of the geographies in which the Group operates are Gross Domestic Product (GDP), tax rates, unemployment rate and loan to value (LTV).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Method for calculating t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#094FA4;' &gt;he impairment on financial assets under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The impairment on financial assets is determined by type of instrument and other circumstances that could affect it, taking into account the guarantees received &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to assure (in part or in full) the performance of the financial assets. The BBVA Group recognizes impairment charges directly against the impaired financial asset when the likelihood of recovery is deemed remote, and uses an offsetting or allowance account&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; when it recognizes non-performing loan provisions for the estimated losses.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Impairment of debt instruments measured at amortized cost&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With regard to impairment losses arising from insolvency risk of the obligors (credit risk), a debt instrument, mainly Lo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ans and receivables, is impaired due to insolvency when a deterioration in the ability to pay by the obligor is evidenced, either due to past due status or for other reasons.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group has developed policies, methods and procedures to estimate incurre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d losses on outstanding credit risk. These policies, methods and procedures are applied in the due diligence, approval and execution of debt instruments and commitments and guarantees given; as well as in identifying the impairment and, where appropriate, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in calculating the amounts necessary to cover estimated losses.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of impairment losses on debt instruments measured at amortized cost is calculated based on whether the impairment losses are determined individually or collectively. First it is det&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ermined whether there is objective evidence of impairment individually for individually significant debt instrument, and collectively for debt instrument that are not individually significant. If the Group determines that there is no objective evidence of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impairment, the assets are classified in groups of debt instrument based on similar risk characteristics and impairment is assessed collectively.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In determining whether there is objective evidence of impairment the Group uses observable data in the followi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng aspects:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Significant financial difficulties of the obligors.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Ongoing delays in the payment of interest or principal.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Refinancing of credit due to financial difficulties by the counterparty.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Bankruptcy or reorganization / liquidation are considered &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;likely.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Disappearance of the active market for a financial asset because of financial difficulties.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Observable data indicating a reduction in future cash flows from the initial recognition such as adverse changes in the payment status of the counterparty (&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;delays in payments, reaching credit cards limits, etc.).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;National or local economic conditions that are linked to &amp;quot;defaults&amp;quot; in the financial assets (unemployment rate, falling property prices, etc.).&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt; losses on financial assets individually evaluated for impairment&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of the impairment losses incurred on financial assets represents the excess of their respective carrying amounts over the present values of their expected future cash flows. These&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; cash flows are discounted using the original effective interest rate. If a financial asset has a variable interest rate, the discount rate for measuring any impairment loss is the current effective rate determined under the contract.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As an exception to th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e rule described above, the market value of listed debt instruments is deemed to be a fair estimate of the present value of their expected future cash flows.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following is to be taken into consideration when estimating the future cash flows of debt inst&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ruments:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;All amounts that are expected to be recovered over the remaining life of the debt instrument; including, where appropriate, those which may result from the collateral and other credit enhancements provided for the debt instrument (after deducting &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the costs required for foreclosure and subsequent sale). Impairment losses include an estimate for the possibility of collecting accrued, past-due and uncollected interest.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The various types of risk to which each debt instrument is subject.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The circumstanc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;es in which collections will foreseeably be made.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment losses on financial assets collectively evaluated for impairment&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With regard to the collective impairment analysis, financial assets are grouped by risk type considering the debtor&amp;#39;s capacity to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;pay based on the contractual terms. As part of this analysis, the BBVA Group estimates the impairment loan losses that are not individually significant, distinguishing between those that show objective evidence of impairment, and those that do not show obj&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ective evidence of impairment, as well as the impairment of significant loans that the BBVA Group has deemed as not showing an objective evidence of impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With respect to financial assets that have no objective evidence of impairment, the Group appli&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es statistical methods using historical experience and other specific information to estimate the losses that the Group has incurred as a result of events that have occurred as of the date of preparation of the Consolidated Financial Statements but have no&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t been known and will be apparent, individually after the date of submission of the information. This calculation is an intermediate step until these losses are identified on an individual level, at which time these financial instruments will be segregated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; from the portfolio of financial assets without objective evidence of impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The incurred loss is calculated taking into account three key factors: exposure at default, probability of default and loss given default.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Exposure at default (EAD) is the am&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ount of risk exposure at the date of default by the counterparty.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Probability of default (PD) is the probability of the counterparty failing to meet its principal and/or interest payment obligations. The PD is associated with the rating/scoring of each cou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;nterparty/transaction. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Loss given default (LGD) is the estimate of the loss arising in the event of default. It depends mainly on the characteristics of the counterparty, and the valuation of the guarantees or collateral associated with the asset.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In orde&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;r to calculate the LGD at each balance sheet date, the Group evaluates the whole amount expected to be obtained over the remaining life of the financial asset. The recoverable amount from executable secured &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;collateral is estimated based on the property val&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;uation, discounting the necessary adjustments to adequately account for the potential fall in value until its execution and sale, as well as execution costs, maintenance costs and sale costs.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, to identify the possible incurred but not reported &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;losses (IBNR) in the unimpaired portfolio, an additional parameter called &amp;quot;LIP&amp;quot; (loss identification period) has to be introduced. The LIP parameter is the period between the time at which the event that generates a given loss occurs and the time when the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;loss is identified at an individual level. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the property right is contractually acquired at the end of the foreclosure process or when the assets of distressed borrowers are purchased, the asset is recognized in the consolidated balance sheets (see No&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;te 2.2.4).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment of other debt instruments classified as financial assets available for sale&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The impairment losses on other debt instruments included in the &amp;#8220;Available-for-sale financial asset&amp;#8221; portfolio are equal to the excess of their acquisition co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;st (net of any principal repayment), after deducting any impairment loss previously recognized in the consolidated income statement over their fair value.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When there is objective evidence that the negative differences arising on measurement of these debt i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nstruments are due to impairment, they are no longer considered as &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - financial assets at fair value through other comprehensive income&amp;#8221; and are recognized in the con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;solidated income statement. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If all, or part of the impairment losses are subsequently recovered, the amount is recognized in the consolidated income statement for the year in which the recovery occurred, up to the amount previously recognized in the incom&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e statement.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment of equity instruments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of the impairment in the equity instruments is determined by the category where they are recognized:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;color:#000000;' &gt;Equity instruments classified at available for sale at fair value:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;When there is objective &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;evidence that the negative differences arising on measurement of these equity instruments are due to impairment, they are no longer recorded as &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Financial assets av&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ailable for sale&amp;#8221; and are recognized in the consolidated income statement. In general, the Group considers that there is objective evidence of impairment on equity instruments classified as available-for-sale when significant unrealized losses have existed&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; over a sustained period of time due to a price reduction of at least 40% or over a period of more than 18 months. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;When applying this evidence of impairment, the Group takes into account the volatility in the price of each individual equity instrument to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;determine whether it is a percentage that can be recovered through its sale in the market; other different thresholds may exist for certain equity instruments or specific sectors. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;In addition, for individually significant investments, the Group compares t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he valuation of the most significant equity instruments against valuations performed by independent experts.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Any recovery of previously recognized impairment losses for an investment in an equity instrument classified at fair value through other comprehens&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ive income is not recognized in the consolidated income statement, but under the heading &amp;quot; Accumulated other comprehensive income - Items that may be reclassified to profit or loss - financial assets available for sale&amp;quot; in the consolidated balance sheet (s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ee Note 30).&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;color:#000000;' &gt;Equity instruments measured at cost:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The impairment losses on equity instruments measured at acquisition cost are equal to the excess of their carrying amount over the present value of expected future cash flows discounted at the market rate o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;f return for similar equity instruments. In order to determine these impairment losses, unless there is better evidence, an assessment of the equity of the investee is carried out (excluding Accumulated other comprehensive &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;income due to cash flow hedges) b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ased on the last approved (consolidated) balance sheet, adjusted by the unrealized gains at measurement date.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Impairment losses are recognized in the consolidated income statement in the year in which they arise as a direct reduction of the cost of the ins&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;trument. These impairment losses may only be recovered subsequently in the event of the sale of these assets.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.2   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Transfers and derecognition of financial assets and liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The accounting treatment of transfers of financial assets is determined b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;y the form in which risks and benefits associated with the financial assets involved are transferred to third parties. Thus the financial assets are only derecognized from the consolidated balance sheet when the cash flows that they generate are extinguish&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed, when their implicit risks and benefits have been substantially transferred to third parties or when the control of financial asset is transferred even in case of no physical transfer or substantial retention of such assets. In the latter case, the fina&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ncial asset transferred is derecognized from the consolidated balance sheet, and any right or obligation retained or created as a result of the transfer is simultaneously recognized.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Similarly, financial liabilities are derecognized from the consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;balance sheet only if their obligations are extinguished or acquired (with a view to subsequent cancellation or renewed placement).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group is considered to have transferred substantially all the risks and benefits if such risks and benefits account for &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the majority of the risks and benefits involved in ownership of the transferred financial assets. If substantially all the risks and benefits associated with the transferred financial asset are retained:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The transferred financial asset is not derecognized &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;from the consolidated balance sheet and continues to be measured using the same criteria as those used before the transfer.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A financial liability is recognized at the amount equal to the amount received, which is subsequently measured at amortized cost or &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;fair value with changes in the income statement, whichever the case.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Both the income generated on the transferred (but not derecognized) financial asset and the expenses of the new financial liability continue to be recognized.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.3   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Financial guarantees&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Financial guarantees are considered to be those contracts that require their issuer to make specific payments to reimburse the holder of the financial guarantee for a loss incurred when a specific borrower breaches its payment obligations on the terms &amp;#8211; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;whether original or subsequently modified &amp;#8211; of a debt instrument, irrespective of the legal form it may take. Financial guarantees may take the form of a deposit, bank guarantee, insurance contract or credit derivative, among others.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In their initial recog&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nition, financial guarantees are recognized as liabilities in the consolidated balance sheet at fair value, which is generally the present value of the fees, commissions and interest receivable from these contracts over the term thereof, and the Group simu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ltaneously recognize a corresponding asset in the consolidated balance sheet for the amount of the fees and commissions received at the inception of the transactions and the amounts receivable at the present value of the fees, commissions and interest outs&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tanding.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Financial guarantees, irrespective of the guarantor, instrumentation or other circumstances, are reviewed periodically so as to determine the credit risk to which they are exposed and, if appropriate, to consider whether a provision is required f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;or them. The credit risk is determined by application of criteria similar to those established for quantifying impairment losses on debt instruments measured at amortized cost (see Note 2.2.1).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The provisions recognized for financial guarantees considered &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impaired are recognized under the heading &amp;#8220;Provisions - Provisions for contingent risks and commitments&amp;#8221; on the liability side in the consolidated balance sheets (see Note 24). These provisions are recognized and reversed with a charge or credit, respectiv&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ely; to &amp;#8220;Provisions or reversal of provision&amp;#8221; in the consolidated income statements (see Note 46).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Income from financial guarantees is recorded under the heading &amp;#8220;Fee and commission income&amp;#8221; in the consolidated income statement and is calculated by applying&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the rate established in the related contract to the nominal amount of the guarantee (see Note 40).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.4   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Non-current assets and disposal groups held for sale and liabilities included in disposal groups classified as held for sale &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;and Liabilities include&lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;d in disposal groups classified as held for sale&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The headings &amp;#8220;Non-current assets and disposal groups held for sale&amp;#8221; and &amp;#8220;Liabilities included in disposal groups classified as held for sale&amp;#8221; in the consolidated balance sheets includes the carrying amount o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f assets that are not part of the BBVA Group&amp;#8217;s operating activities. The recovery of this carrying amount is expected to take place through the price obtained on its disposal (see Note 21).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These headings include individual items and groups of items (&amp;#8220;disp&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;osal groups&amp;#8221;) and disposal groups that form part of a major operating segment and are being held for sale as part of a disposal plan (&amp;#8220;discontinued operations&amp;#8221;). The heading &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8220;Non-current assets and disposal groups held for sale&amp;#8221;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; include the assets received&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; by the subsidiaries from their debtors, in full or partial settlement of the debtors&amp;#8217; payment obligations (assets foreclosed or received in payment of debt and recovery of lease finance transactions), unless the Group has decided to make continued use of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;these assets. The BBVA Group has units that specialize in real estate management and the sale of this type of asset.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Symmetrically, the heading &amp;#8220;Liabilities included in disposal groups classified as held for sale&amp;#8221; in the consolidated balance sheets reflect&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s the balances payable arising from disposal grou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ps and discontinued operations.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Non-current assets and disposal groups classified as held for sale are generally measured, at the acquisition date and at any later date deemed necessary, at either their carr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ying amount or the fair value of the property (less costs to sell), whichever is lower.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of real estate assets foreclosed or received in payment of debts, they are initially recognized at the lower of: the restated carrying amount of the financi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;al asset and the fair value at the time of the foreclosure or receipt of the asset less estimated sales costs. The carrying amount of the financial asset is updated at the time of the foreclosure, treating the real property received as a secured collateral&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and taking into account the credit risk coverage that would correspond to it according to its classification prior to the delivery. For these purposes, the collateral will be valued at its current fair value (less sale costs) at the time of foreclosure. T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;his carrying amount will be compared with the previous carrying amount and the difference will be recognized as a provision increase, if applicable. On the other hand, the fair value of the foreclosed asset is obtained by appraisal, evaluating the need to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;apply a discount on the asset derived from the specific conditions of the asset or the market situation for these assets, and in any case, deducting the company&amp;#8217;s estimated sale costs.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;At the time of the initial recognition, these real estate assets &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;foreclosed or received in payment of debts, classified as &amp;#8220;Non-current assets and disposal groups held for sale&amp;#8221; and &amp;#8220;Liabilities included in disposal groups classified as held for sale&amp;#8221; are valued at the lower of: their restated fair value less estimated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sale costs and their carrying amount; a deterioration or impairment reversal can be recognized for the difference if applicable.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Non-current assets and disposal groups held for sale groups classified as held for sale are not depreciated while included unde&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;r the heading &amp;#8220;Non-current assets and disposal groups held for sale&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Fair value of non-current assets held for sale from foreclosures or recoveries is based, mainly, in appraisals or valuations made by independent experts&amp;#160;on an annual basis or more freque&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ntly, should there be indicators of impairment. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Gains and losses generated on the disposal of assets and liabilities classified as non-current held for sale, and liabilities included in disposal groups classified as held for sale as well as impairment los&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ses and, where pertinent, the related recoveries, are recognized in &amp;#8220;Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&amp;#8221; in the consolidated income statement (see Note 50). The r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;emaining income and expense items associated with these assets and liabilities are classified within the relevant consolidated income statement headings.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Income and expenses for discontinued &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;operations, whatever their nature, generated during the year, even if they have occurred before their classification as discontinued operations, are presented net of the tax effect as a single amount under the heading &amp;#8220;Profit from discontinued operations&amp;#8221; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in the consolidated income statement, whether the business remains on the consolidated balance sheet or is derecognized from the consolidated balance sheet. As long as an asset remains in this category, it will not be amortized. This heading includes the e&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;arnings from their sale or other disposal.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.5   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Tangible assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Property, plant and equipment for own use&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This heading includes the assets under ownership or acquired under finance lease, intended for future or current use by the BBVA Group and that it &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;expects to hold for more than one year. It also includes tangible assets received by the consolidated entities in full or partial settlement of financial assets representing receivables from third parties and those assets expected to be held for continuing&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; use.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Property, plant and equipment for own use are presented in the consolidated balance sheets at acquisition cost, less any accumulated depreciation and, where appropriate, any estimated impairment losses resulting from comparing this net carrying amoun&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t of each item with its corresponding recoverable amount (see Note 17).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Depreciation is calculated using the straight-line method, on the basis of the acquisition cost of the assets less their residual value; the land is considered to have an indefinite li&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;fe and is therefore not depreciated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The tangible asset depreciation charges are recognized in the accompanying consolidated income statements under the heading &amp;quot;Depreciation and Amortization&amp;quot; (see Note 45) and are based on the application of the following&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; depreciation rates (determined on the basis of the average years of estimated usef&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ul life of the various assets):&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Depreciation Rates for Tangible Assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:432,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Type of Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Annual Percentage&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Buildings for own use&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1% - 4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Furniture&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8% - 10%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fixtures&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6% - 12%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Office supplies and hardware&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8% - 25%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;At each reporting date, the Group entities analyze whether there are internal or external indicators that a tangible&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; asset may be impaired. When there is evidence of impairment, the Group analyzes whether this impairment actually exists by comparing the asset&amp;#8217;s net carrying amount with its recoverable amount (as the higher between its recoverable amount less disposal co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sts and its value in use). When the carrying amount &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;exceeds the recoverable amount, the carrying amount is written down to the recoverable amount and depreciation charges going forward are adjusted to reflect the asset&amp;#8217;s remaining useful life.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Similarly, i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f there is any indication that the value of a tangible asset is now recoverable, the consolidated entities will estimate the recoverable amounts of the asset and recognize it in the consolidated income statement, recording the reversal of the impairment lo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ss recognized in previous years and thus adjusting future depreciation charges. Under no circumstances may the reversal of an impairment loss on an asset raise its carrying amount above that which it would have if no impairment losses had been recognized i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n prior years.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the BBVA Group, most of the buildings held for own use are assigned to the different Cash-Generating-Units (CGU) to which they belong. The corresponding impairment analysis are performed for these CGUs to check whether sufficient cash flo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ws are generated to support the value of the assets comprised within.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Running and maintenance expenses relating to tangible assets held for own use are recognized as an expense in the year they are incurred and recognized in the consolidated income stateme&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nts under the heading &amp;quot;Administration costs - Other administrative expenses - Property, fixtures and equipment&amp;quot; (see Note 44.2).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Other assets leased out under an operating lease&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The criteria used to recognize the acquisition cost of assets leased out under operating leases, to calculate their depreciation and their respective estimated useful lives and to recognize the impairment losses on them, are the same as those described in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;relation to tangible assets for own use.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Investment properties&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Tangible assets - Investment properties&amp;#8221; in the consolidated balance sheets reflects the net values (purchase cost minus the corresponding accumulated depreciation and, if appropri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ate, estimated impairment losses) of the land, buildings and other structures that are held either to earn rentals or for capital appreciation through sale and that are neither expected to be sold off in the ordinary course of business nor are destined for&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; own use (see Note 17).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The criteria used to recognize the acquisition cost of investment properties, calculate their depreciation and their respective estimated useful lives and recognize the impairment losses on them, are the same as those described in r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;elation to tangible assets held for own use.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group determines periodically the fair value of its investment properties in such a way that, at the end of the financial year, the fair value reflects the market conditions of investment property asset&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s&amp;#8217; market at this date. This fair value will be determined taking as references the valuations performed by independent experts.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.6   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Inventories&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The balance under the heading &amp;#8220;Other assets - Inventories&amp;#8221; in the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; consolidated balance sheets mainly includes the land and other properties that the BBVA Group&amp;#8217;s real estate entities hold for development and sale as part of their real estate development activities (see Note 20).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The cost of inventories includes those co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sts incurred in their acquisition and development, as well as other direct and indirect costs incurred in getting them to their current condition and location.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of the cost of real estate assets accounted for as inventories, the cost is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;comprised of: the acquisition cost of the land, the cost of urban planning and construction, non-recoverable taxes and costs corresponding to construction supervision, coordination and management. Financing cost incurred during the year form part of cost, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;provided that the inventories require more than a year to be in a condition to be sold.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Properties purchased from customers in distress, which the Group manages for sale, are measured at the acquisition date and any subsequent time, at either their related&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; carrying amount or the fair value of the property (less costs to sell), whichever is lower. The carrying amount at acquisition date of these properties is defined as the balance pending collection on those assets that originated said purchases (net of pro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;visions).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Impairment&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of any subsequent adjustment due to inventory valuation for reasons such as damage, obsolescence, reduction in sale price to its net realizable value, as well as losses for other reasons and, if appropriate, subsequent recov&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;eries of value up to the limit of the initial cost value, are recognized under the heading &amp;quot;Impairment or reversal of impairment on non-financial assets&amp;#8221; in the accompanying consolidated income statements (see Note 48) for the year in which they are incurr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of the above mentioned real-estate assets, if the fair value less costs to sell is lower than the carrying amount of the loan recognized in the consolidated balance sheet, a loss is recognized under the heading &amp;quot;Impairment or reversal of im&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;pairment on non-financial assets&amp;quot; in the consolidated income statement for the year. In the case of real-estate assets accounted for as inventories, the BBVA Group&amp;#8217;s criterion for determining their net realizable value is mainly based on independent apprai&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sals no more than one year old, or less if there are indications of impairment.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Inventory sales&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In sale transactions, the carrying amount of inventories is derecognized from the consolidated balance sheet and recognized as an expense under the income state&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ment heading &amp;quot;Other operating expenses &amp;#8211; Changes in inventories&amp;#8221; in the year in which the income from its sale is recognized. This income is recognized under the heading &amp;#8220;Other operating income &amp;#8211; Financial income from non-financial services&amp;#8221; in the consoli&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;dated income statements (see Note 42).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.7   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Business combinations&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A business combination is a transaction, or any other deal, by which the Group obtains control of one or more businesses. It is accounted for by applying the acquisition method.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;According&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; to this method, the acquirer has to recognize the assets acquired and the liabilities and contingent liabilities assumed, including those that the acquired entity had not recognized in the accounts. The method involves the measurement of the consideration&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; received for the business combination and its allocation to the assets, liabilities and contingent liabilities measured according to their fair value, at the purchase date, as well as the recognition of any non-controlling participation (minority interest&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s) that may arise from the transaction.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In a business combination achieved in stages, the acquirer shall remeasure its previously held equity interest in the acquiree at its acquisition-date fair value and recognize the resulting gain or loss, if any, in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;profit or loss under the heading &amp;#8220;Gains (losses) on derecognition of non-financial assets and subsidiaries, net&amp;#8221; of the consolidated income statements. In prior reporting periods, the acquirer may have recognized changes in the value of its equity interest&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in the acquiree in other comprehensive income. If so, the amount that was recognized in other comprehensive income shall be recognized on the same basis as would be required if the acquirer had disposed directly of the previously held equity interest.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;addition, the acquirer shall recognize an asset in the consolidated balance sheet under the heading &amp;#8220;Intangible asset - Goodwill&amp;#8221; if on the acquisition date there is a positive difference between:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the sum of the consideration transferred, the amount of all&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; the non-controlling interests and the fair value of stock previously held in the acquired business; and &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the net fair value of the assets acquired and liabilities assumed.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If this difference is negative, it shall be recognized directly in the income state&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ment under the heading &amp;#8220;Negative goodwill recognized in profit or loss&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Non-controlling interests in the acquired entity may be measured in two ways: either at their fair value; or at the proportional percentage of net assets identified in the acquired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;entity. The method of valuing non-controlling interest may be elected in each business combination. BBVA Group has always elected for the second method.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.8   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Intangible assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Goodwill&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Goodwill represents a portion of consideration transferred in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;advance by the acquiring entity for the future economic benefits from assets that cannot be individually identified and separately recognized. Goodwill is never amortized. It is subject periodically to an impairment analysis, and is written off if there ha&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s been impairment (see Note 18).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Goodwill is assigned to one or more cash-generating units that expect to be the beneficiaries of the synergies derived from the business combinations. The cash-generating units represent the Group&amp;#8217;s smallest identifiable as&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;set groups that generate cash flows for the Group and that are largely independent of the flows generated from the Group&amp;#8217;s other assets or groups of assets. Each unit or units to which goodwill is allocated:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Is the lowest level at which the entity manages &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;goodwill internally.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Is not larger than an operating segment.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The cash-generating units to which goodwill has been allocated are tested for impairment (including the allocated goodwill in their carrying amount). This analysis is performed at least annually&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; or more frequently if there is any indication of impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For the purpose of determining the impairment of a cash-generating unit to which a part of goodwill has been allocated, the carrying amount of that cash-generating unit, adjusted by the theoreti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cal amount of the goodwill attributable to the non-controlling interests, in the event they are not valued at fair value, is compar&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed with its recoverable amount.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The recoverable amount of a cash-generating unit is equal to the fair value less sale costs &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;or its value in use, whichever is greater. Value in use is calculated as the discounted value of the cash flow projections that the unit&amp;#8217;s management estimates and is based on the latest budgets approved for the coming years. The main assumptions used in i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ts calculation are: a sustainable growth rate to extrapolate the cash flows indefinitely, and the discount rate used to discount the cash flows, which is equal to the cost of the capital assigned to each cash-generating unit, and equivalent to the sum of t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he risk-free rate plus a risk premium inherent to the cash-generating unit being evaluated for impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If the carrying amount of the cash-generating unit exceeds the related recoverable amount, the Group recognizes an impairment loss; the resulting los&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s is apportioned by reducing, first, the carrying amount of the goodwill allocated to that unit and, second, if there are still impairment losses remaining to be recognized, the carrying amount of the remainder of the assets. This is done by allocating the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; remaining loss in proportion to the carrying amount of each of the assets in the unit. In the event the non-controlling interests are measured at fair value, the deterioration of goodwill attributable to non-controlling interests will be recognized. In an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;y case, an impairment loss recognized for goodwill shall not be reversed in a subsequent period.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Goodwill impairment losses are recognized under the heading &amp;quot;Impairment or reversal of impairment on non-financial assets &amp;#8211; Intangible assets&amp;#8221; in the consolida&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ted income statements (see Note 48).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Other intangible assets&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These assets may have an indefinite useful life if, based on an analysis of all relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; to generate net cash flows for the consolidated entities. In all other cases they have a finite useful life (see Note 18).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Intangible assets with a finite useful life are amortized according to the duration of this useful life, using methods similar to th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ose used to depreciate tangible assets. The defined useful life intangible asset is made up mainly of IT applications acquisition costs which have a useful life of 3 to 5 years. The depreciation charge of these assets is recognized in the accompanying cons&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;olidated income statements under the heading &amp;quot;Depreciation and amortization&amp;quot; (see Note 45).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#222222;' &gt;The consolidated entities recognize any impairment loss on the carrying amount of these assets with charge to the heading &amp;#8220;Impairment or reversal of impairment on n&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#222222;' &gt;on - financial assets- Intangible assets&amp;#8221; in the accompanying consolidated income statements (see Note 48). &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The criteria used to recognize the impairment losses on these assets and, where applicable, the recovery of impairment losses recognized in prior &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;years, are similar to those used for tangible assets.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.9   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Insurance and reinsurance contracts&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The assets and liabilities of the BBVA Group&amp;#8217;s insurance subsidiaries are recognized according to their nature under the corresponding headings of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;consolidated balance sheets, and the initial recognition and valuation is carried out according to the criteria set out in IFRS 4.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Insurance and reinsurance assets&amp;#8221; in the accompanying consolidated balance sheets includes the amounts that the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;consolidated insurance subsidiaries are entitled to receive under the reinsurance contracts entered into by them with third parties and, more specifically, the reinsurer&amp;#180;s share of the technical provisions recognized by the consolidated insurance subsidiar&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ies.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Liabilities under insurance and reinsurance contracts&amp;#8221; in the accompanying consolidated balance sheets includes the technical provisions for direct insurance and inward reinsurance recognized by the consolidated insurance subsidiaries to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cover claims arising from insurance contracts open at period-end (see Note 23).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The income or expenses reported by the BBVA Group&amp;#8217;s consolidated insurance subsidiaries on their insurance activities is recognized, in accordance with their nature, in the co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rresponding items of the consolidated income statements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The consolidated insurance entities of the BBVA Group recognize the amounts of the premiums written and a charge for the estimated cost of the claims that will be incurred at their final settlement t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;o their consolidated income statements. At the close of each year the amounts collected and unearned, as well as the costs incurred and unpaid, are accrued.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The most significant provisions recorded by consolidated insurance entities with respect to insuran&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ce policies issued by them are set out by their nature in Note 23.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;According to the type of product, the provisions may be as follows:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Life insurance provisions:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Represents the value of the net obligations undertaken with the life insurance policyholder. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;These provisions include:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:12pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Provisions for unearned premiums. These are intended for the accrual, at the date of calculation, of the premiums written. Their balance reflects the portion of the premiums received until the closing date that has to be allocated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; to the period from year-end to the end of the insurance policy period.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:12pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Mathematical&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; reserves: Represents the value of the life insurance obligations of the insurance entities at year-end, net of the policyholder&amp;#8217;s obligations, arising from life insurance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;contracted.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Non-life insurance provisions:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:12pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Provisions for unearned premiums. These provisions are intended for the accrual, at the date of calculation, of the premiums written. Their balance reflects the portion of the premiums received until the closing d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ate that has to be allocated to the period between the year-end and the end of the policy period.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:12pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Provisions for unexpired risks: The provision for unexpired risks supplements the provision for unearned premiums by the amount by which that provision is not&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; sufficient to reflect the assessed risks and expenses to be covered by the consolidated insurance subsidiaries in the policy period not elapsed at year-end.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Provision for claims:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;This reflects the total amount of the outstanding obligations arising from &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;laims incurred prior to year-end. Insurance subsidiaries calculate this&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;provision as the difference between the total estimated or certain cost of the claims not yet reported, settled or paid, and the total amounts already paid in relation to these claims.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Provision for bonuses and rebates:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;This provision includes the amount of the bonuses &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;accruing to policyholders, insurees or beneficiaries and the premiums to be returned to policyholders or insurees, as the case may be, based on the behavior of the risk &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;insured, to the extent that such amounts have not been individually assigned to each of them.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Technical provisions for reinsurance ceded:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;Calculated by applying the criteria indicated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;above for direct insurance, taking account of the assignment conditions &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;established in the open reinsurance contracts.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Other technical provisions:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;Insurance entities have recognized provisions to cover the probable &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;mismatches in the market reinvestment interest rates with respect to those used in the valuation of the technical&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; provisions.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group controls and monitors the exposure of the insurance subsidiaries to financial risk and, to this end, uses internal methods and tools that enable it to measure credit risk and market risk and to establish the limits for these &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;risks.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.10   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Tax assets and liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Expenses on corporate income tax applicable to the BBVA Group&amp;#8217;s Spanish entities and on similar income taxes applicable to consolidated foreign entities are recognized in the consolidated income statement, except &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;when they result from transactions on which the profits or losses are recognized directly in equity, in which case the related tax effect is also recognized in equity. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The total corporate income tax expense is calculated by aggregating the current tax ari&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sing from the application of the corresponding tax rate as per the tax base for the year (after deducting the tax credits or discounts allowable for tax purposes) and the change in deferred tax assets and liabilities recognized in the consolidated income s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tatement.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Deferred tax assets and liabilities include temporary differences, defined as the amounts to be payable or recoverable in future years arising from the differences between the carrying amount of assets and liabilities and their tax bases (the &amp;#8220;ta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;x value&amp;#8221;), and tax loss and tax credit or discount carry forwards (see Note 19).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The &amp;quot;Tax Assets&amp;quot; line item in the accompanying consolidated balance sheets includes the amount of all the assets of a tax nature, broken down into: &amp;quot;Current&amp;#8221; (amounts of tax r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ecoverable in the next twelve months) and &amp;quot;Deferred&amp;quot; (which includes the amount of tax to be recovered in future years, including those arising from tax losses or credits for deductions or rebates that can be compensated). The &amp;quot;Tax Liabilities&amp;quot; line item i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n the accompanying consolidated balance sheets includes the amount of all the liabilities of a tax nature, except for provisions for taxes, broken down into: &amp;quot;Current&amp;#8221; (income tax payable on taxable profit for the year and other taxes payable in the next t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;welve months) and &amp;quot;Deferred&amp;quot; (the amount of corporate tax payable in subsequent years).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Deferred tax liabilities attributable to taxable temporary differences associated with investments in subsidiaries, associates or joint venture entities are recognized &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;as such, except where the Group can control the timing of the reversal of the temporary difference and it is unlikely that it will reverse in the future. Deferred tax assets are recognized to the extent that it is considered probable that the consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;entities will have sufficient taxable profits in the future against which the deferred tax assets can be utilized and are not from the initial recognition (except in the case of a business combination) of other assets or liabilities in a transaction that d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;oes not affect the fiscal outcome or the accounting result.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The deferred tax assets and liabilities recognized are reassessed by the consolidated entities at each balance sheet date in order to ascertain whether they still qualify as deferred tax assets an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d liabilities, and the appropriate adjustments are made on the basis of the findings of the analyses performed. In those circumstances in which it is unclear how a specific requirement of the tax law applies to a particular transaction or circumstance, and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the acceptability of the definitive tax treatment depends on the decisions taken by the relevant taxation authority in future, the entity recognizes current and deferred tax liabilities and assets considering whether it is probable or not that a taxation &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;authority will acc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ept an uncertain tax treatment.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Thus, if the entity concludes that it is not probable that the taxation authority will accept an uncertain tax treatment, the entity uses the amount expected to be paid to (recovered from) the taxation &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;authorities.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The income and expenses directly recognized in consolidated equity that do not increase or decrease taxable income are accounted for as temporary differences.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.11   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Provisions, contingent assets and contingent liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Provi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sions&amp;#8221; in the consolidated balance sheets includes amounts recognized to cover the BBVA Group&amp;#8217;s current obligations arising as a result of past events. These are certain in terms of nature but uncertain in terms of amount and/or settlement date. The settle&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ment of these obligations is deemed likely to entail an outflow of resources embodying economic benefits (see Note 24). The obligations may arise in connection with legal or contractual provisions, valid expectations formed by Group entities relative to th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ird parties in relation to the assumption of certain responsibilities or through virtually certain developments of particular aspects of the regulations applicable to the operation of the entities; and, specifically, future legislation to which the Group w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ill certainly be subject. The provisions are recognized in the consolidated balance sheets when each and every one of the following requirements is met:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;They represent a current obligation that has arisen from a past event. At the date of the Consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial Statements, there is more probability that the obligation will have to be met than that it will not.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;It is probable that an outflow of resources embodying economic benefits will be required to settle the obligation.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The amount of the obligation c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;an be reasonably estimated.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Among other items, these provisions include the commitments made to employees by some of the Group entities (mentioned in Note 2.2.12), as well as provisions for tax and legal litigation.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Contingent assets are possible assets th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;at arise from past events and whose existence is conditional on, and will be confirmed only by, the occurrence or non-occurrence of events beyond the control of the Group. Contingent assets are not recognized in the consolidated balance sheet or in the con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;solidated income statement; however, they will be disclosed, should they exist, in the Notes to the Consolidated Financial Statements, provided that it is probable will give rise to an increase in resources embodying economic benefits.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Contingent liabiliti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es are possible obligations of the Group that arise from past events and whose existence is conditional on the occurrence or non-occurrence of one or more future events beyond the control of the Group. They also include the existing obligations of the Grou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;p when it is not probable that an outflow of resources embodying economic benefits will be required to settle them; or when, in extremely rare cases, their amount cannot be measured with sufficient reliability. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Contingent liabilities are not recognized in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the consolidated balance sheet or the income statement (excluding contingent liabilities from business combination) but are disclosed in the Notes to the Consolidated Financial Statements, unless the possibility of an outflow of resources embodying econom&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ic benefits is remote.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.12   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Pensions and other post-employment commitments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Below we provide a description of the most significant accounting policies relating to post-employment and other employee benefit commitments assumed by BBVA Group entities (see&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; Note 25).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Short-term employee benefits&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Benefits for current active employees which are accrued and settled during the year and for which a provision is not required in the entity&amp;#180;s accounts. These include wages and salaries, social security charges and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;other personnel expenses.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Costs are charged and recognized under the heading &amp;#8220;Administration costs &amp;#8211; Personnel expenses &amp;#8211; Other personnel expenses&amp;#8221; of the consolidated income statement (see Note 44.1).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Post-employment benefits &amp;#8211; Defined-contribution plans&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group sponsors defined-contribution plans for the majority of its active employees. The amount of these benefits is established as a percentage of remuneration and/or as a fixed amount.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The contributions made to these plans in each year by BBVA Group e&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ntities are charged and recognized under the heading &amp;#8220;Administration costs &amp;#8211; Personnel expenses &amp;#8211; Defined-contribution plan expense&amp;#8221; of the consolidated income statement (see Note 44.1). &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Post-employment benefits &amp;#8211; Defined-benefit plans&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Some Group entities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; maintain pension commitments with employees who have already retired or taken early retirement, certain closed groups of active employees still accruing defined benefit pensions, and in-service death and disability benefits provided to most active employe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es. These commitments are covered by insurance contracts, pension funds and internal provisions.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, some of the Spanish entities have offered certain employees the option to retire before their normal retirement age, recognizing the necessary pro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;visions to cover the costs of the associated benefit commitments, which include both the liability for the benefit payments due as well as the contributions payable to external pension funds during the early retirement period.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Furthermore, certain Group entities provide welfare and medical benefits which extend beyond the date of retirement of the employees entitled to the benefits.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All of these commitments are quantified based on actuarial valuations, with the amounts recorded &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;under the heading &amp;#8220;Provisions &amp;#8211; Provisions for pensions and similar obligations&amp;#8221; in the consolidated balance sheet and determined as the difference between the value of the defined-benefit commitments and the fair value of plan assets at the date of the Co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nsolidated Financial Statements (see Note 25).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Current service cost are charged and recognized under the heading &amp;#8220;Administration costs &amp;#8211; Personnel expenses &amp;#8211; Defined-benefit plan expense&amp;#8221; of the consolidated income statement (see Note 44.1).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Interest credi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ts/charges relating to these commitments are charged and recognized under the headings &amp;#8220;Interest and other income&amp;#8221; and &amp;#8220;Interest expense&amp;#8221; of the consolidated income statement (see Note 37).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Past service costs arising from benefit plan changes as well as ea&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rly retirements granted during the year are recognized under the heading &amp;#8220;Provisions or reversals of provisions&amp;#8221; of the consolidated income statement (see Note 46).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Other long-term employee benefits&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition to the above commitments, certain Group entit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ies provide long-term service awards to their employees, consisting of monetary amounts or periods of vacation granted upon completion of a number of years of qualifying service.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These commitments are quantified based on actuarial valuations and the amounts recorded under the heading &amp;#8220;Provisions &amp;#8211; Other long-term employee benefits&amp;#8221; of the consolidated balance sheet (see Note 24).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Valuation of commitments: actuarial assumptions and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;recognition of gains/losses&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The present value of these commitments is determined based on individual member data. Active employee costs are determined using the &amp;#8220;projected unit credit&amp;#8221; method, which treats each period of service as giving rise to an additi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;onal unit of benefit and values each unit separately.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In establishing the actuarial assumptions we take into account that:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;They should be unbiased, i.e. neither unduly optimistic nor excessively conservative.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Each assumption does not contradict the others &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;and adequately reflect the existing relationship between economic variables such as price inflation, expected wage increases, discount rates and the expected return on plan assets, etc. Future wage and benefit levels should be based on market expectations,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; at the balance sheet date, for the period over which the obligations are to be settled.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The interest rate used to discount benefit commitments is determined by reference to market yields, at the balance sheet date, on high quality bonds.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cognizes actuarial gains/losses relating to early retirement benefits, long service awards and other similar items under the heading &amp;#8220;Provisions or reversal of provisions&amp;#8221; of the consolidated income statement for the period in which they arise (see Note 46&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;). Actuarial gains/losses relating to pension and medical benefits are directly charged and recognized under the heading &amp;quot;Accumulated other comprehensive income &amp;#8211; Items that will not be reclassified to profit or loss &amp;#8211; Actuarial gains or losses on defined &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;benefit pension plans&amp;quot; of equity in the consolidated balance sheet (see Note 30).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.13   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Equity-settled share-based payment transactions&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Provided they constitute the delivery of such equity instruments following the completion of a specific period of services, equity-settled share-based payment transactions are recognized as an expense for services being provided by employees, by way of a b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;alancing entry under the heading &amp;#8220;Shareholders&amp;#8217; funds &amp;#8211; Other equity instruments&amp;#8221; in the consolidated balance sheet. These services are measured at fair value for the employees services received, unless such fair value cannot be calculated reliably. In suc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;h case, they are measured by reference to the fair value of the equity instruments granted, taking into account the date on which the commitments were granted and the terms and other conditions included in the commitments.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the initial compensation agr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;eement includes what may be considered market conditions among its terms, any changes in these conditions will not be reflected in the consolidated income statement, as these have already been accounted for in calculating the initial fair value of the equi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ty instruments. Non-market vesting conditions are not taken into account when estimating the initial fair value of equity instruments, but they are taken into account when determining the number of equity instruments to be issued. This will be recognized o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n the consolidated income statement with the corresponding increase in total consolidated equity.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.14   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Termination benefits&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Termination benefits are recognized in the financial statements when the BBVA Group agrees to terminate employment contracts wit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;h its employees and has established a detailed plan.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.15   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Treasury &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;shares&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The value of common stock issued by the BBVA Group&amp;#8217;s entities and held by them - basically, shares and derivatives on the Bank&amp;#8217;s shares held by some consolidated entities that &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;comply with the requirements to be recognized as equity instruments - are recognized as a decrease to net equity, under the heading &amp;quot;Shareholders&amp;#8217; funds - Treasury stock&amp;quot; in the consolidated balance sheets (see Note 29).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These financial assets are recogniz&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed at acquisition cost, and the gains or losses arising on their disposal are credited or debited, as appropriate, to the heading &amp;#8220;Shareholders&amp;#8217; funds - Retained earnings&amp;#8221; in the consolidated balance sheets (see Note 28).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.16   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Foreign-currency transact&lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;ions and exchange differences&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group&amp;#8217;s functional currency, and thus the currency in which the Consolidated Financial Statements are presented, is the euro. As such, all balances and transactions denominated in currencies other than the euro are de&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;emed to be denominated in &amp;#8220;foreign currency&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Conversion to euros of the balances held in foreign currency is performed in two consecutive stages:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Conversion of the foreign currency to the entity&amp;#8217;s functional currency (currency of the main economic environ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ment in which the entity operates); and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Conversion to euros of the balances held in the functional currencies of the entities whose functional currency is not the euro.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Conversion of the foreign currency to the entity&amp;#8217;s functional currency&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Transactions &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;denominated in foreign currencies carried out by the consolidated entities (or entities accounted for using the equity method) are initially accounted for in their respective currencies. Subsequently, the monetary balances in foreign currencies are convert&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed to their respective functional currencies using the exchange rate at the close of the financial year. In addition,&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Non-monetary items valued at their historical cost are converted to the functional currency at the exchange rate applicable on the purchas&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e date.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Non-monetary items valued at their fair value are converted at the exchange rate in force on the date on which such fair value was determined.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Income and expenses are converted at the period&amp;#8217;s average exchange rates for all the operations carried o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ut during the year. When applying this criterion the BBVA Group considers whether significant variations have taken place in exchange rates during the year which, owing to their impact on the statements as a whole, may require the application of exchange r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ates as of the date of the transaction instead of such average exchange rates.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The exchange differences produced when converting the balances in foreign currency to the functional currency of the consolidated entities are generally recognized under the hea&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ding &amp;quot;Exchange differences, net&amp;quot; in the consolidated income statements (see Note 41). However, the exchange differences in non-monetary items, measured at fair value, are recognized temporarily in consolidated equity under the heading &amp;#8220;Accumulated other co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;mprehensive income - Items that may be reclassified to profit or loss - Exchange differences&amp;#8221; in the consolidated balance sheets (see Note 30).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Conversion of functional currencies to euros&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The balances in the financial statements of consolidated entities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;whose functional currency is not the euro are converted to euros as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Assets and liabilities: at the closing spot exchange rates as of the date of each of the consolidated balance sheets.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Income and expenses and cash flows are converted&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; by applying the exchange rate applicable on the date of the transaction, and the average exchange rate for the financial year may be used, unless it has undergone significant variations.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Equity items: at&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; the historical exchange rates.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The exchange differe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nces arising from the conversion to euros of balances in the functional currencies of the consolidated entities whose functional currency is not the euro are recognized under the heading &amp;#8220;Accumulated other comprehensive income &amp;#8211; Items that may be reclassif&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ied to profit or loss - Exchange differences&amp;#8221; in the consolidated balance sheets (Notes 30 and 31 respectively). Meanwhile, the differences arising from the conversion to euros of the financial statements of entities accounted for by the equity method are &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;recognized under the heading &amp;quot; Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Entities accounted for using the equity method&amp;quot; (Note 30) until the item to which they relate is derecognized, at which time they are&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; recognized in the income statement.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The financial statements of companies of hyperinflationary economies are restated for the effects of changes in prices before their conversion to euros following the provisions of IAS 29 &amp;quot;Financial information in hyperi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nflationary economies&amp;quot; (see note 2.2.20). Both these adjustments for inflation and the exchange differences that arise when converting the financial statements of companies into hyperinflationary economies are accounted for in Reserves.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e main consolidated balances in foreign currencies, with reference to the most significant foreign currencies, is set forth in Appendix VII.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Venezuela&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Local financial statements of the Group subsidiaries in Venezuela are expressed in Venezuelan Bolivar, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;and converted into euros for the consolidated financial statements&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. As &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Venezuela is a country with strong exchange restrictions and has diffe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rent rates officially published, s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ince December 31, 2015, the Board of Directors considers that the use of the Vene&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;zuelan official exchanges rates for converting bolivars into euros in preparing the Consolidated Financial Statements does not reflect the true picture of the financial statements of the Group and the financial position of the Group subsidiaries in Venezue&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;la. Therefore, since the year ended December 31, 2015, the exchange rate for converting bolivars into euros is an estimation taking into account the lack of official data and the evolution of the estimated inflation in Venezuela. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2017 and 2016, the impact on the financial statements that would have resulted by applying the last published official exchange rate instead of the exchange rate estimated by BBVA Group was not significant.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.17   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Recognition of income and expenses&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;most significant policies used by the BBVA Group to recognize its income and expenses are as follows.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Interest income and expenses and similar items:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;As a general rule, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;interest income and expenses and similar items are recognized on the basis of their per&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;iod of accrual using the effective interest rate method. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;They shall &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;be&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&amp;#8217; portfolio which generates the income or expenses:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The interest income past-due before the initial recognition and pending to be received will form part of the gross carrying amount of the debt instrument.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The interest income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; accrued after the initial recognition will form part of the gross carrying amoun&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;t of the debt instrument until it will be received.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The financial fees and commissions that arise on the arrangement of loans and advances (basically origination and analysis fees) are deferred and recognized in the income statement over the expected life &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the loan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;. From that amount, the transaction costs identified as directly attributable to the arrangement of the loans and advances will be deducted. These fees are part of the effective interest rate for the loans and advances. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;Once a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; debt instrument has been impaired, interest income is recognized applying the effective interest rate used to discount the estimated recoverable cash flows on the carrying amount of the asset.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Income from dividends received:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;Dividends shall be &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;recognized&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; within the consolidated income statement according to the following&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;criteria, independently from the financial instruments&amp;#8217; portfolio which generates this income:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;When the right to receive payment has been declared before the initial recognition and when &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the payment is pending to be received, the dividends will not form part of the gross carrying amount of the equity instrument and will not be recognized as income. Those dividends are accounted for as financial assets separately from the net equity instrum&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ent.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;If the right to receive payment is received after the initial recognition, the dividends from the net equity instruments will be recognized within the consolidated income statement. If the dividends correspond indubitable to the profits of the issuer &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;before the date of initial recognition, they will not be recognized as income but as reduction of the gross carrying amount of the equity instrument because it represents a partly recuperation of the investment. Amongst other circumstances, the generation &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;date can be considered to be prior to the date of initial recognition if the amounts distributed by the issuer as from the initial recognition are higher than its profits during the same period.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Commissions, fees and similar items:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Income and expenses rel&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ating to commissions and similar fees are recognized in the consolidated income statement using criteria that vary according to the nature of such items. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The most significant items in this connection are:&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Those relating to financial assets and liabilities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;measured at fair value through profit or loss, which are recognized when collected/paid.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Those arising from transactions or services that are provided over a period of time, which are recognized over the life of these transactions or services.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Those relati&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ng to a singular transaction, which are recognized when this singular transaction is carried out.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Non-financial income and expenses:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These are recognized for accounting purposes on an accrual basis.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Deferred collections and payments:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These are recognized &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.18   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Sales of assets and income from the provision of non-financial services&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Other operating income&amp;#8221; in the consolidated income &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;statements includes the proceeds of the sales of assets and income from the services provided by the Group entities that are not financial institutions. In the case of the Group, these entities are mainly real estate and service entities (see Note 42).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;.19   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Leases&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Lease contracts are classified as finance leases from the inception of the transaction if they substantially transfer all the risks and rewards incidental to ownership of the asset forming the subject-matter of the contract. Leases other than &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;finance leases are classified as operating leases.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the consolidated entities act as the lessor of an asset under finance leases, the aggregate present values of the lease payments receivable from the lessee plus the guaranteed residual value (normally&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the exercise price of the lessee&amp;#8217;s purchase option on expiration of the lease agreement) are recognized as financing provided to third parties and, therefore, are included under the heading &amp;#8220;Loans and receivables&amp;#8221; in the accompanying consolidated balance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sheets (see Note 14).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the consolidated entities act as lessors of an asset in operating leases, the acquisition cost of the leased assets is recognized under &amp;quot;Tangible assets &amp;#8211; Property, plant and equipment &amp;#8211; Other assets leased out under an operating&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; lease&amp;quot; in the consolidated balance sheets (see Note 17). These assets are depreciated in line with the criteria adopted for items of tangible assets for own use, while the income arising from the lease arrangements is recognized in the consolidated income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; statements on a straight-line basis within &amp;quot;Other operating expenses&amp;quot; (see Note 42).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If a fair value sale and leaseback results in an operating lease, the profit or loss generated from the sale is recognized in the consolidated income statement at the tim&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e of sale. If such a transaction gives rise to a finance lease, the corresponding gains or losses are&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; accrued over the lease period.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The assets leased out under operating lease contracts to other entities in the Group are treated in the Consolidated Finan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cial Statements as for own use, and thus rental expense and income is eliminated in consolidation and the corresponding depreciation is recognized.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2.20   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Entities and branches located in countries with hyperinflationary economies&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with the IFRS criteria, to determine whether an economy has a high inflation rate, the country&amp;#39;s economic situation is examined, analyzing whether certain circumstances are fulfilled, such as whether the population prefers to keep its wealth &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;or savings in non-monetary assets or in a relatively stable foreign currency, whether prices can be set in that currency, whether interest rates, wages and prices are pegged to a price index or whether the accumulated inflation rate over three years reache&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s or exceeds 100%. The fact that any of these circumstances is fulfilled will not be a decisive factor in considering an economy hyperinflationary, but it does provide some reasons to consider it as such. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Argentina&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In 2018, the Argentinian economy was con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sidered to be hyperinflationary as defined by the aforementioned criteria. Accordingly, as of December 31, 2018, it was necessary to adjust the financial statements of the Group&amp;#39;s subsidiaries based in Argentina to correct for the effect of inflation.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Purs&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;uant to the requirements of IAS 29, the monetary headings (mainly loans and deposits) have not been re-expressed, while the non-monetary headings (mainly tangible fixed assets and equity) have been re- expressed in accordance with the change in the country&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#39;s Consumer Price Index.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The accumulated historical differences between the re-expressed costs and the previous costs in the non-monetary headings as of December 31, 2017 were credited to &amp;#8220;Equity&amp;#8221; in the balance sheet, effective on January 1, 2018, while &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the differences corresponding to 2018, and the re-expression of results were recognized in the consolidated income statement for 2018 in accordance with the nature of the income and expenses.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During the year ended December 31, 2018 there was a reclassific&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ation in &amp;#8220;Transfers within total equity&amp;#8221; of the Consolidated Statements of Changes in Equity between &amp;#8220;Accumulated other comprehensive income&amp;#8221; and &amp;#8220;Shareholders&amp;#8217; funds &amp;#8211; Retained earnings&amp;#8221; for &amp;#8364;1,096 million, and from &amp;#8220;Non-controlling interest &amp;#8211; Accumulated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; other comprehensive income (loss)&amp;#8221; to &amp;#8220;Non-controlling interest &amp;#8211; Other&amp;#8221; for &amp;#8364;540 million in accordance with IAS 29 and the accounting policy approved by the Group in relation to the hyperinflation (see Note 1.3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During 2018, the increase in the reserves&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of Group entities located in Argentina derived from the re-expression for hyperinflation (IAS 29) amounted to &amp;#8364;703 million, of which &amp;#8364;463 million have been recorded within &amp;#8220;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Shareholders&amp;#8217; funds - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Retained earnings&amp;#8221; and &amp;#8364;240 million within &amp;#8220;Minority interes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ts &amp;#8211; Other&amp;#8221;. Furthermore, during 2018 the decrease in the reserves of Group entities located in Argentina derived from conversion (IAS 21) amounts to &amp;#8364;-773 million, of which &amp;#8364;-515 million have been recorded within &amp;#8220;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Shareholders&amp;#8217; funds - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Retained earnings&amp;#8221;,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;-258 million within &amp;#8220;Minority interests &amp;#8211; Other&amp;#8221;. The net impact of both effects is presented under the caption &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8220;Other increases or (-) decreases in equity&amp;#8221; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in the consolidated Statement of Changes in Equity for the year ended December 31, 2018. The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;net loss in the profit attributable to the parent company of the Group in 2018 derived from the application of IAS 29 amounted to &amp;#8364;209 million. In addition, there is a net loss in the profit attributable to the parent company of the Group in 2018 derived f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rom the application of IAS 21 which amounted to &amp;#8364;57 million.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the General Price Index (&amp;#8220;GPI&amp;#8221;) and the inflation index used as of December 31, 2018 for the inflation restatement of the financial statements of the Group companies locat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed in A&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rgentina is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;text-decoration:underline;color:#000000;' &gt;General Price Index &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;GPI&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Average GPI&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Inflation of the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Venezuela&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Since 2009, the economy of Venezuela can be considered hyperinflationary under the above criteria. As a result, the financial statements of the BBVA Group&amp;#8217;s entities located in Venezuela have &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;therefore been adjusted to correct for the effects of inflation in accordance with IAS 29 &amp;#8220;Financial Reporting in Hyperinflationary Economies&amp;#8220;. As stated in Note 1.3, BBVA has restated prior year information in relation to a change in the accounting policy&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; for applying IAS 29.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The losses recognized under the heading &amp;#8220;Profit attributable to the parent company&amp;#8221; in the accompanying consolidated income statement as a result of the adjustment for inflation on net monetary position of the Group entities in Venezu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ela amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;12&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;13&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;28&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million in 2018, 2017 and 2016 respectively (see Note 2.2.16).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.3   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Recent IFRS pronouncements&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:11pt;text-decoration:underline;margin-left:0pt;color:#072146;' &gt;Changes introduced in 2018&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following amendments to the IFRS standards or their interpretations (hereinafter &amp;#8220;IFRIC&amp;#8221;) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;became effecti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ve on or after January 1, 2018.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;IFRS 9 - &amp;#8220;Financial instruments&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;IFRS 9 replaced IAS 39 for financial statements from January 1, 2018 onwards and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;includes new classification and measurement requirements for financial assets and liabilities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;and impairment requirements for financial assets&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; (see Note 2.2.1).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Regarding the hedge accounting, the Group has elected to continue applying IAS 39 to its hedge accounting as permitted by IFRS 9.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Amended IFRS 9 &amp;#8211; Prepayment Features with Negative &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;Compensation&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments to IFRS 9 allow entities to measure certain prepayable financial assets with negative compensation at amortized cost or at fair value through other comprehensive income if a specified condition is met, instead of at fair value t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hrough profit or loss. The condition is that the financial asset would otherwise meet the criteria of having contractual cash flows that are solely payments of principal and interest but do not meet that condition only as a result of that prepayment featur&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments should be applied to the accounting periods beginning on or after January 1, 2019, although early application is permitted. The Group has applied this amendment to the accounting period beginning on January 1, 2018 and it has not had a si&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;gnificant impact on the Group&amp;#180;s financial statements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Amended IFRS 7 - &amp;#8220;Financial instruments: Disclosures&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The IASB modified IFRS 7 in December 2011 to include new disclosures on financial instruments that entities have to provide in the period that they &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;apply IFRS 9 for the first time.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;IFRS 15 - &amp;#8220;Revenue from contracts with customers&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 15 contains the principles that an entity shall apply to account for revenue and cash flows arising from a contract with a customer (see Note 2.2.17).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The core principl&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e of IFRS 15 is that a company should recognize revenue to depict the transfer of promised goods or services to the customer in an amount that reflects the consideration to which the company expects to be entitled in exchange for those goods or services, i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n accordance with contractual agreements (&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;either over time or at a certain time)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. It is considered that the good or service is transferred when the customer obtains control over it.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The new Standard replaces IAS 18 &amp;#8211; Revenue, IAS 11 - Construction Contract&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s, IFRIC 13 - Customer Loyalty Programmes, IFRIC 15 - Agreements for the Construction of Real Estate, IFRIC 18 - Transfers of Assets from Customers and SIC 31 &amp;#8211; Revenue-Transactions Involving Advertising Services.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This standard has not had a significant &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impact on the Group&amp;#39;s Consolidated Financial Statements.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;IFRS 2 &amp;#8211; &amp;#8220;Classification and Measurement of Share-based Payment Transactions&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments made to IFRS 2 provide requirements on three different aspects:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;When measuring the fair value of a &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;cash-settled share-based payment vesting conditions, other than market conditions, the conditions for the irrevocability shall be taken into account by adjusting the number of awards included in the measurement of the liability arising from the transaction&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A transaction in which an entity settles a share-base payment arrangement net by withholding a specified portion of the equity instruments to meet a statutory tax withholding obligation will be classified as equity settled in its entirety if, without the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; net settlement feature, the entire share-based payment would otherwise be classified as equity-settled.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In case of modification of a share-based payment from cash-settled to equity-settled, the modification will be accounted for derecognizing the original&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; liability and recognizing in equity the fair value of the equity instruments granted to the extent that services have been rendered up to the modification date; any difference will be recognized immediately in profit or loss.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This standard has not had a &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;significant impact on the Group&amp;#39;s Consolidated Financial Statements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Amended IFRS 4 &amp;#8211; &amp;#8220;Insurance Contracts&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments made to IFRS 4 address the temporary accounting consequences of the different effective dates of IFRS 9 and the forthcoming insurance&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; contracts standard, by introducing two optional solutions: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;color:#000000;' &gt;The deferral approach or temporary exemption&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, that gives entities whose predominant activities are connected with insurance the option to defer the application of IFRS 9 and continue applying IAS&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; 39 until 2021.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;color:#000000;' &gt;The overlay approach&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, that gives all issuers of insurance contracts the option to recognize in other comprehensive income, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;color:#000000;' &gt;rather&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; than profit or loss, the additional accounting volatility that may arise from applying IFRS 9 compared to appl&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ying IAS 39 before applying the forthcoming insurance contracts standard.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This standard has not had a significant impact on the Group&amp;#39;s Consolidated Financial Statements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Annual improvements cycle to IFRSs 2014-2016 &amp;#8211; Minor amendments to IFRS 1 and IAS 28&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The annual improvements cycle to IFRSs 2014-2016 includes minor changes and clarifications to IFRS 1- First-time Adoption of International Financial Reporting Standards and IAS 28 &amp;#8211; Investments in Associates and Joint Ventures, which should be applied to t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he accounting periods beginning on or after January 1, 2018, although early application was permitted for modifications to IAS 28.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This standard has not had a significant impact on the Group&amp;#39;s Consolidated Financial Statements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;IFRIC 22 &amp;#8211; Foreign Currency&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt; Transactions and Advance Consideration&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Interpretation addresses how to determine the date of the transaction, and thus, the exchange rate to use to translate the related asset, expense or income on initial recognition, in circumstances in which a &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;non-monetary prepayment asset or a non-monetary deferred income liability arising from the payment or receipt of advance consideration is recognized in advance of the related asset, income or expense. It requires that the date of the transaction will be th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e date on which an entity initially recognizes the non-monetary a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sset or non-monetary liability.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If there are multiple payments or receipts in advance, the entity shall determine a date of the transaction for each payment or receipt of advance considerati&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;on.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This standard has not had a significant impact on the Group&amp;#39;s consolidated financial statements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Amended IAS 40 &amp;#8211; Investment Property&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The amendment states that an entity shall transfer a property to, or from, investment property when, and only when, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;there is evidence of a change in use. A change in use occurs when the property meets, or ceases to meet, the definition of investment property.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This standard has not had a significant impact on the Group&amp;#39;s financial statements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:11pt;text-decoration:underline;margin-left:0pt;color:#072146;' &gt;Standards and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;text-decoration:underline;color:#072146;' &gt;interpretations issued but not yet effective as of December 31, 2018&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;The following new International Financial Reporting Standards together with their interpretations had been published at the date of preparation of the accompanying consolidated financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;statements, but are not mandatory as of December 31, 2018. Although in some cases the IASB allows early adoption before their effective date, the BBVA Group has not proceeded with this option for any such new standards.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Amended IFRS 10 &amp;#8211; &amp;#8220;Consolidated fina&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;ncial statements&amp;#8221; and IAS 28 amended&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments to IFRS 10 and IAS 28 establish that when an entity sells or transfers assets which are considered a business (including its consolidated subsidiaries) to an associate or joint venture of the entity, the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;latter will have to recognize any gains or losses derived from such transaction in its entirety.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Notwithstanding, if the assets sold or transferred are not considered a business, the entity will have to recognize the gains or losses derived only to the ext&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ent of the interests in the associate or joint venture with unrelated investors.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These changes will be applicable to accounting periods beginning on the effective date, still to be determined, although early adoption is allowed.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;IFRS 16 &amp;#8211; &amp;#8220;Leases&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;January 13, 2016, the IASB issued IFRS 16 which will replace IAS 17 &amp;#8220;Leases&amp;#8221; for financial statements from January 1, 2019 onwards. The new standard introduces a single lessee accounting model and will require a lessee to recognize assets and liabilities f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;or all leases. The only exceptions are short-term contracts and those in which the underlying assets have low value. A lessee will be required to recognize a right-of-use asset representing its right to use the underlying leased asset and a lease liability&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; representing its obligation to make lease payments.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With regard to lessor accounting, IFRS 16 substantially carries forward the lessor accounting requirements in IAS 17. Accordingly, a lessor will continue to classify its leases as operating leases or fin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ance leases, and account for those two types of leases differently.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During the financial years 2017 and 2018 the Group has carried out a project to implement IFRS 16 with the participation of all affected areas. The standard will mainly affect the accounti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng of operating leases of the Group.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With regard to the estimated impact on the Consolidated Financial Statements, at the transition date, the Group has decided to apply the modified retrospective approach which requires recognition of a lease liability e&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;qual to the present value of the future payments committed on January 1, 2019. Regarding the measurement of the right-of-use asset, the Group has elected to record an amount equal to the lease liability. As a result of this approach, the Group expects to r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ecognize assets for the right-of-use and lease liabilities for an approximate amount of 3,600 million euros mainly coming from the Group&amp;#8217;s activity in Spain as well as from bank branches leases. The estimated impact in terms of capital (CET1) for the Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; amounts to -12 basis points.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The final impact of adopting the standard as of January 1, 2019 may change because:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the Group has not concluded the tests;&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the new accounting policies, methodologies and parameters may be subject to changes until the Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;pre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;sents&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; its financial statements that include the final impact as of the date of initial application.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;IFRS 17 &amp;#8211; Insurance Contracts&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 17 establishes the principles for the accounting for insurance contracts and supersedes IFRS 4. The new standard &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;introduces a single accounting model for all insurance contracts and requires the entities to use updated assumptions.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;An entity shall divide the contracts into groups and recognize and measure groups of insurance contracts at the total of:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the fulfilment &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;cash flows, that comprises the estimate of future cash flows, an adjustment to reflect the time value of money and the financial risk associated with the future cash flows and a risk adjustment for non-financial risk; and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the contractual service margin tha&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;t r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;epresents the unearned profit.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amounts recognized in the consolidated income statement shall be disaggregated into insurance revenue, insurance service expenses and insurance finance income or expenses. Insurance revenue and insurance service expens&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es shall exclude any investment components. Insurance revenue shall be recognized over the period the entity provides insurance coverage and in proportion to the value of the provision of coverage that the insurer provides in the period.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This Standard wil&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;l be applied to the accounting years starting on or after January 1, 2021.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;IFRIC 23 - Uncertainty over Income Tax Treatments&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRIC 23 provides guidance on how to apply the recognition and measurement requirements in IAS 12 when there is uncertainty over in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;come tax treatments. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If the entity considers that it is probable that the taxation authority will accept an uncertain tax treatment, the Interpretation requires the entity to determine taxable profit (tax loss), tax bases, unused tax losses, unused tax &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;credits or tax rates consistently with the tax treatment used or planned to be used in its income tax filings.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If the entity considers that it is not probable that the taxation authority will accept an uncertain tax treatment, the Interpretation requires &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the entity to use the most likely amount or the expected value (sum of the probability. weighted amounts in a range of possible outcomes) in determining taxable profit (tax loss), tax bases, unused tax losses, unused tax credits and tax rates. The method u&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sed should be the method that the entity expects to provide the better prediction of the resolution of the uncertainty.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The interpretation will be applied to the accounting periods beginning on or after January 1, 2019.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Amended IAS 28 &amp;#8211; Long-term Interests&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt; in Associates and Joint Ventures&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments to IAS 28 clarify that an entity is required to apply IFRS 9 to long term interests in an associate or joint venture that, in substance, form part of the net investment in the associate or joint venture but &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to which the equity method is not applied.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments will be applied to the accounting periods beginning on or after January 1, 2019.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Annual improvements cycle to IFRSs 2015-2017&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The annual improvements cycle to IFRSs 2015-2017 includes minor changes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and clarifications to IFRS 3- Business Combinations, IFRS 11 &amp;#8211; Joint Arrangements, IAS 12 &amp;#8211; Income Taxes and IAS 23 &amp;#8211; Borrowing Costs, which will be applied to the accounting periods beginning on or after January 1, 2019, although early application is per&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;mitted.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Amended IAS 19 &amp;#8211; Plan Amendment, Curtailment or Settlement&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The small amendments in IAS 19 concern the cases if a plan is amended, curtailed or settled during the period. In these cases, an entity should ensure that the current service cost and the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;net interest for the period after the remeasurement are determined using the assumptions used for the remeasurement. In addition, amendments have been included to clarify the effect of a plan amendment, curtailment or settlement on the requirements regardi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng the asset ceiling.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments will be applied to the accounting periods beginning on or after January 1, 2019.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Amended IFRS 3 &amp;#8211; Definition of a business&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments clarify the difference between the acquisition of a business or the acquisition o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f a set of assets. To determine whether a transaction is an acquisition of a business, an entity should evaluate and conclude if the two following conditions are fulfilled:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:12pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the fair value of the acquired assets is not concentrated in one single asset or &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;group of similar assets.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:12pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the entirety of acquired activities and assets includes, as a minimum, an input and a substantial process which, together, contribute to the capacity to create products.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments will be applied to the accounting periods &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;beginning on or after January 1, 2020, although early application is permitted.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Amended IAS 1 and IAS 8 &amp;#8211; Definition of material&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments clarify the definition of material in the elaboration of the financial statements by aligning the definition of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the conceptual framework, IAS 1 and IAS 8 (which, before the amendments, included similar but not identical definitions). The new definition of material is the following: &amp;#8220;Information is material if omitting, misstating or obscuring it could reasonably be&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; expected to influence decisions that the primary users of general purpose financial statements make on the basis of those financial statements, which provide financial information about a specific reporting entity&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amendments will be applied to the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;accounting periods beginning on or after January 1, 2020, although early application is permitted.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.4    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Transition to IFRS 9 and condensed consolidated opening balance sheet as of January 1, 2018&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.4.1   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Transition to IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;As mentioned in the Notes &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;1.3, 2.2.1 and 2.3, IFRS 9 replaced IAS 39 for financial statements from January 1, 2018 onwards and includes new classification and measurement requirements for financial assets and liabilities, impairment requirements for financial assets and hedge accou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;nting policy.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;The application of this standard on January 1, 2018, had a significant impact on the consolidated financial statements of the Group at that date.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#006EC1;' &gt;Classification and measurement of financial instruments&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Financial assets&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;IFRS 9 has a new approach to classification and measurement of financial assets which is a mirror of the business model used for asset management purposes and its cash flow characteristics. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 contains three main categories for financial assets classi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;fication: valued at amortized cost, valued at fair value with changes in other accumulated comprehensive income, and valued at fair value through profit or loss. The standard eliminates the IAS 39 categories of held-to-maturity investments, loans and recei&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;vables, and available-for-sale financial assets.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The classification of financial instruments measured at amortized cost or fair value must be carried out on the basis of: the entity&amp;#39;s business model and the assessment of the contractual cash flow, commonly&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; known as the &amp;quot;solely payments of principle and interest&amp;quot; criterion (hereinafter, the SPPI). The purpose of the SPPI test is to determine whether in accordance with the contractual characteristics of the instrument its cash flows only represent the return &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the principal and interest, basically understood as consideration for the time value of money and the debtor&amp;#39;s credit risk.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A financial instrument will be classified in the amortized cost portfolio when it is managed with a business model whose purpose&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; is to maintain the financial assets to receive contractual cash flows, and passes the SPPI test. They will be classified in the portfolio of financial assets at fair value with changes in other comprehensive income if they are managed with a business mode&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;l whose purpose combines collection of the contractual cash flows and sale of the assets, and meets the SPPI test. They will be classified at fair value with changes in profit and loss provided that the entity&amp;#39;s business model for their management or the c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ontractual characteristics of its cash flows do not require classification into one of the portfolios described above.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group reviewed the existing business models in the geographic areas where it operates to establish classification in accordance with &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;IFRS 9, taking into account the special characteristics of the local structures and organizations, as well as the type of products.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group has defined criteria to determine the acceptable frequency and reasons for sales so that the instrument can remain&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in the category of held to collect contractual cash flows.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Regardless of the frequency and importance of the sales, some types of sales are not incompatible with the category of held to collect contractual flows: sales due to reduction in credit quality; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sales close to the maturity of transactions so that variations in market prices will not have a significant effect on the cash flows of the financial asset; sales in response to a change in regulations or in taxation; sales in response to an internal restr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ucturing or significant business combination; sales derived from the execution of a liquidity crisis plan when the crisis event is not reasonably foreseeable.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group segmented the portfolio of instruments for carrying out the SPPI test by differentiatin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;g products with standard contracts (all the instruments have identical contractual characteristics and are broadly used), for which the Group has carried out the SPPI test by reviewing the standard framework contract. For those products with similar, but n&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ot identical characteristics compliance has been assessed through a sampling exercise of contracts. All the financial instruments with specific contractual characteristics have been analyzed individually.  &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As a result of the analyses carried out on both t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he business model and the contractual characteristics, certain accounting reclassifications resulted affecting both financial assets and, as the case may be, financial liabilities related to those assets. In general, there is a greater volume of assets val&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ued at fair value with changes in the income statement and the valuation method of some instruments has also been changed according to the one that best reflects the business model to which they belong. Changes in the valuation model to avoid exceeding the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; criterion of solely payment of principal and interest are not significant.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2017, the Group had certain investments in financial instruments classified as available-for-sale which, in accordance with IFRS 9, the Group designated as finan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cial assets at fair value through other comprehensive income. As a result, all the gains and losses at fair value of these instruments are now reported in accumulated other comprehensive income. Impairment losses would not be recognized to profit and loss,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and gains or losses would not be reclassified to the income statement in the case of divestment. The remaining investments held by the Group as of December 31, 2017 in equity instruments classified as available-for-sale are now accounted for as fair value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; through changes in profit or loss.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Financial liabilities&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 largely maintains the requirements under IAS 39 for classifying financial liabilities. However, a new aspect introduced by IFRS 9 is the recognition of changes in the fair value of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;financial liabilities to which the fair value option is applied. In this case, the changes in the fair value attributable to the credit risk itself are recognized as other comprehensive income, while the rest of the variation is recognized in the income st&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;atement. In any case, the variation of credit risk itself may be recognized in the income statement if the treatment described above generates accounting asymmetry.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#006EC1;' &gt;Financial assets impairments&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 replaced the &amp;quot;incurred loss&amp;quot; model in IAS 39 with one &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of &amp;quot;expected credit loss&amp;quot;. The IFRS 9 impairment model is applied to financial assets valued at amortized cost and to financial assets valued at fair value through other comprehensive income, except for investments in equity instruments and contracts for f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;inancial guarantees and loan commitments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;unilaterally revocable by BBVA. Likewise, all the financial instruments valued at fair value with change through profit and loss are excluded from the impairment model&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The new standard classifies financial instrume&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nts into three categories, which depend on the evolution of their credit risk from the moment of initial recognition. The first category includes the transactions when they are initially recognized (Stage 1); the second comprises the financial assets for w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hich a significant increase in credit risk has been identified since its initial recognition (Stage 2) and the third one, the impaired financial assets (Stage 3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The calculation of the provisions for credit risk in each of these three categories must be d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;one differently. In this way, expected loss up to 12 months for the financial assets classified in the first of the aforementioned categories must be recorded, while expected losses estimated for the remaining life of the financial assets classified in the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; other two categories must be recorded. Thus, IFRS 9 differentiates between the following concepts of expected loss: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Expected loss at 12 months: expected credit loss that arises from possible default events within  12  months following the presentation da&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;te of the financial statements; and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Expected loss during the life of the transaction: this is the expected credit loss that arises from all possible default events over the remaining life of the financial instrument.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All this requires considerable judgment&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, both in the modeling for the estimation of the expected losses and in the forecasts, on how the economic factors affect such losses, which must be carried out o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n a weighted probability basis.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group has applied the following definitions in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;accordance with IFRS 9:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Default&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA has applied a definition of default for financial instruments that is consistent with that used in internal credit risk management, as well as the indicators under&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; applicable regulation at the date of implementation of IFRS 9. Both qualitative and quantitative indicators have been considered.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group has considered there is a default when one of the following situations occurs: &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ayment past-due for more than 90&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; days; or&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- there&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; are reasonable doubts regarding the full reimbursement of the instrument.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with IFRS 9, the 90-day past-due stipulation may be waived in cases where the entity considers it appropriate, based on reasonable and documented info&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rmation that it is appropriate to use a longer term. As of December 31, 2018, the Group has not considered periods higher than 90 days for any of the significant portfolios.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Credit impaired asset&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;An asset is credit-impaired according to IFRS 9 if one or &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset. Evidence that a financial asset is credit-impaired includes observable data about the following events:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- Significant &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;financial&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; difficulty of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;issuer or the borrower.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- A breach of contract (e.g. a default or past due event).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- A lender having granted a concession to the borrower &amp;#8211; for economic or contractual reasons relating to the borrower&amp;#8217;s financial difficulty &amp;#8211; that the lender would not othe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rwise consider.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- It becoming probable that the borrower will enter bankruptcy or other financial reorganization.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- The disappearance of an active market for that financial asset because of financial difficulties.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- The purchase or origination of a financi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;al asset at a deep discount that reflects the incurred credit losses.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;It may not be possible to identify a single discrete event. Instead, the combined effect of several events may cause financial assets to become credit-impaired.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The definition of impaire&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d financial assets in the Group is aligned with the definition of default explained in the above paragraphs.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Significant increase in credit risk &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The objective of the impairment requirements is to recognize lifetime expected credit losses for financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;instruments for which there have been significant increases in credit risk since initial recognition considering all reasonable and supportable information, including&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; that which is forward-looking.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The model developed by the Group for assessing the signif&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;icant increase in credit risk has a two-prong approach that is applied globally, although the specific characteristics of each geographic area are respected:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Quantitative criterion: the Group uses a quantitative analysis based on comparing the current ex&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;pected probability of default over the life of the transaction with the original adjusted expected probability of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, so that both values are comparable in terms of expected default probability for their residual life. The thresholds used for consider&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ing a significant increase in risk take into account special cases according to geographic areas and portfolios. Depending on how old current financial assets are, at the time implementation of the standard, some simplification has been made to compare the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; probabilities of default between the current and the original moment, based on the best information available at that moment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Qualitative criterion: most indicators for detecting significant risk increase are included in the Group&amp;#39;s systems through rati&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng/scoring systems or macroeconomic scenarios, so quantitative analysis covers the majority of circumstances. The Group will use additional qualitative criteria when it considers it necessary to include circumstances that are not reflected in the rating/sc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ore systems or macroeconomic scenarios used. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, instruments under one of the following circumstances are considered Stage 2:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;More than 30 days past due. According to IFRS 9, default of more than 30 days is a presumption that can be rebutted i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n those cases in which the entity considers, based on reasonable and documented information, that such non-payment does not represent a significant increase in risk. As of December 31, 2018, the Group has not considered periods superior to 30 days for any &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the significant portfolios.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Watch list: They are subject to special watch by the Risks units because they show negative signs in their credit quality, even though there may be no objective evidence of impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Refinance or res&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tructuring that does&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; not show evidence of impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Although the standard introduces a series of operational simplifications or practical solutions for analyzing the increase in significant risk, the Group does not expect to use them as a general rule. However, for high-qua&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;lity assets, mainly related to certain government institutions and bodies, the standard allows for considering that their credit risk has not increased significantly because they have a low credit risk at the presentation date.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Thus the classification of f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;inancial instruments subject to impairment under the new IFRS 9 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Stage 1&amp;#8211; without significant increase in credit risk&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,45pt;' &gt;Financial assets which are not considered to have significantly increased in credit risk have loss allowances measured at an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; amount equal to 12&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; months expected credit losses.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Stage 2&amp;#8211; significant increases in credit risk&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,4pt;' &gt;When the credit risk of a financial asset has increased significantly since the initial recognition, the impairment losses of that financial instrument is calc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ulated as the expected credit loss during the entire life of the asset.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Stage 3 - Impaired&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,45pt;' &gt;When there is objective evidence that the instrument is credit impaired, the financial asset is transferred to this category &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in which the provision for losses of th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;at financial instrument is calculated as the expected credit loss &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;during the entire life of the asset.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Method for calculating expected loss&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with IFRS 9, the measurement of expected losses must reflect:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A considered and unbiased amount, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;determined by evaluating a range of possible results.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The time value of money.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Reasonable and supportable information that is available without undue cost or effort and that reflects current conditions and forecasts of future economic conditions. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Grou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;p measures the expected losses both individually and collectively. The purpose of the Group&amp;#39;s individual measurement is to estimate expected losses for significant impaired instruments, or instruments classified in Stage 2. In these cases, the amount of cr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;edit losses is calculated as the difference between expected discounted cash flows at the effective interest rate of the transaction and the carrying amount of the instrument. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For the collective measurement of expected losses the instruments are grouped i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nto groups of assets based on their risk characteristics. Exposure within each group is segmented according to the common credit risk characteristics, similar characteristics of the credit risk, indicative of the payment capacity of the borrower in accorda&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nce with their contractual conditions. These risk characteristics have to be relevant in estimating the future flows of each group. The characteristics of credit risk may consider, among others, the following factors:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Type of instrument.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Rating or scoring &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tools.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Credit risk scoring or rating.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Type of collateral.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Amount of time at default for stage 3.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Segment.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Qualitative criteria which can have a significant increase in risk.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Collateral value if it has an impact on the probability of a default event.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The es&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;timated losses are derived from the following parameters:&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;PD: estimate of the probability of default in each period.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;EAD: estimate of the exposure in case of default at each future period, taking into account the changes in exposure after the presentation &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;date of the financial statements. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;LGD:  estimate of the loss in case of default, calculated as the difference between the contractual cash flows and receivables, including guarantees. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of debt securities, the Group supervises the changes in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;credit risk through monitoring the external published credit ratings.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;To determine whether there is a significant increase in credit risk that is not reflected in the published ratings, the Group has also revised the changes in bond yields, and when they &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;are available, the prices of CDS, together with the news and regulatory information available on the issuers.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Use of present, past and future information&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 requires incorporation of present, past and future information to detect any significant increa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;se in risk and measure expected loss.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The standard does not require identification of all possible scenarios for measuring expected loss. However, the probability of a loss event occurring and the probability it will not occur will also have to be &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;considered, even though the possibility of a loss may be very small. Also, when there is no linear relation between the different future economic scenarios and their associated expected losses, more than one future economic scenario mu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;st be used for the me&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;asurement.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The approach used by the Group consists of using first the most probable scenario (baseline scenario) consistent with that used in the Group&amp;#39;s internal management processes, and then applying an additional adjustment, calculated by considering t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he weighted average of expected losses in other economic scenarios (one more positive and the other more negative). The main macroeconomic variables that are valued in each of the scenarios for each of the geographies in which the Group operates are GDP, t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ax rates, unemployment rate and LTV.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.4.2   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Condensed consolidated opening balance sheet as of January 1, 2018&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Condensed Consolidated balance sheets (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;December 2017 IAS 39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Classification and measurement of financial instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Opening balance sheet 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42.680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42.680&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64.695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27.159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;91.854&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35.265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35.265&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.849&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22.573&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;245&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;245&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14.895&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14.895&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12.026&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.451&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.451&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.690)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;62.107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;62.115&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.761&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.761&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59.293&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59.301&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;140&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Available for sale financial assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;69.476&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(69.476)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;431.521&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(8.680)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.158)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;421.685&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10.339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;29.959&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(245)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.055&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(15.622)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10.661&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;387.621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(12.435)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.177)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;374.009&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Held to maturity investments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.754&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(13.754)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging derivatives &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.485&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Joint ventures, associates and unconsolidated subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.588&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.589&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Insurance and reinsurance assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;421&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;421&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.191&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Intangible assets &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8.464&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8.464&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16.888&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17.296&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other assets &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.359&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.359&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Non-current assets and disposal groups held for sale &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.853&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.832&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;690.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(770)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;689.414&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The change registered in the heading &amp;#8220;Financial assets held for trading&amp;#8221; is mainly due &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;assets affected by the activity of Global Markets, which are reclassified from &amp;quot;Financial assets at amortized cost&amp;quot;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The change registered in the heading &amp;quot;Available for sale financial assets&amp;quot; are mainly due to the reclassification to the new heading &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;quot;Financial assets at fair value through other comprehensive income&amp;quot;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The change registered in the heading &amp;#8220;Financial assets at amortized cost&amp;#8221; is mainly due &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to the reclassification to the item &amp;quot;Financial assets held for trading&amp;quot;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;LIABILITIES AND EQUITY&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;December 2017 IAS 39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Classification and measurement of financial instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Opening balance sheet 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46.182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34.601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;80.783&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.495&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;543.713&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(37.595)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;506.118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Deposits from central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;37.054&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3.261)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33.793&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Deposits from credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54.516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(19.381)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35.135&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Customer Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;376.379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(12.690)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;363.689&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;63.915&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2.266)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;61.649&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11.850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11.851&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(112)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.768&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Liabilities under insurance and reinsurance contracts &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9.223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9.223&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Provisions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.602&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Tax liabilities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.298&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.291&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other liabilities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.550&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Liabilities included in disposal groups classified as held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17.197&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17.188&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;636.736&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;637.010&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;SHAREHOLDERS&amp;#8217; FUNDS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;53.283&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(923)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;52.432&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Capital&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Share premium&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.992&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.992&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Retained earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.612&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(923)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22.760&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Revaluation reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Less: Treasury shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(96)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(96)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Profit or loss attributable to owners of the parent&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.519&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Less: Interim dividends&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.043)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.043)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(6.939)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7.036)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;MINORITY INTERESTS (NON-CONTROLLING INTEREST)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.979&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.008&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL EQUITY&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;53.323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(902)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;52.404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL EQUITY AND TOTAL LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;690.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(770)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;689.414&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The change registered in the heading &amp;#8220;Financial liabilities held for trading&amp;#8221; is mainly &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;due to financial liabilities affected by the activity of Global Markets, which are reclassified from &amp;quot;Financial liabilities at amortized cost&amp;quot;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hange registered in the heading &amp;#8220;Financial liabilities at amortized cost&amp;#8221; is mainly &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;due to the reclassification to &amp;quot;Liabilities held for trading&amp;quot;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory>
  <bbva:Disclosureofentityinformationaexplanatory id="ID_10" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;3.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;BBVA Group&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group is an international diversified financial group with a &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;significant presence in retail banking, wholesale banking, asset management and private banking&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. The Group also operates in other &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sectors such as insurance, real estate, operational leasing, etc.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following information is detailed in the Appendices of the Consolidated Financial Statements of the Group:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Appendix I shows relevant information related to the consolidated subsidiaries &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;and structured entities.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Appendix II shows relevant information related to investments in subsidiaries, joint ventures and associates accounted for using the equity method. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Appendix III shows the main changes and notification of investments and divestment&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;s in the BBVA Group.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Appendix IV shows fully consolidated subsidiaries with more than 10% owned by non-Group shareholders&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following table sets forth information related to the Group&amp;#8217;s total assets as of December 31, 2018, 2017 and 2016, broken down by&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the Group&amp;#8217;s entities according to their activity:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Contribution to Consolidated Group Total Assets. Entities by Main Activities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Banks and other financial services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;647.164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;659.414&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;699.592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance and pension fund managing companies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.732&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.831&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other non-financial services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;676.689&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;690.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;731.856&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The total assets and results of operations broken down by the geographical areas, in which the BBVA Group operates, are included in Note 6.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The BBVA Group&amp;#8217;s activities are mainly &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;located in Spain, Mexico, South America, the United States and&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Turkey, with active presence in other countries&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, as shown below:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#8217;s activity in Spain is mainly through Banco Bilbao Vizcaya Argentaria, S.A., which is the parent company of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;BBVA Group. The Group also has other entities that operate in Spain&amp;#8217;s banking sector, insurance sector, real estate sector, services and as operational leasing entities.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;M&amp;#233;xico&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;The BBVA Group operates in Mexico, not only in the banking sector, but also in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;the insurance sector through Grupo Financiero Bancomer.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;South&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; America&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;Group&amp;#8217;s activities in South America are mainly focused on the banking, financial and insurance sectors, in the following countries: Argentina, Chile, Colombia, Peru, Paraguay, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;Uruguay and Venezuela. It has a representative office in Sao Paulo (Brazil).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;The Group owns more&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; than 50% of most of the entities based in these countries. Appendix I shows a list of the entities which, although less than 50% owned by the BBVA Group as of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;December 31, 2018, are consolidated (see Note 2.1).&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#8217;s activity in the United States is mainly carried out through a group of entities with BBVA Compass Bancshares, Inc. at their head, as well as, the New York BBVA branch and a r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;epresentative office in Silicon Valley (California).&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;The Group&amp;#8217;s activity in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Turkey&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; is mainly carried out through the Garanti Group.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#8217;s activity in Europe is carried out through banks and financial institutions in Ireland, S&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;witzerland, Italy, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;Netherlands&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, Finland and Romania, branches in Germany, Belgium, France, Italy Portugal and the United Kingdom, and a representative office in Moscow.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Asia-Pacific&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;The Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8217;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;s activity in this region is carried out through branches (in Ta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;ipei, Tokyo, Hong Kong &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Singapore&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; and Shanghai) and representative offices (in Beijing, Seoul, Mumbai, Abu Dhabi and Jakarta).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;text-decoration:underline;margin-left:0pt;color:#094FA4;' &gt;Main transactions in the Group in 2018&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0070C0;' &gt;Divestitures &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#009EE5;' &gt;Sale of BBVA&amp;#8217;s stake in BBVA Chile&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On November 28, 2017, BBVA received a &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;binding offer (the &amp;#8220;Offer&amp;#8221;) from The Bank of Nova Scotia group (&amp;#8220;Scotiabank&amp;#8221;) for the acquisition of BBVA&amp;#8217;s stake in Banco Bilbao Vizcaya Argentaria Chile, S.A. (&amp;#8220;BBVA Chile&amp;#8221;) as well as in other companies of the Group in Chile with operations that are com&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;plementary to the banking business (amongst them, BBVA Seguros Vida, S.A.). &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;BBVA owned approximately, directly and indirectly, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;68.19% of BBVA Chile share capital&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. On December 5, 2017, BBVA accepted the Offer and entered into a sale and purchase agreement a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nd the sale was completed on July 6, 2018. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The consideration received in cash by BBVA as consequence of the referred sale amounts to, approximately, USD &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2,200&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million. The transaction results in a capital gain, net of taxes, of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;633&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, which was rec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ognized in 2018.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#009EE5;' &gt;Agreement for the creation of a joint-venture and transfer of the Real - Estate business in Spain&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On November 29, 2017, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;BBVA reached an agreement with a subsidiary of Cerberus Capital Management, L.P. (&amp;#8220;Cerberus&amp;#8221;) for the creation of a &amp;#8220;j&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;oint venture&amp;#8221; to which an important part of the real estate business of BBVA in Spain is transferred (the &amp;#8220;Business&amp;#8221;).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Business comprises: (i) foreclosed real estate&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; assets (the &amp;#8220;REOs&amp;#8221;), with a gross book value of approximately &amp;#8364;13,000 million, taking as starting point the position of the REOs as of June 26, 2017; and (ii) the necessary assets and employees to manage the Business in an autonomous manner. For the purpo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;se of the agreement with Cerberus, the whole Business was valued at approximately &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;5,000&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On October 10, 2018, after obtaining all required authorizations, BBVA completed the transfer of the real estate business in Spain. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Closing of the transaction&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; has resulted in the sale of 80% of the share capital of the company Divarian Propiedad, S.A. to an entity managed by Cerberus&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Divarian is the company to which the BBVA Group has contributed the Business provided that the effective transfer of several rea&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;l estate assets (REO&amp;#180;s) remains subject to the fulfilment of certain conditions precedent. The final price payable by Cerberus will be adjusted depending on the volume of REO&amp;#180;s effectively contributed.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, the transaction did not have &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;a significant impact on BBVA Group&amp;#8217;s attributable profit or the Common Equity Tier 1 (fully loaded).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;text-decoration:underline;margin-left:0pt;color:#094FA4;' &gt;Main transactions in the Group in 2017&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0070C0;' &gt;Investments&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt; On February 21, 2017, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;BBVA Group entered into an agreement for the acquisition from Dogus Holding A.S. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;and Dogus Arastirma Gelistirme ve Musavirlik Hizmetleri A.S of 41,790,000,000 shares of Turkiye Garanti Bankasi, A.S. (&amp;#8220;Garanti Bank&amp;#8221;)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, amounting to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;9.95%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of the total issued share capital of Garanti Bank. On March 22, 2017, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the sale and purchase agreement&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; was completed, and therefore BBVA&amp;#180;s total stake in Garanti Bank as of December 31, 2017 amounts to 49.85%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; (See Note 31).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;text-decoration:underline;margin-left:0pt;color:#094FA4;' &gt;Main transactions in the Group in 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0070C0;' &gt;Mergers&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group, at its Board of Directors meeting held on March 31, 2016, adopted a res&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;olution to begin a merger process of BBVA S.A. (absorbing company), Catalunya Banc, S.A., Banco Depositario BBVA, S.A. y Unoe Bank, S.A.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This transaction was part of the corporate reorganization of its banking subsidiaries in Spain, was successfully comple&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ted throughout 2016 and has no impact in the Consolidated Financial Statements both from the accounting and the solvency stand points.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofentityinformationaexplanatory>
  <bbva:Disclosureshareholderremunerationsystemexplanatory id="ID_11" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;4.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Shareholder remuneration system&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA&amp;#8217;s shareholder remuneration policy communicated in October 2013 established the distribution of an annual pay-out of between 35% and 40% of the profits earned in each year and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the progressive reduction of the remuneration via &amp;#8220;Dividend Options&amp;#8221;, so that the shareholders&amp;#8217; remuneration would ultimately be fully in cash. As announced on February 1, 2017, BBVA&amp;#8217;s Board of Directors executed a capital increase to be charged to volunta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ry reserves for the instrumentation of the last &amp;#8220;Dividend Option&amp;#8221;, being the subsequent shareholders&amp;#8217; remunerations fully in cash, dated March 29, 2017&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This fully &amp;#8211; in - cash shareholders&amp;#8217; remuneration policy would be composed, for each year, of a distri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;bution on account of the dividend of such year (expected to be paid in October) and a final dividend (which would be paid once the year has ended and the profit allocation has been approved, expected for April), subject to the applicable authorizations by &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the competent governing bodies.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Shareholder remuneration scheme &amp;#8220;Dividend Option&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During 2012, 2013, 2014, 2015, 2016 and 2017, the Group implemented a shareholder remuneration system referred to as &amp;#8220;Dividend Option&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Under such remuneration scheme, BBVA &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;offered its shareholders the possibility to receive all or part of their remuneration in the form of newly-issued BBVA ordinary shares, whilst maintaining the possibility for BBVA shareholders to receive their entire remuneration in cash by selling the rig&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hts of free allocation assigned either to BBVA (in execution of the commitment assumed by BBVA to acquire the rights of free allocation at a guaranteed fixed price) or by selling the rights of free allocation on the market at the prevailing market price at&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; that time. However, the execution of the commitment assumed by BBVA was only available to whoever had been originally assigned such rights of free allocation and only in connection with the rights of free allocation initially allocated at such time.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On Ma&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rch 29, 2017, BBVA&amp;#8217;s Board of Directors resolved to execute the capital increase to be charged to voluntary reserves approved by the Annual General Meeting (&amp;#8220;AGM&amp;#8221;) held on March 17, 2017, under agenda item three, to implement a &amp;#8220;Dividend Option&amp;#8221; this year.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; As a result of this increase, the Bank&amp;#8217;s share capital increased by &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;49,622,955.62 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;through the issuance of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;101,271,338&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; newly-issued BBVA ordinary shares at &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;0.49&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; euros par value, given that &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;83.28%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of owners of the rights of free allocation opted to receive&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; newly issued BBVA ordinary shares. The remaining &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;16.72%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of the owners of the rights of free allocation exercised the commitment assumed by BBVA, and as a result, BBVA acquired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,097,962,903&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; rights (at a gross price of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;0.131&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; each) for a total amount of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;43,833,140.29&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. This amount is recorded in &amp;#8220;Total Equity-Dividends and Remuneration&amp;#8221; of the consolidated balance sheet as of December 31, 2017 (see Note 26).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On September, 28 2016, BBVA&amp;#8217;s Board of Directors resolved to execute the second of the share capita&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;l increases to be charged to voluntary reserves, as agreed by the AGM held on March 11, 2016. As a result of this increase, the Bank&amp;#8217;s share capital increased by &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;42,266,085.33&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; through the issuance of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;86,257,317&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; newly-issued BBVA ordinary shares at &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;0.49&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; eu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ros par value, given that &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;87.85%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of owners of the rights of free allocation opted to receive newly-issued BBVA ordinary shares. The remaining &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;12.15%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of the owners of the rights of free allocation exercised the commitment assumed by BBVA, and as a result, B&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;BVA acquired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;787,374,942&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; rights (at a gross price of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;0.08&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; each) for a total amount of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;62,989,995.36&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. This amount is recorded in &amp;#8220;Total Equity-Dividends and Remuneration&amp;#8221; of the consolidated balance sheet as of December 31, 2016 (see Note 26).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On March 3&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1, 2016, BBVA&amp;#8217;s Board of Directors resolved to execute the first of the share capital increases to be charged to voluntary reserves, as agreed by the AGM held on March 11, 2016 for the implementation of the shareholder remuneration system called the &amp;#8220;Divid&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;end Option&amp;#8221;. As a result of this increase, the Bank&amp;#8217;s share capital increased by &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;55,702,125.43&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; through the issuance of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;113,677,807&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; newly-issued BBVA ordinary shares at a &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;0.49&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; par value, given that &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;82.13%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of owners of the rights of free allocation opted t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;o receive newly-issued BBVA ordinary shares. The remaining &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;17.87%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of the owners of the rights of free allocation exercised the commitment assumed by BBVA, and as a result, BBVA acquired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,137,500,965&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; rights (at a gross price of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;0.129&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; each) for a total amo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;unt of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;146,737,624.49&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. This amount is recorded in &amp;#8220;Total Equity- Dividends and Remuneration&amp;#8221; of the consolidated balance sheet as of December 31, 2016 (see Note 26).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Cash Dividends&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Throughout 2016, 2017 and 2018, BBVA&amp;#8217;s Board of Directors approved the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;payment of the following dividends (interim or final dividends) fully in cash, recorded in &amp;#8220;Total Equity- Interim Dividends&amp;#8221; of the consolidated balance sheet of the relevant year:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The Board of Directors, at its meeting held on June 22, 2016, approved the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; payment in cash of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;0.08&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; (&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;0.0648&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; net of withholding tax) per BBVA share as the first gross interim dividend against 2016 results. The total amount paid to shareholders on July 11, 2016, after deducting treasury shares held by the Group&amp;#39;s companies, amoun&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;517&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million and is recognized under the headings &amp;#8220;Total Equity- Interim Dividends&amp;#8221; of the consolidated balance sheet as of December 31, 2016.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The Board of Directors, at its meeting held on December 21, 2016, approved the payment in cash of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;0.08&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; (&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;0.0648&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; withholding tax) per BBVA share, as the second gross interim dividend against 2016 results. The total amount paid to shareholders on January 12, 2017, after deducting treasury shares held by the Group&amp;#8217;s Companies, amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;525&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million and is rec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ognized under the heading &amp;#8220;Total Equity- Interim Dividends&amp;#8221; of the consolidated balance sheet as of December 31, 2016.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The Board of Directors, at its meeting held on September 27, 2017, approved the payment in cash of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;0.09&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; (&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;0.0729&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; net of withholding tax) per BBVA share, as the first gross interim dividend against 2017 results. The total amount paid to shareholders on October 10, 2017, after deducting treasury shares held by the Group&amp;#39;s companies, amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;599&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million and is rec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ognized under the heading &amp;#8220;Total Equity- Interim Dividends&amp;#8221; of the consolidated balance sheet as of December 31, 2017.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The Annual General Meeting of BBVA held on March 16, 2018 approved, under item 1 of the Agenda, the payment of a final dividend for 2017,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; in addition to other dividends previously paid, in cash for an amount equal to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;0.15&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; (&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;0.1215&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; net of withholding tax) per BBVA share. The total amount paid to shareholders on April 10, 2018, after deducting treasury shares held by the Group&amp;#8217;s companies, a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;mounted &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;996&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million and is recognized under heading &amp;#8220;Total Equity-  Final Dividends&amp;#8221; of the consolidated balance sheet as of December 31, 2018. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The Board of Directors, at its meeting held on September 26, 2018, approved the payment in cash of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;0.10&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; (&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;0.0&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;81&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; net of withholding tax rate of 19%) per BBVA share, as gross interim dividend based on 2018 results. The total amount paid to shareholders on October 10, 2018, after deducting treasury shares held by the Group&amp;#180;s companies, amounted &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;663&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million and is r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ecognized under heading &amp;#8220;Total Equity-  Interim Dividends&amp;#8221; of the consolidated balance sheet as of December 31, 2018.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The interim accounting statements prepared in accordance with legal requirements evidencing the existence of sufficient liquidity for the distribution of the amounts agreed on September 26, 2018, mentioned above are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Available Amount for Interim Dividend Payments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;August, 31, 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Profit  of BBVA, S.A., after the provision for income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.462&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:432,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Additional Tier I capital instruments remuneration&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;236&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Maximum amount distributable&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2.226&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Amount of proposed interim dividend&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;667&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;BBVA cash balance available to the date&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4.577&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Proposal on allocation of earnings for 2018&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The allocation of earnings for 2018 subject to the approval of the Board of Directors at the Annual Shareholders Meeting is presented below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Allocation of Earnings (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25,15pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Profit for year (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2.316&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Distribution:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interim dividends&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;667&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Final dividend&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.067&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additional Tier 1 securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;313&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Voluntary reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;margin-left:0pt;' &gt;(*)  Net income of BBVA, S.A.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureshareholderremunerationsystemexplanatory>
  <ifrs-full:EarningsPerShareExplanatory id="ID_12" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;5.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Earnings per share&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Basic and diluted earnings per share are calculated in accordance with the criteria established by IAS 33. For more information see Glossary of terms.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The calculation of earnings per share is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Basic and Diluted Earnings per Share&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Numerator for basic and diluted earnings per share (millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Profit attributable to parent company&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.324&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,15pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Adjustment: Additional Tier 1 securities (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(313)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(301)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(260)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Profit adjusted (millions of euros) (A)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5.011&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.218&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.215&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Weighted average number of shares outstanding (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.468&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Weighted average number of shares outstanding x corrective factor (3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Adjusted number of shares - Basic earning per share (C)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Adjusted number of shares - diluted earning per share  (D)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Earnings per share (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Basic earnings per share from continued operations (Euros per share)A-B/C&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Diluted earnings per share from continued operations (Euros per share)A-B/D&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Remuneration in the year related to contingent convertible securities, recognized in equity (see Note 22.4).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Weighted average number of shares outstanding (millions of euros), excluding weighted average of treasury shares during the period.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(3)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Corrective factor, due to the capital increase with pre-emptive subscription right, applied for the previous years.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;As of December 31, 2018 the weighted average number of shares outstanding was 6,668 million (6,642 and 6,468 million as of December 31&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, 2017 and 2016, respectively) and the adjustment of additional Tier 1 securities amounted to &amp;#8364;313 million (&amp;#8364;301 and &amp;#8364;260 million as of December 31, 2017 and 2016, respectively).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, there were no other financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;instruments or share option commitments to employees that could potentially affect the calculation of the diluted earnings per share for the years presented.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; For this reason, basic and diluted earnings per share are the same.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:EarningsPerShareExplanatory>
  <ifrs-full:DisclosureOfFinancialRiskManagementExplanatory id="ID_13" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;7.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Risk management&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.1   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;General risk management and control model&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group has an overall risk management and control model (hereinafter &amp;#39;the model&amp;#39;) tailored to its business model, its organization and the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;geographies in which it operates, This model allows BBVA Group to develop its activity in accordance with the risk strategy and risk controls and management policies defined by the governing bodies of the Bank and to adapt to a changing economic and regula&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tory environment, tackling risk management globally and adapted to the circumstances at all times. The model establishes a system of appropriate risk management regarding risk profile and strategy of the Group.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This model is applied comprehensively in the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Group and consists of the basic elements listed below:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Governance and organization. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Risk Appetite Framework.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Decisions and processes.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Assessment, monitoring and reporting.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Infrastructure. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:2,85pt;' &gt;The Group promotes the development&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of a risk culture which aims to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; ensure &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;consistent application of the risk management and control model i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n the Group, so&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; that the risk function is understood and assimilated at all levels of the organization.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.1.1   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Governance and organization&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA Group&amp;#180;s risk governance model is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;characterized by a special involvement of its corporate bodies, both in setting the risk strategy and in the ongoing monitoring and supervision of its implementation.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Thus, as developed below, the corporate bodies are the ones that approve this risk strate&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;gy and corporate policies for the different types of risk. The risk function is responsible at management level for their implementation and development, and reporting to the governing bodies.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The responsibility for the daily management of the risks lies o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n the businesses which abide in the development of their activity to meet the policies, rules, procedures, infrastructures and controls, which are defined by the function risk on the basis of the framework set by the governing bodies.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;To perform this task &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;properly, the risk function in the BBVA Group is configured as a single, global function with an independent role from commercial areas.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Corporate bodies&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Board of Directors (hereinafter also referred to as &amp;quot;the Board&amp;quot;) approves the risk strategy a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nd oversees the internal management and control systems. Specifically, in relation to the risk strategy, the Board approves the Group&amp;#39;s risk appetite statement, the core metrics (and their statements) and the main metrics by type of risk, as well as the ge&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;neral risk management and control model.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Board of Directors is also responsible for approving and monitoring the strategic and business plan, the annual budget and management goals, as well as the investment and funding policy, in a consistent way and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in line with the approved Risk Appetite Framework. For this reason, the processes for defining the Risk Appetite Framework proposals and the strategic and budgetary planning at Group level are coordinated by the executive areas for submission to the Board.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the aim of integrating&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the Risk Appetite Framework into management, on the basis established by the Board of Directors, the Executive Committee approves the metrics by type of risk in relation to profitability and income recurrence and the Group&amp;#39;s ba&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sic structure of limits by geographical area, risk type, asset type and portfolio level. This committee also approves specific corporate policies for each type of risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Lastly, the Board has set up a Board committee specialized in risks, the Risk Committee&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, that assists the Board and the Executive Committee in determining the Group&amp;#39;s risk strategy and the risk limits and policies, respectively, analyzing and assessing beforehand the proposals submitted to those bodies. The Board of Directors has the exclusi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ve authority to amend the Group&amp;#8217;s risk strategy and its elements, including the Risk Appetite Framework metrics within its scope of decision, while the Executive Committee is responsible for amending the metrics by type of risk within its scope of decision&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and the Group&amp;#39;s basic structure of limits (core limits), when applicable. In both cases, the amendments follow the same decision-making process described above, so the proposals for amendment are submitted by the executive area (Chief Risk Officer, &amp;#8220;CRO&amp;#8221;)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and analyzed by the Risk Committee, for later submission to the Board of Directors or to the Executive Committee, as appropriate.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Moreover, the Risk Committee, the Executive Committee and the Board itself conduct adequate monitoring of the risk strategy i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;mplementation and of the Group&amp;#39;s risk profile. The risk function regularly reports on the development of the Group&amp;#39;s Risk Appetite Framework metrics to the Board and to the Executive Committee, after the analysis by the Risk Committee, whose role in this m&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;onitoring and control work is particularly relevant.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Risk Function: CRO. Organizational structure and committees&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The head of the risk function at executive level is the Group&amp;#8217;s CRO, who carries out his functions independently and with the necessary authori&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ty, rank, experience, knowledge and resources. He is appointed by the Board as a member of its senior management and has direct access to its corporate bodies (Board, Executive Standing Committee and Risk Committee), to whom he reports regularly on the sta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tus of risks in the Group. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The CRO is supported in the exercise of his functions by a structure consisting of cross-sectional risk units in the corporate area and the specific risk units in the geographical and/or business areas of the Group. Each of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;latter units is headed by a Chief Risk Officer for the geographical and/or business area who, within his/her area of responsibility, carries out risk management and control functions and is responsible for applying the corporate policies and rules approved&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; at Group level in a consistent manner, adapting them if necessary to local requirements and reporting to the local corporate bodies. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Chief Risk Officers of the geographical and/or business areas report both to the Group&amp;#39;s CRO and to the head of their&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; geographical and/or business area. The aim of this dua&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;l reporting system is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;that the local risk management function is independent from the operating functions and enable its alignment with the Group&amp;#39;s corporate risk policies and goals.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;margin-left:0pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;As explained above, the risk management function consists of risk units from the corporate area, which carry out cross-sectional functions, and risk units from the geographical and/or business areas. &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The corporate area&amp;#39;s risk units develop and submit to t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he Group CRO the proposal for the Group&amp;#39;s Risk Appetite Framework, the corporate policies, rules and global procedures and infrastructures within the framework approved by t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he corporate bodies; they monitor&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; their application and report either directly or t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;hrough the CRO to the Bank&amp;#39;s corporate bodies. Their functions include:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:53,4pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Management of the different types of risks at Group level in accordance with the strategy defined by the corporate bodies. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:53,4pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Risk planning aligned with the risk appetite framework p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rinciples defined by the Group.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:53,4pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Monitoring and control of the Group&amp;#39;s risk profile in relation to the risk appetite framework approved by the Bank&amp;#39;s corporate bodies, providing accurate and reliable information with the required frequency and in the nece&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ssary format.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:53,4pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Prospective analyses to enable an evaluation of compliance with the risk appetite framework in stress scenarios and the analysis of risk mitigation mechanisms. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:53,4pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Management of the technological and methodological developments required for &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;implementing the Model in the Group.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:53,4pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Design of the Group&amp;#39;s Internal Control model and definition of the methodology, corporate criteria and procedures for identifying and prioritizing the risk inherent in each unit&amp;#39;s activities and processes.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:53,4pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Validatio&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;n of the models used and the results obtained by them in order to verify their adaptation to the different uses to which they are applied.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The risk units in the business units develop and present to the Chief Risk Officer of the geographical and/or busines&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;s area the risk appetite framework proposal applicable in each geographical and/or business area, independently and always within the Group&amp;#39;s strategy/Risk Appe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tite Framework. They also monitor&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; that the corporate policies and rules are approved and applied&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; consistently at a Group level, adapting them if necessary to local requirements; that they are provided with appropriate infrastructures for management and control of their risks, within the global risk infrastructure framework defined by the corporate ar&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;eas; and that they report to their corporate bodies and/or to senior management, as appropriate.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The local risk units thus work with the corporate area risk units in order to adapt to the risk strategy at Group level and share all the information necessary for monitoring the development of their risks. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The risk function has a decision-making process &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to perform its functions, underpinned by a structure of committees, where the Global Risk Management Committee (GRMC) acts as the top-level committee within the risk function. It proposes, examines and, where applicable, approves, among others, the interna&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;l risk regulatory framework and the procedures and infrastructures needed to identify, assess, measure and manage the material risks faced by the Group in carrying out its business, and the determination of risk limits by portfolio. The members of this Com&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;mittee are the Group&amp;#39;s CRO&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, the Heads of the main Areas of the GRM Front, the Heads of GRM Corporate Discipline Units and the Head of Risk Management Group of GRM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The GRMC carries out its functions assisted by various support committees which include: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;G&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;lobal Credit Risk Management Committee: It is responsible for analyzing and decision-making related to wholesale credit risk admission.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Wholesale Credit Risk Management Committee: its purpose is the analysis and decision-making regarding the admission of w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;holesale credit risk of certain customer segments of the BBVA Group.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Work Out Committee: &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;its purpose is to be informed about decisions taken under the delegation framework regarding risk proposals concerning clients on Watch List and clients classified as &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;NPL of certain customer segments of the BBVA Group, as well the sanction of proposals regarding entries, exits and changes of Watch List, entries and exits in non-performing unlikely to pay and turns to written off&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Asset Allocation Committee: The executiv&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e authority responsible for analyzing and deciding on credit risk issues related to processes aimed at achieving a portfolios combination and composition that, under the restrictions imposed by the Risk Appetite framework, allows to maximize the risk adjus&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ted return on equity.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Risk Models Management Committee: It ensures an appropriate decision-making process regarding the planning, development, implementation, use, validation and monitoring of the  models required to achieve an appropriate management of th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e Model Risk in  the BBVA Group.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Global Markets Risk Unit Global Committee: It is responsible for formalizing, supervising and communicating the monitoring of trading desk risk in all the Global Markets business units, as well as coordinating and approving&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; GMRU key decisions activity, and developing and proposing to GRMC the co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rporate regulation of the unit.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Operational Risk and Product Governance Corporate Admission Committee: It identifies, analyzes and assesses the operational risks associated initiative&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;s related with new business, products or &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;services, outsourcing, process transformation and new systems, prior to its launch. As well, it will verify that Product Governance normative requirements are met and will decide about the insurance scheme (global p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;olicies). &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Retail Credit Risk Committee: It &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;provides&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; for the analysis, discussion and decision support on all issues regarding the retail credit risk management that impact or potentially do in the practices, processes and corporate metrics established in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the Policies, Rules and Operating Frameworks.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Asset Management Global Risk Steering Committee: its purpose is to develop and coordinate the strategies, policies, procedures, and infrastructure necessary to identify, assess, measure and manage the material &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;risks facing the bank in the operation of businesses linked to BBVA Asset Management.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Global Insurance Risk Committee: its purpose is to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;monitor&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; and promote the alignment and the communication between all the Insurance Risk Units in the BBVA Group. It will&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; do this by promoting the application of standardized principles, policies, tools and risk metrics in the different regions with the aim of maintaining proper integration of insurance risk management in the Group.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;COPOR: its purpose is to analyze and make &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;decision in relation to the operations of the various geographies in which Global Markets is present.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Each geographical and/or business area has its own risk management committee (or committees), with objectives and contents similar to those of the corpora&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;te area, which perform their duties consistently and in line with corporate risk policies and rules, whose decisions are reflected in the corresponding minutes. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Under this organizational scheme, the risk management function &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;monitors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; that the risk strategy&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, the regulatory framework, and standardized risk infrastructures and controls are integrated and applied across the entire Group. It also benefits from the knowledge and proximity to customers in each geographical and/or business area, and transmits the c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;orporate risk culture to the Group&amp;#39;s different levels. Moreover, this organization enables the risks function to conduct and report to the corporate bodies integrated monitoring and control of the entire Group&amp;#39;s risks.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Internal Risk Control and Internal Va&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;lidation&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group has a specific Internal Risk Control unit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. Its main function is to manage&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; that there is an adequate internal regulatory framework, a process and measures defined for each type of risk identified in the Group (and for those other types of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; risk that may potentially affect the Group). It controls their application and operation, as well as &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;integrating&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the risk strategy into the Group&amp;#39;s management. In this regard, the Internal Risk Control &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;monitors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; verifies the performance of their duties by &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the units that develop the risk models, manage the processes and execute the controls. Its scope of action is global, from the geographical point&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of view and the type of risks.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#39;s Head of Internal Risk Control is responsible for the function and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;reports on its activities and informs of its work plans to the CRO and to the Board&amp;#39;s Risks Committee, assisting it in any matters where requested. For these purposes the Internal Risk Control department has a Technical Secretary&amp;#39;s Office, which offers the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; Committee the technical support it need&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s to better perform its duties.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, the Group has an Internal Validation unit, which reviews the performance of its duties by the units that develop the risk models and of those that use them in management. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Its functions include review and independent validation at internal level of the models used for management and control of risks in the Group.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.1.2   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Risk Appetite Framework&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#39;s Risk Appetite Framework, approved by the corporate bodies, determines&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the risks (and their level) that the Group is willing to assume to achieve its business objectives considering an organic evolution of its business. These are expressed in terms of solvency, profitability and liquidity and funding, which are reviewed peri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;odically as well as in case of material changes to the entity&amp;#8217;s business or relevant corporate transactions. The definition of the risk appetite has the following goals:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;To express the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;maximum levels of risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; it is willing to assume, at both Group and geogr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;aphical and/or business area level.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;To establish a set of guidelines for action and a management framework &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;for the medium and long term that prevent actions from being taken (at both Group and geographical and/or business area level) that could compromise &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the future viability of the Group.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;To establish a framework for relations with the geographical and/or business areas that, while preserving their decision-making autonomy, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;monitors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; they act consistently, avoiding uneven behavior.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;To establish a common &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;language throughout the organization and develop a compliance-oriented risk culture.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Alignment with the new regulatory requirements, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;facilitating communication with regulators, investors and other stakeholders, thanks to an integrated and stable risk manag&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ement framework.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Risk appetite framework is expressed through the following elements:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Risk Appetite Statement&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;It sets out the general principles of the Group&amp;#39;s risk strategy and the target risk profile. The 2018 Group&amp;#8217;s Risk appetite statement is as follow&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA Group&amp;#39;s Risk Policy is aimed to promote a multichannel and responsible universal banking model, based on principles, targeting sustainable growth, risk adjusted profitability and recurrent value creation. To achieve these objectives, the Risk Manag&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ement Model is oriented to maintain a moderate risk profile that allows the Group to keep strong financial fundamentals in adverse environments preserving our strategic goals, maintaining a prudent management, an integral view of risks, and a portfolio div&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ersification by geography, asset class and client segment, focusing on keeping a long term relationship with our customers.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Core metrics &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Based on the risk appetite statement, statements are established to set down the general risk management principles i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n terms of solvency, liquidity and funding, profitability and income recurrence.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Solvency: a sound capital position, maintaining resilient capital buffer from regulatory and internal requirements that supports the regular development of banking activity ev&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;en under stress situations. As a result, BBVA proactively manages its capital position, which is tested under different stress scenarios from a regular basis.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Liquidity and funding: A sound balance-sheet structure to sustain the business model. Maintenance&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; of an adequate volume of stable resources, a diversified wholesale funding structure, which limits the weight of short term funding and ensures the access to the different funding markets, optimizing the costs and preserving a cushion of liquid assets to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;overcome a liquidity survival period under stress scenarios.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Profitability and income recurrence: A sound margin-generation capacity supported by a recurrent business model based on the diversification of assets, a stable funding and a customer focus; comb&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ined with a moderate risk profile that limits the credit losses even under stress situations; all focused on allowing income stability and maximizing the risk-adjusted profitability.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The core metrics define, in quantitative terms, the principles and the ta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rget risk profile set out in the risk appetite statement and are in line with the strategy of the Group. Each metric has three thresholds (traffic-light approach) ranging from a standard business management to higher deterioration levels: Management refere&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nce, Maximum appetite and Maximum capacity.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The 2018 Group&amp;#8217;s Core metrics are:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;By type of risk metrics &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Based on the core metrics, statements are established for each type of risk reflecting the main principles governing the management of that risk and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; several metrics are calibrated, compliance with which enables compliance with the core metrics and the risk appetite statement of the Group. The metrics by type of risk have a maximum appetite threshold.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Basic limits structure (core limits) &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The purpose &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the basic limits structure or core limits is to shape the Risk Appetite Framework at geographical area risk type, asset type and portfolio level, ensuring that the management of risks on an ongoing basis is within the thresholds set forth for by type of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; risk.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition to this framework, there&amp;#8217;s a level of management limits that is defined and managed by the risk function developing the core limits, in order to ensure that the anticipatory management of risks by subcategories or by subportfolios compli&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es with that core limits and, in general, with the Risk Appetite Framework.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The corporate risk area works with the various geographical and/or business areas to define thei&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;r risk appetite framework, which will be coordinated with and integrated into the Group&amp;#39;s risk appetite to ensure that its profile fits as defined.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Risk Appetite Framework is integrated into the management and the processes for defining the Risk Appeti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;te Framework proposals and strategic and budgetary planning at Group level are coordinates.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As explained above, the core metrics of BBVA Risk Appetite Framework measure Groups performance in terms of solvency, liquidity and funding, profitability and incom&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e recurrence; most of the core metrics are accounting related or regulatory metrics which are published regularly to the market in the BBVA Group annual report and in the quarterly financial reports. During 2018, the Group risk profile evolved in line with&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the Risk Appetite metrics.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.1.3   Decisions and processes&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The transfer of risk appetite framework to ordinary management is supported by three basic aspects:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A standardized set of regulations.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Risk planning.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Comprehensive management of risks over their &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;life cycle.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Standardized &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;regulatory framework&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The corporate risk area is responsible for the definition and proposal of the corporate policies, specific rules, procedures and schemes of delegation based on which risk decisions should be taken within the G&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;roup.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This process aims for the following objectives: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Hierarchy and structure: well-structured information through a clear and simple hierarchy creating relations between documents that depend on each other.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Simplicity: an appropriate and sufficient numbe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;r of documents.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Standardization: a standardized name and content of document.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Accessibility: ability to search for, and easy access to, documentation through the corporate risk management library.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The approval of corporate policies for all types of risks i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s the responsibility of the corporate bodies of the Bank, while the corporate risk area endorses the remaining regulations.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Risk units of geographical and / or business areas comply with this set of regulations and, where necessary, adapt it to local requi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rements for the purpose of having a decision process that is appropriate at local level and aligned with the Group policies. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;If such adaptation is necessary, the local risk area must inform the corporate area of GRM, who must ensure the consistency of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;regulatory body at the Group level and, therefore, if necessary, give prior approval to the modifications proposed by the local risk areas.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Risk planning&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Risk planning monitors that the risk appetite framework is integrated into management through a cascad&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e process for establishing limits and profitability adjusted to the risk profile, in which the function of the corporate area risk units and the geographical and/or business areas is to guarantee the alignment of this process with the Group&amp;#39;s Risk Appetite&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; Framework in terms of solvency, liquidity and funding, profitability and income recurrence.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;There are tools in place that allow the Risk Appetite Framework defined at aggregate level to be assigned and monitored by business areas, legal entities, types of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; risk, concentrations and any other level considered necessary. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The risk planning process is aligned and taken into consideration within the rest of the Group&amp;#39;s planning framework so as to ensure consistency.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Comprehensive management&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All risks must be managed comprehensively during their life cycle, and be treated differently depending on the type. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The risk management cycle is composed of five elements:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Planning: with the aim of ensuring that the Group&amp;#39;s activities are consistent with&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; the target risk profile and guaranteeing solvency in the development of the strategy.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Assessment: a process focused on identifying all the risks inherent to the activities carried out by the Group.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Formalization: includes the risk origination, approval an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;d formalization stages.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Monitoring and reporting: continuous and structured monitoring of risks and preparation of reports for internal and/or external (market, investors, etc.) consumption.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Active portfolio management: focused on identifying business oppo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rtunities in existing portfolios and new markets, businesses and products.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.1.4   Assessment, monitoring and reporting&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assessment, monitoring and reporting is a cross-cutting element that monitors that the Model has a dynamic and proactive vision to enabl&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e compliance with the risk appetite framework approved by the corporate bodies, even in adverse scenarios. The materialization of this process has the following objectives:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Assess compliance with the risk appetite framework at the present time,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; through mon&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;itoring of the core metrics, metrics by type of risk and the basic structure of limits. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Assess compliance with the risk appetite framework in the future&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, through the projection of the risk appetite framework variables, in both a baseline scenario determin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ed by the budget and a risk scenario determined by the stress tests.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Identify and assess the risk factors and scenarios that could compromise compliance with the risk appetite framework, through the development of a risk repository and an analysis of the i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;mpact of those risks.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Act to mitigate the impact in the Group of the identified risk factors and scenarios, ensuring this impact remains within the target risk profile.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Supervise&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; the key variables &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;that are not a direct part of the risk appetite framework, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;but that condition its compliance. These can be either external or internal.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This process is integrated in the activity of the risk units, both of the corporate area and in the business units, and it is carried out during the following phases:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Identificati&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;on of the risk factors that can compromise the performance of the Group or of the geographical and/or business areas in relation to the defined risk thresholds.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Assessment of the impact of the materialization of the risk factors on the metrics that define &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the Risk Appetite Framework based on different scenarios, including stress scenarios.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Response to unwanted situations and proposals for readjustment to enable a dynamic management of the situation, even before it takes place.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Monitoring of the Group&amp;#39;s risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; profile and of the identified risk factors, through internal, competitor and market indicators, among others, to anticipate their future development. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Reporting: Complete and reliable information on the development of risks for the corporate bodies and se&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;nior management, with the frequency and completeness appropriate to the nature, significance and complexity of the reported risks. The principle of transparency governs al reporting of risk information.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.1.5   Infrastructure&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The infrastructure is an &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;element that must manage that the Group has the human and technological resources needed for effective management and supervision of risks in order to carry out the functions set out in the Group&amp;#39;s risk Model and the achievement of their objectives.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;espect to human resources, the Group risk function has an adequate workforce, in terms of number, skills, knowledge and experience.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With regards to technology, the Group risk function manages the integrity of management information systems and the provisio&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n of the infrastructure needed for supporting risk management, including tools appropriate to the needs arising from the different types of risks for their admission, management, assessment and monitoring. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The principles that govern the Group risk technol&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ogy are:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Standardization: the criteria are consistent across the Group, thus ensuring that risk handling is standardized at geographical and/or business area level.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Integration in management: the tools incorporate the corporate risk policies and are applie&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;d in the Group&amp;#39;s day-to-day management.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Automation of the main processes making up the risk management cycle.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Appropriateness: provision of adequate information at the right time.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Through the &amp;#8220;Risk Analytics&amp;#8221; function, the Group has a corporate framework i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n place for developing the measurement techniques and models. It covers all the types of risks and the different purposes and uses a standard language for all the activities and geographical/business areas and decentralized execution to make the most of th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e Group&amp;#39;s global reach. The aim is to continually evolve the existing risk models and generate others that cover the new areas of the businesses that develop them, so as to reinforce the anticipation and proactiveness that characterize the Group&amp;#39;s risk fun&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ction.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Also the risk units of geographical and / or business areas have sufficient means from the point of view of resources, structures and tools to develop a risk management in line with the corporate model.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.1.6   Risk culture&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group promotes t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he development of a risk culture based on the observance and understanding of values, attitudes, and behaviors that allow the compliance with the regulations and frameworks that contribute to an appropriate risk management.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;At BBVA the Risk Governance Mode&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;l is characterized by a special involvement of social bodies, as they define the risk culture that permeates the rest of the organization and has the following main elements:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Our Purpose which defines our reason to be and with our values and behaviors guid&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e the performance of our organization and the people who are part of it.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The Risk Appetite Framework which determines the risks and levels of risks that the Group is willing to assume in order to fulfill its goals.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The Code of Conduct establishes the behav&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ior guidelines that we must follow to adjust our behavior to the BBVA values.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Risk Culture at BBVA is based on these levers:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Communication: The BBVA Group promotes the dissemination of the principles and values that should govern the conduct and risk &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;management in a comprehensive and consistent manner. To do this, the most appropriate channels of communication are used, to allow for the Risk culture to be integrated into the business activities at all levels of the organization.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Training: The BBVA Grou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;p favors the understanding of the values, risk management model, and the code of conduct in all scenarios, ensuring standards in skills and knowledge.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Motivation: The BBVA Group aims to define incentives for BBVA employees that support the risk culture at &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;all levels. Among these incentives, the role of the Compensation policy and incentive programs stand out, as well as implementation of risk culture control mechanisms, including the complaint channels and the disciplinary committees.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Monitoring: The BBVA G&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;roup pursues at the highest levels of the organization a continuous evaluation and monitoring of the risk culture to guarantee its implementation and identification of areas for improvement.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.2   Risk factors&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As mentioned earlier, BBVA has processes in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;place for identifying risks and analyzing scenarios that enable the Group to manage risks in a dynamic and proactive way.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The risk identification processes are forward looking to ensure the identification of emerging risks and take into account the concern&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s of both the business areas, which are close to the reality of the different geographical areas, and the corporate areas and senior management. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Risks are captured and measured consistently using the methodologies deemed appropriate in each case. Their me&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;asurement includes the design and application of scenario analyses and stress testing and considers the controls to which the risks are subjected.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As part of this process, a forward projection of the risk appetite framework variables in stress scenarios is&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; conducted in order to identify possible deviations from the established thresholds. If any such deviations are detected, appropriate measures are taken to keep the variables within the target risk profile.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;To this extent, there are a number of emerging ri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sks that could affect the Group&amp;#8217;s business trends. These risks are described in the following main sections:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Macroeconomic and geopolitical risks&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Global economic growth maintained robust in 2018 even if it slowed down more than expected during the second h&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;alf of the year as a result of the worse development of the trade and the industrial sector as well as the strong increase in financial tensions, especially in developed economies due to the rise of uncertainties. To the worse economic development in Europ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e and in China, it has to be added the downturn in Asian countries and the deterioration in the expansive cycle of the United States. In this context, both the Federal Reserve (Fed) and the ECB have demonstrated to be more prudent and patient at the time o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f advancing with the normalization of their monetary policies and their future decisions will depend on the economic evolution. The main risk at sort-term continues to be protectionism not only for the direct effect on global trade, but also for the indire&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ct impact of lower confidence and financial volatility. To this, it has to be added the concerns about the degree of the impact on the economic activities in the United States and China in the following quarters have to be added as well as the increased po&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;litical uncertainty in Europe.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In summary, the uncertainty related to the economic perspectives continues to be elevated due to the fear of a protectionist escalation and a higher perception of the risk related to the global economic growth.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Regulatory an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#000000;' &gt;d reputational risks&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial institutions are exposed to a complex and ever-changing regulatory environment defined by governments and regulators. This can affect their ability to grow and the capacity of certain businesses to develop, and result in stri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;cter liquidity and capital requirements with lower profitability ratios. The Group constantly monitors changes in the regulatory framework that allow for anticipation and adaptation to them in a timely manner, adopt industry practices and more efficient an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;d rigorous criteria in its &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;implementation&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The financial sector is under ever closer scrutiny by regulators, governments and society itself. In the course of activities, situations which might cause relevant reputational damage to the entity could raise an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;d might affect the regular course of business. The attitudes and behaviors of the Group and its members are governed by the principles of integrity, honesty, long-term vision and industry practices through, inter alia, internal control Model, the Code of C&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;onduct, tax strategy and Responsible Business Strategy of the Group.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Business, operational and legal risks&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;New technologies and forms of customer relationships: Developments in the digital world and in information technologies pose significant challenges f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;or financial institutions, entailing threats (new competitors, disintermediation&amp;#8230;) but also opportunities (new framework of relations with customers, greater ability to adapt to their needs, new products and distribution channels...). Digital transformatio&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;n is a priority for the Group as it aims to lead digital banking of the future as one of its objectives.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Technological risks and security breaches: The Group is exposed to new threats such as cyber-attacks, theft of internal and customer databases, fraud i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;n payment systems, etc. that require major investments in security from both the technological and human point of view. The Group gives great importance to the active operational and technological risk management and control. One example was the early adop&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tion of advanced models for management of these risks (AMA - Advanced Measurement Approach).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The financial sector is exposed to increasing litigiousness, such that financial institutions face a large number of proceedings of every kind -civil, criminal, ad&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ministrative and otherwise-, as well as supervisory investigations, in multiple jurisdictions, the consequences of which are difficult to determine (including those proceedings where an undetermined number of claimants is involved, where damages claimed ar&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e not easy to estimate, where exorbitant amounts are claimed, where novel legal questions are introduced using new, creative legal theories and where proceedings are at a very early stage).&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;In Spain, in many current proceedings claimants seek, both at Span&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ish courts and through preliminary rulings sought from the European Union Court of Justice, that various clauses typically included within mortgage loan agreements with credit institutions be declared abusive (including clauses related to mortgage fees, ea&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rly termination rights, reference interest rates and arrangement fees). Unfavorable resolutions of such proceedings against the Group or against other banking entities may directly or indirectly affect the Group. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The BBVA Group is under regulatory investi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;gations in several countries which may give rise to sanctions and claims for damages by third parties.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The Group may likewise be subject to investigations by legal authorities, of which we have not heretofore received formal notice to such effect, in rela&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tion with the contracting of supposedly irregular services, that may have a negative reputational or economic impact on the Bank. The Bank is undertaking a forensic investigation, led by PwC, through the Bank&amp;#8217;s external legal counsel Garrigues, together wi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;th Ur&amp;#237;a, the scope or duration of which it is not currently possible to predict, nor is it possible to predict the outcome or implications for the Group of any such investigation by the legal authorities.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The BBVA Group undertakes constant management and m&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;onitoring of legal and regulatory investigations, proceedings and actions where its interests may be defended, and allocates (on the basis of the number of disputes, rulings and the state of proceedings or actions) what we believe are the appropriate provi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;sions where necessary. Nevertheless, the results of judicial or regulatory investigations, proceedings or actions, whether to which the Bank is currently party, to which it may be party in the future, or to which other banking entities are party, are diffi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;cult to predict, and if jurisprudential criteria are modified or unexpected results occur, such allocated provisions may prove insufficient&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.3    Credit risk&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Credit risk arises from the probability that one party to a financial instrument will fail to meet its contractual obligations for reasons of insolvency or inability to pay and cause a financial loss for the other party. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;It is the most important risk for &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the Group and includes counterparty risk, issuer risk, settlement risk and country risk management. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The principles underpinning credit risk management in BBVA are as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Availability of basic information for the study and proposal of risk, and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;supporting documentation for approval, which sets out the conditions required by the internal relevant body&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Sufficient generation of funds and asset solvency of the customer to assume principal and interest repayments of loans owed&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Establishment of ade&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;quate and sufficient guarantees that allow effective recovery of the transaction, this being considered a secondary and exceptional method of recovery when the first has failed.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Credit risk management in the Group has an integrated structure for all its fu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nctions, allowing decisions to be taken objectively and independently throughout the life cycle of the risk. &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;At Group level: frameworks for action and standard rules of conduct are defined for handling risk, specifically, the circuits, procedures, structu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;re and supervision.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;At the business area level: they are responsible for adapting the Group&amp;#39;s criteria to the local realities of each geographical area and for direct management of risk according to the decision-making circuit:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,4pt;color:#000000;' &gt;- Retail risks: in general, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the decisions are formalized according to the scoring tools, within the general framework for action of each business area with regard to risks. The changes in weighting and variables of these tools must be validated by the GRM area. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:8pt;line-height:12,95pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,4pt;color:#000000;' &gt;- Wholesale risks: in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; general, the decisions are formalized by each business area within its general framework for action with regard to risks, which incorporates the delegation rule and the Group&amp;#39;s corporate policies.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.3.1   Measurement Expected Credit Loss (ECL)&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 req&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;uires determining the expected credit loss of a financial instrument in a way that reflects an unbiased estimation removing any conservatism or optimism, the time value of money and a forward looking perspective (including the economic forecast).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Therefore&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the recognition and measurement of expected credit losses (ECL) is highly complex and involves the use of significant analysis and estimation including formulation and incorporation of forward-looking economic conditions into ECL.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Risk Parameters Adjusted&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt; by Macroeconomic Scenarios&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Expected Credit Loss must include forward looking information, in accordance with IFRS 9, which states that the comprehensive credit risk information must incorporate not only historical information but also all relevant credit &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;information, including forward-looking macroeconomic information. BBVA uses the classical credit risk parameters PD, LGD and EAD in order to calculate the ECL for the credit portfolios.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA&amp;#180;s methodological approach in order to incorporate the forward loo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;king information aims to determine the relation between macroeconomic variables and risk parameters following three main steps:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Step 1: Analysis and transformation of time series data.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Step 2: For each dependent variable find conditional forecasting models&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; that are economically consistent.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Step 3: Select the best conditional forecasting model from the set of candidates defined in Step 2, based on their out of sample forecasting performance.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;How economic scenarios are reflected in calculation of ECL&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The forw&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ard looking component is added through the introduction of macroeconomic scenarios as an input. Inputs would highly depend on the particular combination of region and portfolio, so inputs are adapted to available data.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Based on economic theory and analysis&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, the macroeconomic variables most directly relevant for explaining and forecasting the selected risk parameters (PD, LGD) are: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;a) The net income of families, corporates or public administrations.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;b) The payment amounts on the principal and interest on the outstanding loans. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;c) The value of the collateral assets pledge to the loan.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA Group approximates these variables by using a proxy indicator from the set included in the macroeconomic scenario&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s provided by the economic research department.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Only a single specific indicator for each of the three categories can be used and only core macroeconomic indicators should be chosen as first choice: for a) using Real GDP Growth for the purpose of condition&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;al forecasting can be seen as the single sufficient &amp;#8220;factor&amp;#8221; required for capturing the influence of all potentially relevant macro-financial scenario on internal PDs and LGD ; for b) using the most representative short term interest rate (typically the po&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;licy rate or the most liquid sovereign yield or interbank rate or EMBI) or exchange rates expressed in real terms and for c) using a comprehensive index of the price of real estate properties also expressed in real terms in the case of mortgage loans and a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; representative index of the price of the relevant commodity (in real terms) for corporate loan portfolios concentrated in exporters or producer of such commodity.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Real GDP growth is given priority over any other indicator not only because it is the most c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;omprehensive indicator of income and economic activity but also because it is the central variable in the generation of macroeconomic scenarios.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Multiple scenario approach under IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 requires calculating an unbiased probability weighted measuremen&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t of expected credit losses (&amp;#8220;ECL&amp;#8221;) by evaluating a range of possible outcomes, including forecasts of future economic conditions.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Research teams within the BBVA Group produce forecasts of the macroeconomic variables under the baseline scenario, w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hich are used in the rest of the related processes of the bank, such as budgeting, ICAAP and risk appetite framework, stress testing, etc.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, the BBVA Research teams produced alternative scenarios to the baseline scenario so as to meet the requi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rements under the IFRS 9 standard.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Alternative macroeconomic scenarios&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;For each of the macro-financial variables, BBVA Research produces three scenarios. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Each of these scenarios corresponds to the expected value of a different area of the probabilistic di&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;stribution of the possible projections of the economic variables.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The approach in BBVA consists on using the scenario that is the most likely scenario, which is the baseline scenario, consistent with the rest of internal processes (ICAAP, Budgeting&amp;#8230;) and t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hen applying an overlay adjustment that is calculated by taking into account the weighted average of the ECL determined by each of the scenarios.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;It is important to note that in general, it is expected that the effect of the overlay is to increase the ECL.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; It is possible to obtain an overlay that does not have that effect, whenever the relationship between macro scenarios and losses is linear. However, the overlay is not expected to reduce the ECL.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.3.2   Credit risk exposure&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with IFRS 7 &amp;#8220;Fi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nancial Instruments: Disclosures&amp;#8221;, the BBVA Group&amp;#8217;s maximum credit risk exposure (see definition below) by headings in the balance sheets as of December 31, 2018 is provided below. It does not consider the availability of collateral or other credit enhance&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ments to guarantee compliance with payment obligations. The details are broken down by financial instruments and counterparties.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Maximum Credit Risk Exposure (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Financial assets held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;59.581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25.577&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28.750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;5.135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.803&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.095&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Derivatives (trading and hedging) &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;38.249&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;56.332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;56.329&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;53.737&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;53.734&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;431.927&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;384.632&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;30.902&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;16.394&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.947&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.947&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9.175&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9.131&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;386.225&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;339.204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30.673&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16.348&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32.580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32.350&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Total financial assets risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;592.538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;440.960&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;30.905&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;16.394&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Total loan commitments and financial guarantees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;170.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;161.404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;8.120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;987&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004580;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total maximum credit exposure&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004580;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004580;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;763.049&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004580;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004580;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004580;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;There was no similar breakdown before the implementation of IFRS 9 on January 1, 2018 (see Note 2.1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The maximum credit exposure presented in the table above is determined by type of financial asset as explained below:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In the case of financial assets recognized in the consolidated balance sheets, exposure to credit risk is considered equal to its carry&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ing amount (not including impairment losses), with the sole exception of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;derivatives&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; and hedging derivatives.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;maximum credit risk exposure on financial guarantees granted is the maximum that the Group would be liable for if these guarantees were called&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; in, and that is their amount.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The calculation of risk exposure for derivatives is based on the sum of two factors: the derivatives fair value and their potential&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; risk (or &amp;quot;add-on&amp;quot;).&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,4pt;color:#000000;' &gt;- The first factor, fair value, reflects the difference between original &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;commitments and fair values on the reporting date (mark-to-market).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,4pt;color:#000000;' &gt;- The second factor, potential risk (&amp;#8216;add-on&amp;#8217;), is an estimate of the maximum increase to be expected on risk exposure over a derivative fair value (at a given statistical confidence&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; level) as a result of future changes in the fair value over the remaining term of the derivatives.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,4pt;color:#000000;' &gt;- The consideration of the potential risk (&amp;quot;add-on&amp;quot;) relates the risk exposure to the exposure level at the time of a customer&amp;#8217;s default. The exposure level&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; will depend on the customer&amp;#8217;s credit quality and the type of transaction with such customer. Given the fact that default is an uncertain event which might occur any time during the life of a contract, the BBVA Group has to consider not only the credit exp&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;osure of the derivatives on the reporting date, but also the potential changes in exposure during the life of the contract. This is especially important for derivatives, whose valuation changes substantially throughout their terms, depending on the fluctua&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tion of market prices.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown by counterparty and product of loans and advances, net of impairment losses, as well as the gross carrying amount by type of product, classified in the different headings of the assets, as of December 3&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1, 2018, 2017 and 2016 is shown below&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:708,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:708,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:162pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Provisions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Gross carrying amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;By product&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;151&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(193)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.834&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15.446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.048)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.495&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;948&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.190&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;17.436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(280)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;17.716&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;406&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.650&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(427)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9.077&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;293&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;770&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;772&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.911&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26.839&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.947&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.030&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;133.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;157.760&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;332.060&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(10.204)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;342.264&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.592&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.771&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.088&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;984&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.962&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(63)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.025&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:162pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.941&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;29.917&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;9.196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;9.468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;163.922&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;172.522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;388.966&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(12.217)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;401.183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;By secured loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans collateralized by immovable property&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.056&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;219&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;26.784&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;111.809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;139.883&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(4.122)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;144.005&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;7.179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.389&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;31.393&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;6.835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;47.081&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(774)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;47.855&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;By purpose of the loan&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;40.124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;40.124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(2.613)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;42.736&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;111.007&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;111.007&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(1.945)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;112.952&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;By subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;13.973&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;13.973&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(312)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;14.286&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:707,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:707,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;270&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.663&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.560&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.862&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.964&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15.835&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;497&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20.385&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;198&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22.705&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.040&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;361&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.642&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.290&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26.300&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26.983&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.463&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;125.228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;155.418&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;324.848&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.964&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.005&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.044&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.459&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12.995&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;7.301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;32.294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;26.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;18.525&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;164.637&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;172.868&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;421.886&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans (Loans collateralized by immovable property)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;308&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;37.353&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;116.938&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;155.597&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;7.167&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;13.501&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;12.907&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;24.100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;9.092&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;66.767&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;40.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;40.705&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;114.709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;114.709&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;16.412&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;16.412&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:707,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:707,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;373&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.719&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.596&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.091&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20.246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;418&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23.753&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;57&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9.442&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;81&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15.597&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.746&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22.968&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.814&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29.140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.878&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;136.105&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;167.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;356.524&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.410&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.083&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.082&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;620&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.389&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;8.894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;34.820&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;31.373&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;17.009&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;176.192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;186.633&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;454.921&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans [Loans collateralized by immovable property]&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;4.722&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;44.406&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;132.398&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;182.328&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;3.700&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;15.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;8.164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;21.863&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;6.061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;54.979&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;44.504&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;44.504&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;127.606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;127.606&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;19.269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;19.269&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.3.3  Mitigation of credit risk, collateralized credit risk and other credit enhancements&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In most cases, maximum credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; exposure is reduced by collateral, credit enhancements and other actions which mitigate the Group&amp;#8217;s exposure. The BBVA Group applies a credit risk hedging and mitigation policy deriving from a banking approach focused on relationship banking. The existenc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e of guarantees could be a necessary but not sufficient instrument for accepting risks, as the assumption of risks by the Group requires prior evaluation of the debtor&amp;#8217;s capacity for repayment, or that the debtor can generate sufficient resources to allow &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the amortization of the risk incurred under the agreed terms.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The policy of accepting risks is therefore organized into three different levels in the BBVA Group:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Analysis of the financial risk of the transaction, based on the debtor&amp;#8217;s capacity for repaymen&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;t or generation of funds.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The constitution of guarantees that are adequate, or at any rate generally accepted, for the risk assumed, in any of the generally accepted forms: monetary, secured, personal or hedge guarantees; and finally&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Assessment&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; of the repa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;yment risk (asset liquidity) of the guarantees received.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The procedures for the management and valuation of collateral are set out in the Corporate Policies (retail and wholesale), which establish the basic principles for credit risk management, including &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the management of collaterals assigned in transactions with customers.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The methods used to value the collateral are in line with the best market practices and imply the use of appraisal of real-estate collateral, the market price in market securities, the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;trading price of shares in mutual funds, etc. All the collaterals received must be correctly assigned and entered in the corresponding register. They must also have the approval of the Group&amp;#8217;s legal units.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following is a description of the main types o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f collateral for each financial instrument class:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial instruments held for trading: The guarantees or credit enhancements obtained directly from the issuer or counterparty are implicit in the clauses of the instrument.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Derivatives and hedging derivat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ives: In derivatives, credit risk is minimized through contractual netting agreements, where positive- and negative-value derivatives with the same counterparty are offset for their net balance. There may likewise be other kinds of guarantees and collatera&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ls, depending on counterparty solvency and the nature of the transaction. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The summary of the compensation effect (via netting and collateral) for derivatives and securities operations is presented in Note 7.4.3.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Other financial assets designated at fair v&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;alue through profit or loss and financial assets at fair value through other comprehensive income: The guarantees or credit enhancements obtained directly from the issuer or counterparty are inherent to the structure of the instrument.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;At December 31, 2018&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, BBVA Group had no credit risk exposure of impaired financial assets at fair value through other comprehensive income at December 31, 2018 (see Note 7.3.2).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial assets at&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; amortized cost:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,4pt;color:#000000;' &gt;- Loans and advances to credit institutions: These usually &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;only have the counterparty&amp;#8217;s personal guarantee.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,4pt;color:#000000;' &gt;- Loans and advances to customers: Most of these loans and advances are backed by personal guarantees extended by the customer. There may also be collateral to secure loans and advances to customers (such as&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; mortgages, cash collaterals, pledged securities and other collateral), or to obtain other credit enhancements (bonds, hedging, etc.).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:39,7pt;color:#000000;' &gt;- Debt securities: The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;guarantees&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; or credit enhancements obtained directly from the issuer or counterparty are inherent t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;o the structure of the instrument.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,45pt;' &gt;The disclosure of impaired financial assets at amortized cost covered by collateral (see Note 7.3.2), by type of collateral, at December 31, 2018, is the following:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:10,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Maximum exposure to credit risk&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:251,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:251,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Of which secured by collateral&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Residential properties&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Commercial properties&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Cash&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Financial&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Impaired financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.394&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.255&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;502&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;16.394&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.255&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;502&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;guarantees&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, other con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tingent risks and drawable by third parties:&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0000FF;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;These have the counterparty&amp;#8217;s personal guarantee.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,45pt;' &gt;The maximum credit risk exposure of impaired financial guarantees and other commitments at December 31, 2018 amounts to &amp;#8364;987 million (see Note 7.3.2).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.3.4   Cr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;edit quality of financial assets that are neither past due nor impaired&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group has tools (&amp;#8220;scoring&amp;#8221; and &amp;#8220;rating&amp;#8221;) that enable it to rank the credit quality of its transactions and customers based on an assessment and its correspondence with the pro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;bability of default (&amp;#8220;PD&amp;#8221;) scales. To analyze the performance of PD, the Group has a series of tracking tools and historical databases that collect the pertinent internally generated information. These tools can be grouped together into scoring and rating &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;models.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Scoring&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Scoring is a decision-making model that contributes to both the arrangement and management of retail loans: consumer loans, mortgages, credit cards for individuals, etc. Scoring is the tool used to decide to originate a loan, what amount sh&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ould be originated and what strategies can help establish the price, because it is an algorithm that sorts transactions by their credit quality. This algorithm enables the BBVA Group to assign a score to each transaction requested by a customer, on the bas&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;is of a series of objective characteristics that have statistically been shown to discriminate between the quality and risk of this type of transactions. The advantage of scoring lies in its simplicity and homogeneity: all that is needed is a series of obj&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ective data for each customer, and this data is analyzed automatically using an algorithm.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;There are three types of scoring, based on the information used and on its purpose:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Reactive scoring: measures the risk of a transaction requested by an individual &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;using variables relating to the requested transaction and to the customer&amp;#8217;s socio-economic data available at the time of the request. The new transaction is approved or rejected depending on the score.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Behavioral scoring: scores transactions for a given pr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;oduct in an outstanding risk portfolio of the entity, enabling the credit rating to be tracked and the customer&amp;#8217;s needs to be anticipated. It uses transaction and customer variables available internally. Specifically, variables that refer to the behavior o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;f both the product and the customer.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Proactive scoring&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;: gives a score at customer level using variables related to the individual&amp;#8217;s general behavior with the entity, and to his/her payment behavior in all the contracted products. The purpose is to track th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e customer&amp;#8217;s credit quality and it is used to pre-approved new transactions.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Rating&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Rating tools, as opposed to scoring tools, do not assess transactions but focus on the rating of customers instead: companies, corporations, SMEs, general governments, etc.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; A rating tool is an instrument that, based on a detailed financial study, helps determine a customer&amp;#8217;s ability to meet his/her financial obligations. The final rating is usually a combination of various factors: on one hand, quantitative factors, and on t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he other hand, qualitative factors. It is a middle road between an individual analysis and a statistical analysis.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The main difference between ratings and scorings is that the latter are used to assess retail products, while ratings use a wholesale banking&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; customer approach. Moreover, scorings only include objective variables, while ratings add qualitative information. And although both are based on statistical studies, adding a business view, rating tools give more weight to the business criterion compared&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; to scoring tools.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For portfolios where the number of defaults is low (sovereign risk, corporates, financial entities, etc.) the internal information is supplemented by &amp;#8220;benchmarking&amp;#8221; of the external rating agencies (Moody&amp;#8217;s, Standard &amp;amp; Poor&amp;#8217;s and Fitch). &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;To this end, each year the PDs compiled by the rating agencies at each level of risk rating are compared, and the measurements compiled by the various agencies are mapped against those of the BBVA master rating scale.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Once the probability of default of a t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ransaction or customer has been calculated, a &amp;quot;business cycle adjustment&amp;quot; is carried out. This is a means of establishing a measure of risk that goes beyond the time of its calculation. The aim is to capture representative information of the behavior of po&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rtfolios over a complete economic cycle. This probability is linked to the Master Rating Scale prepared by the BBVA Group to enable uniform classification of the Group&amp;#8217;s various asset risk portfolios.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The table below shows the abridged scale used to classi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;fy the BBVA Group&amp;#8217;s outstanding risk as of December 31, 2018:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;External rating&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Internal rating&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:290,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:290,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Probability of default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;(basis points)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Standard&amp;amp;Poor&amp;#39;s List&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Reduced List (22 groups)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Minimum from &amp;gt;=&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Maximum &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AAA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AAA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td 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style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;335&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;581&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;B-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;B-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;785&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.061&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.336&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.684&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.890&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.684&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.381&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.673&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.000&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.673&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.367&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.780&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.367&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.243&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These different levels and their probability of default were calculated by using as a reference the rating scales and default rates provided by the external agencies Stan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;dard &amp;amp; Poor&amp;#8217;s and Moody&amp;#8217;s. These calculations establish the levels of probability of default for the BBVA Group&amp;#8217;s Master Rating Scale. Although this scale is common to the entire Group, the calibrations (mapping scores to PD sections/Master Rating Scale le&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;vels) are carried out at tool level for each country in which the Group has tools available.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The table below outlines &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the distribution by probability of default within 12 months and stages of the gross carrying amount of loans and advances to customers in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;percentage of BBVA Group as of December 31, 2018 is shown below&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:285pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:285pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:middle;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Subject to 12 month ECL (Stage 1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Subject to lifetime ECL (Stage 2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:198pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Probability of default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;(basis points)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0 to 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,0&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2 to 5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5 to 11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,0&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11 to 39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39 to 194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30,1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;194 to 1,061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,061 to 2,121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&amp;gt; 2,021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:198pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#003366;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;91,7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#003366;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8,3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;There was no similar breakdown before the implementation of IFRS 9 on January 1, 2018 (see Note 2.1).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.3.5   Past due but not impaired and impaired secured loans r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;isks&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The tables below provides details by counterpart and by product of past due risks but not considered to be impaired, as of December 31, 2018, 2017 and 2016, listed by their first past-due date; as well as the breakdown of the debt sec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;urities and loans and advances individually and collectively estimated (see Note 2.2.1):&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:710,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:182,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:182,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Assets without significant increase in credit risk since initial recognition (Stage 1)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:182,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:182,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Assets with significant increase in credit risk since initial recognition but not credit-impaired (Stage 2)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:182,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:182,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired assets (Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;lt;= 30 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 30 days &amp;lt;= 90 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 90 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;lt;= 30 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 30 days &amp;lt;= 90 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 90 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;lt;= 30 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 30 days &amp;lt;= 90 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 90 days&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;4.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;4.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;3.228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;900&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.769&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;224&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.282&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.180&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;149&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;276&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.333&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.971&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;618&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;900&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.774&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances by product, by collateral and by subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand (call) and short notice (current account)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;127&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;120&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;307&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.421&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.575&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.869&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;369&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;840&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans collateralized by immovable property&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.681&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.745&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;251&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;712&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.365&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;255&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;742&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;910&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.278&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;424&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;281&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.365&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.394&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;170&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;839&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;382&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:714,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:714,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2017 (Millions of euros) (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19,5pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:189pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:189pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Past due but not impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Impaired assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Carrying amount of the impaired assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Specific allowances for financial assets, individually and collectively estimated&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Collective allowances for incurred but not reported losses&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Accumulated write-offs&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:60,75pt;' &gt;&lt;td style='width:210,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;#8804; 30 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 30 days &amp;#8804; 60 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 60 days &amp;#8804; 90 days&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;3.432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;759&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;19.401&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;10.726&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(8.675)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(4.109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(29.938)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(69)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(30)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;153&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;170&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.791&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.599)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.939)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(18.988)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.512&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;603&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;319&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.395&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.022)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2.052)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(10.913)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;759&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;19.467&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;10.764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(8.703)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(4.130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(29.938)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances by product, by collateral and by subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand (call) and short notice (current account)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;389&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;151&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(238)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;629&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;190&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(439)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;115&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;515&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(336)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;431&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;155&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(276)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;17.417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7.370)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans (Loans collateralized by immovable property)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.345&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.388&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.630&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.757)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;592&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;803&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(310)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.260&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.551&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;457&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.093)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.034&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;307&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.444&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.286)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;895&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(271)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Figures originally reported in the year 2017 in accordance to the applicable regulation, without restatements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:714,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:714,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2016 (Millions of euros) (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19,5pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:189pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:189pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Past due but not impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Impaired assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Carrying amount of the impaired assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Specific allowances for financial assets, individually and collectively estimated&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Collective allowances for incurred but not reported losses&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Accumulated write-offs&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:60,75pt;' &gt;&lt;td style='width:210,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;lt;= 30 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 30 days &amp;lt;= 60 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 60 days &amp;lt;= 90 days&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;272&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(144)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(46)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;3.384&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;735&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;22.925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;12.133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(10.793)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(5.224)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(29.346)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;256&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(39)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(57)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;968&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.786&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.383&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7.402)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2.789)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(18.020)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;479&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;426&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.483&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.319)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2.329)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11.303)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.384&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;735&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;23.197&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;12.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(10.937)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(5.270)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(29.347)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances by product, by collateral and by subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand (call) and short notice (current account)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;249&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(313)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;377&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(529)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;424&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(337)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(264)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;469&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20.765&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.429&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(9.336)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans (Loans collateralized by immovable property)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9.008&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.850)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;656&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(275)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.186&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.622&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;455&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.168)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;883&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;105&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.094&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.546&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.548)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;105&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(147)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Figures originally reported in the year 2016 in accordance to the applicable regulation, without restatements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of loans and advances, within financial assets at amortized cost, impaired and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;accumulated impairment by sectors as of December 31, 2018, 2017 and 2016 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Accumulated impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing loans and advances as a % of the total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8.372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(6.260)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Agriculture, forestry and fishing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(107)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mining and quarrying&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(70)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Manufacturing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.134)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Electricity, gas, steam and air conditioning supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;585&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(446)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Water supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.488&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.007)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale and retail trade&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.259)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transport and storage&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;459&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(374)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accommodation and food service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(204)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Information and communication&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(72)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial and insurance activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;147&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(128)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Real estate activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;834&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(624)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Professional, scientific and technical activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(171)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Administrative and support service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(125)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Public administration and defense, compulsory social security&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Education&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Human health services and social work activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(63)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Arts, entertainment and recreation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(41)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(382)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7.838&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(5.833)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;LOANS AND ADVANCES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16.359&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12.211)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:485,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:485,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:90,75pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Accumulated impairment or Accumulated changes in fair value due to credit risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing loans and advances as a % of the total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(111)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10.791&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(7.538)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Agriculture, forestry and fishing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;166&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mining and quarrying&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;177&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Manufacturing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.239&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(955)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Electricity, gas, steam and air conditioning supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;213&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(289)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Water supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.708)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale and retail trade&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.706&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.230)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transport and storage&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;441&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(353)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accommodation and food service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;362&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(222)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Information and communication&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;984&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(256)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Real estate activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.100)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Professional, scientific and technical activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(183)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Administrative and support service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Public administration and defense, compulsory social security&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Education&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Human health services and social work activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(68)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Arts, entertainment and recreation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(38)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(716)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8.417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(5.073)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;LOANS AND ADVANCES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;19.401&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12.784)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:78pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Accumulated impairment or Accumulated changes in fair value due to credit risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing loans and advances as a % of the total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(52)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;13.786&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(10.192)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Agriculture, forestry and fishing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(188)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mining and quarrying&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;126&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(83)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Manufacturing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.569&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.201)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Electricity, gas, steam and air conditioning supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;569&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(402)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Water supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.358&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3.162)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale and retail trade&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.857&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.418)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transport and storage&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(501)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accommodation and food service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;499&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(273)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Information and communication&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(110)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Real estate activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.441&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.074)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Professional, scientific and technical activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(380)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Administrative and support service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(107)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Public administration and defense, compulsory social security&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Education&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Human health services and social work activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(88)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Arts, entertainment and recreation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(51)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.088)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8.801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(5.648)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;LOANS AND ADVANCES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22.925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(16.016)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes during the years 2018, 2017 and 2016 of impaired financial assets &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;and contingent risks are as follow:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Changes in Impaired Financial Assets and Contingent Risks (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;20.590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26.103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.856&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.133&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Decreases (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6.909)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7.771)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7.633)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Net additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2.883&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.500&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Amounts written-off&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5.076)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5.758)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5.592)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange differences and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.264)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(615)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(134)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;17.134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;20.590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.877&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)   Reflects the total amount of impaired loans derecognized from the consolidated balance sheet throughout the year as a result of mortgage foreclosures and real estate assets received in lieu &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;of payment as well as monetary recoveries (see Notes 19 and 20 to the Consolidated Financial Statement for additional information).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes during the years 2018, 2017 and 2016 in financial assets derecognized from the accompanying consolidated ba&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;lance sheet as their recovery is considered unlikely (hereinafter &amp;quot;write-offs&amp;quot;), is shown below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Changes in Impaired Financial Assets Written-Off from the Balance Sheet (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;30,139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;29,347&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;26,143&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Increase:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,986&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,699&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Decrease:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4,210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4,442)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2,384)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Re-financing or restructuring&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Cash recovery&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(589)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(558)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(541)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Foreclosed assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(625)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(149)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(210)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Sales of written-off&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,805)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2,284)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(45)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Debt forgiveness&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(889)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,121)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(864)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Time-barred debt and other causes &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(292)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(321)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(692)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Net exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;250&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(752)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(111)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;32,343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30,139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29,347&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As indicated in Note 2.2.1, although they have been derecognized from the consolidated balance sheet, the BBVA Group continues to atte&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;mpt to collect on these written-off financial assets, until the rights to receive them are fully extinguished, either because it is time-barred financial asset, the financial asset is condoned, or other reasons.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.3.6   Impairment losses&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;B&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;elow are the changes in the years ended December 31, 2018, 2017 and 2016, in the provisions recognized on the accompanying consolidated balance sheets to cover estimated impairment losses in loans and advances and debt securities measured at amortized cost&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and financial assets at fair value through other comprehensive income as well as the loan commitment and financial guarantees:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:711pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:711pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets at amortized cost. December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:225pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Not credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Purchased/originated credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (collectively assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (individually assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Opening balance (under IFRS 9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(2.237)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(1.827)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(525)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(9.371)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(13.960)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 1 to Stage 2 (not credit-impaired)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(930)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(218)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(940)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 2 (not credit - impaired) to Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(125)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;619&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers to Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;282&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;564&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2.127)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.226)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 3 to Stage 1 or 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(126)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(68)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;333&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Changes without transfers between Stages&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;358&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(260)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.775)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.730)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;New financial assets originated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.072)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(375)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(244)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.692)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Disposals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;115&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Repayments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.623&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Write-offs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.461&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(93)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;239&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Modifications that result in derecognition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Modifications that do not result in derecognition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(362)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(366)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.399&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(2.106)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(1.753)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(628)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(7.777)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(12.264)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:711pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:711pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income. December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:225pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Not credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Purchased/originated credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (collectively assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (individually assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Opening balance (under IFRS 9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(14)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Changes without transfers between Stages&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;New financial assets originated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Repayments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Modifications that do not result in derecognition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:711pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:711pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loan commitments and financial guarantees. December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:225pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Not credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Purchased/originated credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (collectively assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (individually assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Opening balance (under IFRS 9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(200)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(135)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(285)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(704)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 1 to Stage 2 (not credit-impaired)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(81)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 2 (not credit - impaired) to Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers to Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 3 to Stage 1 or 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Changes without transfers between Stages&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;New financial assets originated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(102)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(154)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Disposals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Repayments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;202&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Modifications that do not result in derecognition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(232)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(127)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(60)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(217)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(636)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:710,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2017 (Millions of euros) (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:38,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Opening balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Increases due to amounts set aside  for estimated loan losses during the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Decreases due to amounts  reversed for estimated loan losses during the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Decreases due to amounts taken against allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Transfers between allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Other adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Recoveries  recorded directly to the statement of profit or loss&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Specific allowances for financial assets, individually and collectively estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(10.937)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(7.484)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.878&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;4.503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1.810&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(8.703)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(144)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(103)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(10.793)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(7.458)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.872&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;4.503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1.687&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;513&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(8.675)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(39)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(70)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(287)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7.402)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.627)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.029&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(228)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.599)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;345&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.319)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.472)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;837&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.422&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.687&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(177)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.022)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;212&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Collective allowances for incurred but not reported losses on financial assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(5.270)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(1.783)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1.537&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(1.328)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(4.130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(46)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.224)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.776)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.328)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;554&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4.109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(16.206)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(9.267)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;5.037&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;6.038&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;482&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.083&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(12.833)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Figures originally report&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ed in the year 2017 in accordance to the applicable regulation, without restatements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:710,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:42,75pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Opening balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Increases due to amounts set aside  for estimated loan losses during the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Decreases due to amounts  reversed for estimated loan losses during the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Decreases due to amounts taken against allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Transfers between allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Other adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Recoveries  recorded directly to the statement of profit or loss&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Specific allowances for financial assets, individually and collectively estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(12.866)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(6.912)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.708&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;5.673&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;583&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(10.937)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;540&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(167)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(144)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(138)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(103)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(12.831)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(6.745)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.702&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;5.610&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(113)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;585&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(10.793)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;540&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(37)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(39)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(38)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(9.225)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.705)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.257&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(278)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7.402)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.514)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.002)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.319)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;205&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Collective allowances for incurred but not reported losses on financial assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(6.024)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(1.558)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1.463&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(5.270)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(113)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(46)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.911)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.546)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.449&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.224)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(18.890)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(8.470)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;5.762&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;652&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;568&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(16.206)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;541&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;*)  Figures originally reported in the year 2016 in accordance to the applicable regulation, without restatements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.3.7 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;  Refinancing and restructuring operations&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Group policies and principles with respect to refinancing and restructuring operations&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Refinancing and restructuring transactions (see definition in the Glossary) are carried out with customers who have requested &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;such an operation in order to meet their current loan payments if they are expected, or may be expected, to experience financial difficulty in making the payments in the future.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The basic aim of a refinancing and restructuring operation is to provide the c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ustomer with a situation of financial viability over time by adapting repayment of the loan incurred with the Group to the customer&amp;#8217;s new situation of fund generation. The use of refinancing and restructuring for other purposes, such as to delay loss recog&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nition, is contrary to BBVA Group policies. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group&amp;#8217;s refinancing and restructuring policies are based on the following general principles:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Refinancing and restructuring is authorized according to the capacity of customers to pay the new installmen&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ts. This is done by first identifying the origin of the payment difficulties and then carrying out an analysis of the customers&amp;#8217; viability, including an updated analysis of their economic and financial situation and capacity to pay and generate funds. If t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he customer is a company, the analysis also covers the situation of the industry in which it operates. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;With the aim of increasing the solvency of the operation, new guarantees and/or guarantors of demonstrable solvency are obtained where possible. An esse&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ntial part of this process is an analysis of the effectiveness of both the new and original guarantees. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;This analysis is carried out from the overall customer or group perspective. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Refinancing and restructuring operations do not in general increase the a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;mount of the customer&amp;#8217;s loan, except for the expenses inherent to the operation itself. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The capacity to refinance and restructure loan is not delegated to the branches, but decided on by the risk units. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The decisions made are reviewed from time to time w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ith the aim of evaluating full compliance with refinancing and restructuring&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; policies. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These general principles are adapted in each case according to the conditions and circumstances of each geographical area in which the Group operates, and to the differ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ent types of customers involved.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of retail customers (private individuals), the main aim of the BBVA Group&amp;#8217;s policy on refinancing and restructuring loan is to avoid default arising from a customer&amp;#8217;s temporary liquidity problems by implementing&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; structural solutions that do not increase the balance of customer&amp;#8217;s loan. The solution required is adapted to each case and the loan repayment is made easier, in accordance with the following principles: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Analysis of the viability of operations based on t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he customer&amp;#8217;s willingness and ability to pay, which may be reduced, but should nevertheless be present. The customer must therefore repay at least the interest on &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the operation in all cases. No arrangements may be concluded that involve a grace period for &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;both principal and interest.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Refinancing and restructuring of operations is only allowed on those loans in which the BBVA Group originally entered into.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Customers&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; subject to refinancing and restructuring operations are excluded from marketing campaigns of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;any kind.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of non-retail customers (mainly companies, enterprises and corporates), refinancing/restructuring is authorized according to an economic and financial viability plan based on:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Forecasted future income, margins and cash flows to allow&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; entities to implement cost adjustment measures (industrial restructuring) and a business development plan that can help reduce the level of leverage to sustainable levels (capacity to access the financial markets).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Where appropriate, the existence of a di&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;vestment plan for assets and/or operating segments that can generate cash to assist the deleveraging process.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The capacity of shareholders to contribute capital and/or guarantees that can support the viability of the plan.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with the Grou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;p&amp;#8217;s policy, the conclusion of a loan refinancing and restructuring operation does not meet the loan is reclassified from &amp;quot;impaired&amp;quot; or &amp;quot;significant increase in credit risk&amp;quot; to outstanding risk. The reclassification to &amp;quot;significant increase in credit risk&amp;quot; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;or normal risk categories must be based on the analysis mentioned earlier of the viability, upon completion of the probationary periods described below. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group maintains the policy of including risks related to refinanced and restructured loans as eith&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;er:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&amp;quot;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Impaired assets&amp;quot;, as although the customer is up to date with payments, they are classified as unlikely to pay when there are significant doubts that the terms of their refinancing may not be met; or&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&amp;quot;Significant increase in credit risk&amp;quot; until the con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ditions established for their consideration as normal risk are met).&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The conditions established for assets classified as &amp;#8220;Significant increase in credit risk&amp;#8221; to be reclassified out of this category are as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The customer must have paid past-due amou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;nts (principal and interest) since the date of the renegotiation or restructuring of the loan or other objective criteria, demonstrating the borrower&amp;#180;s ability to pay, have been verified; none of its exposures is more than 30 days past-due; and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;At least tw&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;o years must have elapsed since completion of the renegotiation or restructuring of the loan and regular payments must have been made during at least half of this probation period;&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;It is unlikely that the customer will have financial difficulties and, ther&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;efore, it is expected that the customer&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; will be able to meet its loan payment obligations (principal and interest) in a timely manner.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group&amp;#8217;s refinancing and restructuring policy provides for the possibility of two modifications in a 24 month per&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;iod for loans that are not in compliance with the payment schedule.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The internal models used to determine allowances for loan losses consider the restructuring and renegotiation of a loan, as well as re-defaults on such a loan, by assigning a lower interna&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;l rating to restructured and renegotiated loans than the average internal rating assigned to non-restructured/renegotiated loans. This downgrade results in an increase in the probability of default (PD) assigned to restructured/renegotiated loans (with the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; resulting PD being higher than the average PD of the non- renegotiated loans in the same portfolios).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For quantitative information on refinancing and restructuring operations see Appendix VIII.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.4    Market risk&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.4.1  Market risk trading portfolios&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Market risk originates as a result of movements in the market variables that impact the valuation of traded financial products and assets. The main risks generated can be classified as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Interest-rate risk: This arises as a result of exposure to mov&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ements in the different interest-rate curves involved in trading. Although the typical products that generate sensitivity to the movements in interest rates are money-market products (deposits, interest-rate futures, call money swaps, etc.) and traditional&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; interest-rate derivatives (swaps and interest-rate options such as caps, floors, swaptions, etc.), practically all the financial products are exposed to interest-rate movements due to the effect that such movements have on the valuation of the financial d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;iscount.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Equity risk: This arises as a result of movements in share prices. This risk is generated in spot positions in shares or any derivative products whose underlying asset is a share or an equity index. Dividend risk is a sub-risk of equity risk, aris&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ing as an input for any equity option. Its variation may affect the valuation of positions and it is therefore a factor that generates risk on the books.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Exchange-rate risk: This is caused by movements in the exchange rates of the different currencies in w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;hich a position is held. As in the case of equity risk, this risk is generated in spot currency positions, and in any derivative product whose underlying asset is an exchange rate. In addition, the quanto effect (operations where the underlying asset and t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he instrument itself are denominated in different currencies) means that in certain transactions in which the underlying asset is not a currency, an exchange-rate risk is generated that has to be measured and monitored.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Credit-spread risk: Credit spread is&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; an indicator of an issuer&amp;#39;s credit quality. Spread risk occurs due to variations in the levels of spread of both corporate and government issues, and affects positions in bonds and credit derivatives.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Volatility risk: This occurs as a result of changes in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; the levels of implied price volatility of the different market instruments on which derivatives are traded. This risk, unlike the others, is exclusively a component of trading in derivatives and is defined as a first-order convexity risk that is generated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; in all possible underlying assets in which there are products with options that require a volatility input for their valuation.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The metrics developed to control and monitor market risk in BBVA Group are aligned with market practices and are implemented co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nsistently across all the local market risk units. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Measurement procedures are established in terms of the possible impact of negative market conditions on the trading portfolio of the Group&amp;#39;s Global Markets units, both under ordinary circumstances and in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;situations of heightened risk factors.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The standard metric used to measure market risk is Value at Risk (&amp;#8220;VaR&amp;#8221;), which indicates the maximum loss that may occur in the portfolios at a given confidence level (99%) and time horizon (one day). This statistic &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;value is widely used in the market and has the advantage of summing up in a single metric the risks inherent to trading activity, taking into account how they are related and providing a prediction of the loss that the trading book could sustain as a resul&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t of fluctuations in equity prices, interest rates, foreign exchange rates and credit spreads. The market risk analysis considers risks, such as credit spread, basis risk as well as volatility and correlation risk. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Most of the headings on the Group&amp;#39;s bal&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ance sheet subject to market risk are positions in the Group&amp;#180;s trading portfolio whose metric for measuring their market risk is VaR. This table shows the accounting lines of the consolidated balance sheet as of December 31, 2018, 2017 and 2016&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in which th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ere is a market risk in the Group&amp;#180;s trading and non-trading portfolios:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Headings of the balance sheet under market risk (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;December 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Others (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Others (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Others (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Assets subject to market risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57.486&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.459&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59.008&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;441&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.480&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.652&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.661&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.083&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.771&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;Of which: Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.559&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives - Hedging accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;688&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;829&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.415&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Liabilities subject to market risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.026&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42.468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47.491&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.223&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives - Hedging accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;910&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;638&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;689&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Includes mainly assets and liabilities managed by ALCO.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Although the prior table shows details of the financial positions subject to market risk, it &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;should be noted that the data are for information purposes only and do not reflect how the risk is managed in trading activity, where it is not classified into assets and liabilities.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With respect to the risk measurement models used in BBVA Group, the Bank&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of Spain has authorized the use of the internal model to determine bank capital requirements deriving from risk positions on the BBVA S.A. and BBVA Bancomer trading book, which jointly account for around 76%, 70% and 66% of the Group&amp;#8217;s trading-book market&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; risk as of December 31, 2018, 2017 and 2016. For the rest of the geographical areas (mainly South America, Garanti and BBVA Compass), bank capital for the risk positions in the trading book is calculated using the standard model.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The current management st&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ructure includes the monitoring of market-risk limits, consisting of a scheme of limits based on VaR, economic capital (based on VaR measurements) and VaR sub-limits, as well as stop-loss limits for each of the Group&amp;#8217;s business units. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The model used estim&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ates VaR in accordance with the &amp;quot;historical simulation&amp;quot; methodology, which involves estimating losses and gains that would have taken place in the current portfolio if the changes in market conditions that took place over a specific period of time in the p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ast were repeated. Based on this information, it infers the maximum expected loss of the current portfolio within a given confidence level. This model has the advantage of reflecting precisely the historical distribution of the market variables and not ass&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;uming any specific distribution of probability. The historical period used in this model is two years. The historical simulation method is used in BBVA S.A., BBVA Bancomer, BBVA Colombia, Compass Bank and Garanti.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:3,3pt;' &gt;VaR figures are estimated following two m&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ethodologies:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;VaR &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;without smoothing, which awards equal weight to the daily information for the previous two years. This is currently the official methodology for measuring market risks for the purpose of monitoring compliance with risk limits.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;VaR with sm&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;oothing, which gives a greater weight to more recent market information. This metric supplements&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; the previous one.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of Global Markets Argentina and Global Markets Peru a parametric methodology is used to measure risk in terms of VaR.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;At the sam&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e time, and following the guidelines established by the Spanish and European authorities, BBVA incorporates metrics in addition to VaR with the aim of meeting the Bank of Spain&amp;#39;s regulatory requirements with respect to the calculation of bank capital for t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he trading book. Specifically, the new measures incorporated in the Group since December 2011 (stipulated by Basel 2.5) are:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;VaR: In regulatory terms, the VaR charge incorporates the stressed VaR charge, and the sum of the two (VaR &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;and stressed VaR) is cal&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;culated. This quantifies the losses associated with the movements of the two risk factors inherent to market operations (interest rates, FX, RV, credit, etc.). Both VaR and stressed VaR are rescaled by a regulatory multiplier set at three and by the square&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; root of ten to calculate the capital charge.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Specific Risk: Incremental Risk Capital (&amp;#8220;IRC&amp;#8221;) Quantification of the risks of default and downgrading of the credit ratings&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; of the bond and credit derivative positions in the portfolio. The specific capital ri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;sk by IRC is a charge exclusively used in the geographical areas with the internal model approved (BBVA S.A. and Bancomer). The capital charge is determined according to the associated losses (at 99.9% in a 1-year horizon under the hypothesis of constant r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;isk) due to the rating migration and/or default state the issuer of an asset. In addition, the price risk is included in sovereign positions for the items specified.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Specific Risk: Securitization and correlation portfolios. Capital charge for securitizatio&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ns and the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;correlation&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; portfolio to include the potential losses associated at the level of rating a specific credit structure (rating). Both are calculated by the standard method. The scope of the correlation portfolios refers to the FTD-type market opera&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tion and/or tranches of market CDOs and only for positions with an active market and hedging capacity.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Validity tests are performed regularly on the risk measurement models used by the Group. They estimate the maximum loss that could have been incurred in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the positions with a certain level of probability (backtesting), as well as measurements of the impact of extreme market events on risk positions (stress testing). As an additional control measure, backtesting is conducted at trading desk level in order to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; enable more specific monitoring of the validity of the measurement models.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Market risk in 2018&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#8217;s market risk remains at low levels compared to other risks managed by BBVA, particularly in terms of credit risk. This is due to the nature of the b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;usiness. During the financial year 2018 the average VaR was &amp;#8364;21 million, below the figure of 2017, with a high on March 16, 2018 of &amp;#8364;26 million. The evolution in the BBVA Group&amp;#8217;s market risk during 2018, measured as VaR without smoothing (see Glossary) wit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;h a 99% confidence level and a &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1-day horizon&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; (shown in millions of Euros) is as follows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;By type of market risk assumed by the Group&amp;#39;s trading portfolio, the main risk factor for the Group continues to be that linked to interest rates, with a weight of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;5&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;5%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of the total at the end of year ended December 31, 2018 (this figure includes the spread risk). &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The relative weight has increased compared with the close of 2017 (&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;48%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;). Exchange-rate risk maintains its proportion with respect to 2017 (&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;14%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, while equity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, volatility and correlation risk have decreased, with a weight of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;31%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; at the close of 2018 (vs. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;38%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; at the close of 2017).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016 the balance of VaR was &amp;#8364;17 million, &amp;#8364;22 million and &amp;#8364;26 million, respectively. These figures&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; can be broken down as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;VaR by Risk Factor (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Interest/Spread Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Currency Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Stock-market Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Vega/Correlation Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Diversification Effect(*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR average in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR max in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR min in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;End of period VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:180,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR average in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR max in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR min in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;End of period VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:180,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;December 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR average in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR max in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR min in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;End of period VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  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&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; scenarios used in the measurement.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Validation of the model&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The internal market risk model is validated on a regular basis by backtesting in both BBVA S.A. and Bancomer. The aim of backtesting is to validate the quality and precision of the internal market&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; risk model used by BBVA Group to estimate the maximum daily loss of a portfolio, at a &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;99%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; level of confidence and a 250-day time horizon, by comparing the Group&amp;#39;s results and the risk measurements generated by the internal market risk model. These tests s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;howed that the internal market risk model of both BBVA, S.A. and Bancomer is adequate and precise.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Two types of backtesting have been carried out during 2018, 2017 and 2016:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&amp;quot;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Hypothetical&amp;quot; backtesting: the daily VaR is compared with the results obtained, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;not taking into account the intraday results or the changes in the portfolio positions. This validates the appropriateness of the market risk metrics for the end-of-day position.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&amp;quot;Real&amp;quot; backtesting&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;: the daily VaR is compared with the total results, includi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ng intraday transactions, but discounting the possible minimum charges or fees involved. This type of backtesting includes the intraday risk in portfolios.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, each of these two types of backtesting was carried out at the level of risk factor or b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;usiness type, thus making a deeper comparison of the results with respect to risk measurements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For the period between the year ended December 31, 2017 and the year ended December 31, 2018, the backtesting of the internal VaR calculation model was carried &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;out, comparing the daily results obtained to the estimated risk level by the internal VaR calculation model. At the end of the year the comparison showed the internal VaR calculation model was working correctly, within the &amp;quot;green&amp;quot; zone (&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;0-4 exceptions&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;), th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;us validating the internal VaR calculation model, as has occurred each year since the internal market risk model was approved for the Group. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Stress test analysis&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A number of stress tests are carried out on BBVA Group&amp;#39;s trading portfolios. First, global a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nd local historical scenarios are used that replicate the behavior of an extreme past event, such as for example the collapse of Lehman Brothers or the &amp;quot;Tequilazo&amp;quot; crisis. These stress tests are complemented with simulated scenarios, where the aim is to ge&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nerate scenarios that have a significant impact on the different portfolios, but without being anchored to any specific historical scenario. Finally, for some portfolios or positions, fixed stress tests are also carried out that have a significant impact o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n the market variables affecting these positions&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#222222;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Historical scenarios&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#222222;' &gt;The historical benchmark stress scenario for the BBVA Group is Lehman Brothers, whose sudden collapse &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#222222;' &gt;in September 2008 led to a significant impact on the behavior of financial markets &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#222222;' &gt;at a global level. The following are the most relevant effects of this historical scenario:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:6pt;margin-bottom:4pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Credit shock: reflected mainly in the increase of credit spreads and downgrades in credit ratings.&amp;#160;&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:6pt;margin-bottom:4pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Increased volatility in most of the financial markets (giving ri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;se to a great deal of variation in the prices of different assets (currency, equity, debt).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:6pt;margin-bottom:4pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Liquidity shock in the financial systems, reflected by a major movement in interbank curves, particularly in the shortest sections of the euro and dollar curves.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Si&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;mulated scenarios&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Unlike the historical scenarios, which are fixed and therefore not suited to the composition of the risk portfolio at all times, the scenario used for the exercises of economic stress is based on Resampling methodology. This methodology i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s based on the use of dynamic scenarios are recalculated periodically depending on the main risks held in the trading portfolios. On a data window wide enough to collect different periods of stress (data are taken from 1-1-2008 until today), a simulation i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s performed by resampling of historic observations, generating a loss distribution and profits to analyze most extreme of births in the selected historical window. The advantage of this resampling methodology is that the period of stress is not predetermin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed, but depends on the portfolio maintained at each time, and making a large number of simulations (10,000 simulations) allows a richer information for the analysis of expected shortfall than what is available in the scenarios included in the calculation o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f VaR.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The main features of this approach are: a) the generated simulations respect the correlation structure of the data, b) flexibility in the inclusion of new risk factors and c) to allow the introduction of a lot of variability in the simulations (desi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rable to consider extreme events).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The impact of the stress test under multivariable simulation of the risk factors of the portfolio (&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;' &gt;Expected shortfall &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;95% to 20 days) as of December 31, 2018 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,15pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Millions of Euros&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Peru&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Venezuela&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Argentina&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Compass&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Expected Shortfall&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(99)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.4.2   Structural risk&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Assets and Liabilities Committee (ALCO) is the main responsible body for the management of structural risks relating to liquidity/funding, interest rates, currency rates, equity and solvency. Every month, with the assistance of the CEO and representat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ives from the areas of Finance, Risks and Business Areas, this committee monitors the above risks and is presented with proposals for managing them for its approval. These management proposals are made proactively by the Finance area, taking into account t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he risk appetite framework and with the aim of guaranteeing recurrent earnings and financial stability and preserving the entity&amp;#39;s solvency. All the balance-sheet management units have a local ALCO, assisted constantly by the members of the Corporate Cente&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;r. There is also a corporate ALCO where the management strategies in the Group&amp;#39;s subsidiaries are monitored and presented.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Structural interest-rate risk&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The structural interest-rate risk (&amp;#8220;IRRBB&amp;#8221;) is related to the potential impact that variations in marke&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t interest rates have on an entity&amp;#39;s net interest income and equity. In order to properly measure IRRBB, BBVA takes into account the main sources that generate this risk: repricing risk, yield curve risk, option risk and basis risk, which are analyzed from&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; two complementary points of view: net interest income (short term) and economic value (long term)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;ALCO monitors the interest-rate risk metrics and the Assets and Liabilities Management unit carries out the management proposals for the structural balance&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; sheet. The management objective is to ensure the stability of net interest income and book value in the face of changes in market interest rates, while respecting the internal solvency and limits in the different balance-sheets and for BBVA Group as a who&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;le; and complying with current and future regulatory requirements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA&amp;#39;s structural interest-rate risk management control and monitoring is based on a set of metrics and tools that enable the entity&amp;#39;s risk profile to be monitored correctly. A wide range o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f scenarios are measured on a regular basis, including sensitivities to parallel movements in the event of different shocks, changes in slope and curve, as well as delayed movements. Other probabilistic metrics based on statistical scenario-simulating meth&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ods are also assessed, such as earnings at risk (&amp;#8220;EaR&amp;#8221;) and economic capital (&amp;#8220;EC&amp;#8221;), which are defined as the maximum adverse deviations in net interest income and economic value, respectively, for a given confidence level and time horizon. Impact threshol&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ds are established on these management metrics both in terms of deviations in net interest income and in terms of the impact on economic value. The process is carried out separately for each currency to which the Group is exposed, and the diversification e&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ffect between currencies and business units is considered after this. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In order to evaluate its effectiveness, the model is subjected to regular internal validation. In addition, the banking book&amp;#8217;s interest-rate risk exposures are subjected to different st&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ress tests in order to reveal balance sheet vulnerabilities under extreme scenarios. This testing includes an analysis of adverse macroeconomic scenarios designed specifically by BBVA Research, together with a wide range of potential scenarios that aim to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;identify interest-rate environments that are particularly damaging for the entity. This is done by generating extreme scenarios of a breakthrough in interest rate levels and historical correlations, giving rise to sudden changes in the slopes and even to i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nverted curves.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The model is necessarily underpinned by an elaborate set of hypotheses that aim to reproduce the behavior of the balance sheet as closely as possible to reality. Especially relevant among these assumptions are those related to the behavior &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of Non Maturity Deposits, for which stability and remuneration assumptions are established, consistent with an adequate segmentation by type of product and customer, and prepayment estimates (implicit optionality). The assumptions are reviewed and adapted,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; at least on an annual basis, to signs of changes in behavior, kept properly documented and reviewed on a regular basis in the internal validation processes.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The impacts on the metrics are assessed both from a point of view of economic value with a static &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;model (gone concern) and from the perspective of net interest income, for which a dynamic model (going concern) consistent with the corporate assumptions of earnings forecasts is used.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The table below shows the profile of average sensitivities to net inter&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;est income and value of the main banks in BBVA Group in 2018:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sensitivity to Interest-Rate Analysis - December 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25,5pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:196,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:196,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Impact on Net Interest Income (*)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:196,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:196,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Impact on Economic Value       (**)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;100 Basis-Point Increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;100 Basis-Point Decrease&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;100 Basis-Point Increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;100 Basis-Point Decrease&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Europe (***)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (5% - 10%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (5% - 10%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (5% - 10%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (5% - 10%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (5% - 10%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;BBVA Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Percentage of &amp;quot;1 year&amp;quot; net interest income forecast for each unit.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:3pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Percentage of Core Capital for each unit.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(***)  In Europe downward movement includi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ng rates below the current ones.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:5pt;margin-bottom:5pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In 2018 in Europe monetary policy has remained expansionary, maintai&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ning rates at 0% and the deposit rate at -0.4%. In USA the rising rate cycle initiated by the Federal Reserve in 2015 has continued. In Mexico and Turkey, the upward cycle has continued because of volatility of their currencies and inflation prospects. In &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;South America, monetary policy has continued to be expansive in most of the economies where the Group operates, with the exception of Argentina, where rates increased and actions were taken not to increase the monetary basis and slow the inflation.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBV&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;A Group maintains, overall a positive and moderate sensitivity in its net interest income to an increase in interest rates. The higher relative net interest income sensitivities are observed in, particularly Euro and USD. In Europe however, the decrease in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; interest rates is limited by the downward path scope in interest rates. The Group maintains a moderate risk profile, according to its target risk, through effective management of its balance sheet structural risk.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Structural exchange-rate risk &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In BBVA Gr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;oup, structural exchange-rate risk arises from the consolidation of holdings in subsidiaries with functional currencies other than the euro. Its management is centralized in order to optimize the joint handling of permanent foreign currency exposures, taki&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng into account the diversification. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The corporate Global ALM unit, through ALCO, designs and executes hedging strategies with the main purpose of controlling the potential negative effect of exchange-rate fluctuations on capital ratios and on the equival&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ent value in euros of the foreign-currency earnings of the Group&amp;#39;s subsidiaries, considering transactions according to market expectations and their cost.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The risk monitoring metrics included in the framework of limits are integrated into management and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; supplemented with additional assessment indicators. At corporate level they are based on probabilistic metrics that measure the maximum deviation in the Group&amp;#8217;s Capital, CET1 (&amp;#8220;Common Equity Tier 1&amp;#8221;) ratio, and net attributable profit. The probabilistic m&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;etrics make it possible to estimate the joint impact of exposure to different currencies taking into account the different variability in exchange rates and their correlations.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The suitability of these risk assessment metrics is reviewed on a regular basi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s through backtesting exercises. The final element of structural exchange-rate risk control is the analysis of scenarios and stress with the aim of identifying in advance possible threats to future compliance with the risk appetite levels set, so that any &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;necessary preventive management actions can be taken. The scenarios are based both on historical situations simulated by the risk model and on the risk scenarios provided by BBVA Research.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;2018 has been characterized by higher volatility levels of FX rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in emerging markets. As for the main currencies of the geographies where the Group operates, it is worth mentioning the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;appreciation of Mexican peso and US Dollar against the euro (around 5% in both cases)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, while Turkish lira and Argentinian peso have str&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ongly depreciated (&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;25%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;48%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, respectively) affected by idiosyncratic factors.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#39;s structural exchange-rate risk exposure level has remained fairly stable since the end of 2017.  The hedging policy intends to keep low levels of sensitivity to mov&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ements in the exchange rates of emerging currencies against the euro and focuses on Mexican peso and Turkish lira. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The risk mitigation level in capital ratio due to the book value of BBVA Group&amp;#39;s holdings in foreign emerging currencies stood at around 70% &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;and, as of the end of 2018, CET1 ratio sensitivity to the appreciation of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in the euro exchange rate for each currency is: &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;US Dollar +1.1 bps&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Mexican peso -0.2 bps&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Turkish Lira -0.2 bps&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;other currencies -0.2 bps&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. On the other hand, hedging of emerging&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;-currency denominated earnings of 2018 has reached an &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;82%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, concentrated in Mexican peso, Turkish lira and the main Latin American currencies.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Structural equity risk&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA Group&amp;#39;s exposure to structural equity risk stems basically from minority shareholdings&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in industrial and financial companies held with long or medium-term investment horizons. This exposure is modulated in some portfolios with positions held in derivative instruments on the same underlying assets, in order to adjust the portfolio sensitivit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;y to potential changes in equity prices.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The management of structural equity portfolios is a responsibility of the Group&amp;#39;s units specialized in this area. Their activity is subject to the risk management corporate policy on structural equity risk managemen&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t, complying with the defined management principles and Risk Appetite Framework.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#39;s risk management systems also make it possible to anticipate potential negative impacts and take appropriate measures to prevent damage being caused to the entity. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The risk control and limitation mechanisms are focused on the exposure, annual performance and economic capital estimated for each portfolio. Economic capital is estimated in accordance with a corporate model based on Monte Carlo simulations, taking into a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ccount the statistical performance of asset prices and the diversification existing among the different exposures. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Stress tests and analyses of sensitivity to different simulated scenarios are carried out periodically to analyze the risk profile in more d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;epth. They are based on both past crisis situations and forecasts made by BBVA Research. This checks that the risks are limited and that the tolerance levels set by the Group are not at risk.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Backtesting is carried out on a regular basis on the risk measur&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ement model used. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With regard to the equity markets, the world indexes have closed the year 2018 with generalized falls and volatility surges in a macro environment of global growth slowdown, increase of the political uncertainty and normalization of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;monetary policies.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Structural equity risk, measured in terms of economic capital, has decreased in the period mainly due to lower exposure. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The aggregate sensitivity of the BBVA Group&amp;#8217;s consolidated equity to a 1% fall in the price of shares of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;companies making up the equity portfolio remained at around &amp;#8364;-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;28&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&amp;#160;million as of December 31, 2018 and &amp;#8364;-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;32&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million as of December 31, 2017. This estimation takes into account the exposure in shares valued at market prices, or if not applicable, at fair valu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e (excluding the positions in the Treasury Area and the net delta-equivalent positions in derivatives on the same underlyings.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.4.3   Financial Instruments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;offset&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Financial assets and liabilities may be netted, i.e. they are presented for a net amount on&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the consolidated balance sheet only when the Group&amp;#39;s entities satisfy with the provisions of IAS 32-Paragraph 42, so they have both the legal right to net recognized amounts, and the intention of settling the net amount or of realizing the asset and simul&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;taneously paying the liability.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, the Group has presented as gross amounts assets and liabilities on the consolidated balance sheet for which there are master netting arrangements in place, but for which there is no intention of settling net. Th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e most common types of events that trigger the netting of reciprocal obligations are bankruptcy of the entity, surpassing certain level of indebtedness threshold, failure to pay, restructuring and dissolution of the entity.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the current market context, d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;erivatives are contracted under different framework contracts being the most widespread developed by the International Swaps and Derivatives Association (&amp;#8220;ISDA&amp;#8221;) and, for the Spanish market, the Framework Agreement on Financial Transactions (&amp;#8220;CMOF&amp;#8221;). Almos&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t all portfolio derivative transactions have been concluded under these framework contracts, including in them the netting clauses mentioned in the preceding paragraph as &amp;quot;Master Netting Agreement&amp;quot;, greatly reducing the credit exposure on these instruments&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. Additionally, in contracts signed with professional counterparties, the collateral agreement annexes called Credit Support Annex (&amp;#8220;CSA&amp;#8221;) are included, thereby minimizing exposure to a potential default of the counterparty.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Moreover, in transactions invol&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ving assets purchased or sold under a repurchase agreement there is a high volume transacted through clearing houses that articulate mechanisms to reduce counterparty risk, as well as through the signature of various master agreements for bilateral transac&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tions, the most widely used being the Global Master Repurchase Agreement (GMRA), published by International Capital Market Association (&amp;#8220;ICMA&amp;#8221;), to which the clauses related to the collateral exchange are usually added within the text of the master agreeme&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nt itself.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A summary of the effect of the compensation (via netting and collateral) for derivatives and securities operations is presented below as of December 31, 2018, 2017 and 2016:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:482.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Not Offset in the Consolidated Balance Sheets (D)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:60pt;' &gt;&lt;td style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Recognized (A)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Offset in the Consolidated Balance Sheets (B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount Presented in the Consolidated Balance Sheets (C=A-B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Cash Collateral Received/ Pledged&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount (E=C-D)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;49,908&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16,480&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33,428&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;613&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19.5pt;' &gt;&lt;td style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Reverse repurchase, securities borrowing and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28,074&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28,032&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28,022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(159)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;77,982&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;16,522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;61,460&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;53,046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7,959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;454&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;51,596&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17,101&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,788&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,682&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19.5pt;' &gt;&lt;td style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Repurchase, securities lending and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;43,035&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42,993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42,877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;94,631&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;17,143&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;77,487&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;67,901&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;6,822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;2,765&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Not Offset in the Consolidated Balance Sheets (D)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:91.5pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Recognized (A)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Offset in the Consolidated Balance Sheets (B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount Presented in the Consolidated Balance Sheets (C=A-B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Cash Collateral Received/ Pledged&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount (E=C-D)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;49,333&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11,584&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;37,749&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27,106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,202&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Reverse repurchase, securities borrowing and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26,426&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26,369&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26,612&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;141&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(384)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;75,759&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;11,641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;64,118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;53,717&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7,583&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;2,818&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:131.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;50,693&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11,644&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39,049&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27,106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,615&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Repurchase, securities lending and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;40,134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;40,078&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;40,158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(101)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;90,827&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;11,701&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;79,126&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;67,264&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;8,349&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3,514&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:39pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Not Offset in the Consolidated Balance Sheets (D)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:60pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Recognized (A)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Offset in the Consolidated Balance Sheets (B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount Presented in the Consolidated Balance Sheets (C=A-B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Cash Collateral Received/ Pledged&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount (E=C-D)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59,374&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,587&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;45,788&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32,146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,571&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,070&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19.5pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Reverse repurchase, securities borrowing and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25,833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22,921&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23,080&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;174&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(333)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;85,208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;16,499&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;68,709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;55,226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;6,745&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;6,738&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:131.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59,545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,080&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;45,465&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32,146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,272&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,047&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Repurchase, securities lending and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;49,474&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46,562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;47,915&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1,529)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;109,019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;16,991&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;92,027&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;80,061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7,448&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4,518&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.5    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Liquidity risk&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.5.1   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Liquidity risk management&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Management of liquidity and structural finance within the BBVA Group is based on the principle of the financial autonomy of the entities that make it up. This approach helps prevent and limit liquidity risk by reducing the Group&amp;#8217;s vulnerability in periods &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of high risk. This decentralized management avoids possible contagion due to a crisis that could affect only one or several BBVA Group entities, which must cover their liquidity needs independently in the markets where they operate. Liquidity Management Un&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;its (LMUs) have been set up for this reason in the geographical areas where the main foreign subsidiaries operate, an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d also for the parent BBVA S.A.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assets and Liabilities Management unit manages BBVA Group&amp;#39;s liquidity and funding. It plans and executes th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e funding of the long-term structural gap of each LMUs and proposes to ALCO the actions to adopt in this regard in accordance with the policies and limits establi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;shed by the Standing Committee.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As first core element, the Bank&amp;#39;s target in terms of liquidity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and funding risk is characterized through the Liquidity Coverage Ratio (LCR) and the Loan-to-Stable-Customer-Deposits (LtSCD) ratio. LCR is a regulatory measurement aimed at ensuring entities&amp;#8217; resistance in a scenario of liquidity stress within a time hor&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;izon of 30 days. BBVA, within its risk appetite framework and its limits and alerts schemes, has established a level of requirement for compliance with the LCR ratio both for the Group as a whole and for each of the Liquidity Management Units (LMUs) indivi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;dually. The internal levels required are geared to comply sufficiently and efficiently in advance with the implementation of the regulatory requirement &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of 2018, at a level above 100%.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;LCR ratio in Europe was applicable as from October 1, 2015. With an init&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ial 60% minimum requirement, progressively increased (phased-in) up to 100% in 2018. Throughout the year 2018, LCR level at BBVA Group has been above 100%. As of December 31, 2018, the LC&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;R ratio at Group level is 127%.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Although this regulatory requirem&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ent is mandatory at a Group level and Eurozone banks, all subsidiaries are above this minimum. In any case, it should be noted that liquidity excesses in subsidiaries are not deemed transferable when calculating the consolidated ratio. Taking into account &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the impact of these High Quality Liquid Assets excluded, LCR ratio would be &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;154%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, which is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;+27% above the Group&amp;#8217;s LCR&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.15pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;LCR main LMU&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Group &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;127%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;128%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Eurozone&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;151%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Bancomer&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;154%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;148%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Compass(*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;143%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;144%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;209%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;134%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Compass LCR calculated according to local regulation (Fed Modified LCR).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The LtSCD measures the relation be&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tween the net loans credit investment and stable customer deposits. The aim is to preserve a stable funding structure in the medium term for each of the LMUs making up BBVA Group, taking into account that maintaining an adequate volume of stable customer f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;unds is key to achie&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ving a sound liquidity profile.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Stable customer deposits are defined as the customer funds captured and managed by business units among their target customers. These funds usually show little sensitivity to market changes and are largel&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;y non-volatile in terms of aggregate amounts per transaction, thanks to customer linkage to the unit. Stable funds in each LMU are calculated by analyzing the behavior of the balance sheets of the different customer segments identified as likely to provide&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; stability to the funding structure, and by prioritizing an established relationship and applying bigger haircuts to the funding lines of less stable customers. The main base of stable funds is composed of deposits by retail individual customers and small &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;businesses.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For the purpose of establishing the (maximum) target levels for LtSCD in each LMU and providing an optimal funding structure reference in terms of risk appetite, GRM-Structural Risks identifies and assesses the economic and financial variables &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;that condition the funding structures in the various geographical areas.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The behavior of the indicators reflects that the funding structure remained robust in 2018, 2017 and 2016, in the sense that all the LMUs maintain levels of self-funding with stable c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ustomer funds higher than the required levels.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.15pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;LtSCD by LMU&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Group (average)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;106%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;110%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;113%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Eurozone&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;101%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;113%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Bancomer&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;114%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;109%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;113%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Compass&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;109%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;110%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;124%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other LMUs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;99%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;107%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The second core element in liquidity and funding risk management is to achieve proper diversification of the funding structure, avoiding excessive reliance on short-term funding and es&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tablishing a maximum level of short-term funding comprising both wholesale funding as well as funds from less stable non-retail customers. Regarding long-term funding, the maturity profile does not show significant concentrations, which enables adaptation &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the anticipated issuance schedule to the best financial conditions of the markets. Finally, concentration risk is monitored at the LMU level, with a view to ensuring the right diversification both per counte&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rparty and per instrument type.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The third elem&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ent promotes the short-term resilience of the liquidity risk profile, making sure that each LMU has sufficient collateral to address the risk of wholesale markets closing. Basic Capacity is the short-term liquidity risk management and control metric that i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s defined as the relationship between the available explicit assets and the maturities of wholesale liabilities and volatile funds, at different terms to one year, with special relevance being given to 30 and 90-day maturities.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Each entity maintains an ind&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ividual liquidity buffer, both Banco Bilbao Vizcaya Argentaria, S.A. and its subsidiaries, including BBVA Compass, BBVA Bancomer, Garanti Bank and the Latin American subsidiaries. The table below shows the liquidity available by instrument as of December 3&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1, 2018 and 2017 for the most significant entities based on prudential supervisor&amp;#8217;s information &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;(Commission Implementing Regulations (EU) 2017/2114 of November 9, 2017)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:479,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:479,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Eurozone&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Bancomer &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Compass &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Garanti Bank&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash and withdrawable central bank reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.506&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.666&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.633&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.677&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 1 tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29.938&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.995&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,95pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 2A tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;449&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;409&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;510&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,95pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 2B tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.040&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,95pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5.661&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.043&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;499&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;617&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,95pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non tradable assets eligible for central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.314&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,95pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Cumulated Counterbalancing Capacity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;66.594&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.475&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;16.024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.634&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10.946&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:479,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:479,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Eurozone (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Bancomer &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Compass &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Garanti Bank&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash and withdrawable central bank reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.634&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.649&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.692&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 1 tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.954&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.805&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.028&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.141&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 2A tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;418&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;753&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 2B tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.995&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;6.734&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.703&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;962&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.573&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non tradable assets eligible for central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.800&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Cumulated Counterbalancing Capacity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;66.703&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.644&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;15.983&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;13.359&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;13.828&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  Includes Spain, Portugal and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Rest of Eurasia.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Stress analyses are also a basic element of the liquidity and funding risk monitoring system, as they help anticipate deviations from the liquidity targets and limits set out in the risk appetite as well as establish tolerance ranges at di&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;fferent management levels. They also play a key role in the design of the Liquidity Contingency Plan and in defining the specific measures for action for realigning the risk profile.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For each of the scenarios, a check is carried out whether BBVA has suffic&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ient liquid assets to meet the liquidity commitments/outflows in the various periods analyzed. The analysis considers four scenarios, one core and three crisis-related: systemic crisis; unexpected internal crisis with a considerable rating downgrade and/or&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; affecting the ability to issue in wholesale markets and the perception of business risk by the banking intermediaries and the BBVA&amp;#39;s customers; and a mixed scenario, as a combination of the two aforementioned scenarios. Each scenario considers the followi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng factors: liquidity existing on the market, customer behavior and sources of funding, impact of rating downgrades, market values of liquid assets and collateral, and the interaction between liquidity requirements and the performance of the BBVA&amp;#39;s asset q&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;uality.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The results of these stress analyses carried out regularly reveal that BBVA has a sufficient buffer of liquid assets to deal with the estimated liquidity outflows in a scenario such as a combination of a systemic crisis and an unexpected internal c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;risis, during a period in general longer than 3 months for LMUs, including a major downgrade in the BBVA&amp;#39;s r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ating (by up to three notches).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Beside the results of stress exercises and risk metrics, Early Warning Indicators play an important role in the corp&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;orate model and also in the Liquidity Contingency Plan. These are mainly financing structure indicators, related to asset encumbrance, counterparty concentration, outflows of customer deposits, unexpected use of credit lines, and market indicators, which h&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;elp to anticipate potential risks and capture market expectations.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Below is a matrix of residual maturities by contractual periods based on supervisory prudential reporting as of December 31, 2018, 2017 and 2016&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15.75pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40,599&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;50,149&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in credit entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;141&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;178&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6,211&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,408&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;664&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;375&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,724&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;896&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10,515&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reverse repo, securities borrowing and margin lending&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21,266&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,655&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;805&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,352&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;390&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;210&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;27,539&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25,939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,347&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42,100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32,336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53,386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;120,571&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;349,334&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities&amp;#39; portfolio settlement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,148&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,823&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,592&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,423&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,533&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42,738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;96,501&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20.45pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,678&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,652&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,160&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,736&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,225&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,040&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;69,858&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,599&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,992&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;377&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,149&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;904&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;19,544&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions and international agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,327&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;458&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;302&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;781&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;304&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,692&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;21,258&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;252,630&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,514&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,625&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,217&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,345&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;350,518&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Security pledge funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46,489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,219&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,274&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,911&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;218&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,627&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;76,515&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(75)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(523)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(68)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(117)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(67)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(392)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(840)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:61.5pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27.75pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,029&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;39,208&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in credit entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;181&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,868&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7,488&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;758&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;796&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;447&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,029&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;681&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;806&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,975&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8,060&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reverse repo, securities borrowing and margin lending&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,979&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,689&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,921&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;426&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;727&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;26,354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21,203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,380&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43,973&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,383&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50,809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;123,568&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;358,028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities&amp;#39; portfolio settlement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,579&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,423&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,380&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,789&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,289&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,070&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,666&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;99,747&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:52.5pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,238&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,772&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30,162&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;76,535&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,863&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,082&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,335&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;930&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;765&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,429&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;21,512&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions and international agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,700&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,827&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,290&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;554&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,045&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;25,307&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;233,068&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45,171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,616&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,428&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,612&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,034&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;341,448&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Security pledge funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,284&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;396&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;973&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,009&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;338&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,697&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;65,668&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(110)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(116)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(135)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(117)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(336)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(106)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(419)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(1,448)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:61.5pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;37,016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in credit entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;991&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,068&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;155&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,087&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10,002&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;967&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;675&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;532&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;918&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;942&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7,608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reverse repo, securities borrowing and margin lending&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,232&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;523&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;428&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;22,826&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;591&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,272&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25,990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,318&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,613&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,956&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,093&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55,561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;133,589&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;370,195&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities&amp;#39; portfolio settlement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;708&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,566&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,688&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,312&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,010&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,662&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51,472&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;112,039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:52.5pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;419&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,380&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,943&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,463&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,967&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;85,397&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,762&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,365&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,181&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,104&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;800&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;746&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,156&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;859&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;24,862&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions and international agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,375&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,542&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,382&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,566&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,897&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,340&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;686&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;44,114&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;206,140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49,053&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25,522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,736&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,863&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,619&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,060&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;781&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;936&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;335,052&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Security pledge funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38,153&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,403&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,004&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,281&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,712&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;72,626&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2,123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(95)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(190)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(111)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(326)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(132)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(105)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(3,210)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The matrix shows the retail nature of the funding structure, with a loan portfolio being mostly funded by c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ustomer deposits (66%). On the outflows side of the matrix, the &amp;#8220;demand&amp;#8221; maturity bucket mainly contains the retail customer sight accounts whose behavior historically showed a high level of stability and littl&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e concentration. According to a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; behavior anal&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ysis which is done every year in every entity, this type of account is considered to be stable and for liquidity risk purposes, it is estimated that 78% have a maturity of more than 5 years.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the Euro Liquidity Management Unit (LMU), solid liquidity and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;funding situation, where activity has continued to generate liquidity through the decrease of Credit Gap&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;In addition, during 2018 the Euro LMU made 3 issues in the public market for &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;3,500&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Senior Non Preferred (&amp;#8220;SNP&amp;#8221;) at 5 years for &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,500&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; millio&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n, Green bond SNP at 7 years for &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,000&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million and AT1 for &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,000&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, which&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; have allowed it to obtain long-term funding at favorable price conditions. These public operations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; have been complemented by a private issue T2 for USD &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;300&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In Mexico&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, sound liquidity position despite the market volatility, the Credit Gap has increased in 2018 due to a minor increase in deposits mainly because of the outflows of non-profitable USD deposits. During the financial year 2018, BBVA Bancomer made a local Tie&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;r II issuance on international markets for USD &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,000&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million as well as an issuance on the local market for &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;7,000&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million of Mexican pesos in 2 tranches: at 3 and 5 years, being the 3 years tranche the first Green Bond issued by a private bank.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the Unit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed States, the containment of the cost of liabilities has led to a slightly increase in the credit gap. During the financial year 2018, BBVA Compass successfully issued 3 year senior debt for USD &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,150&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In Turkey an adequate liquidity situation is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;maintained, after having been affected by the currency volatility at the beginning of the second semester. Despite this, Garanti showed a good performance with the roll-over of the 2018 maturities of corporate funding. The main operations during the year w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ere two syndicated loans for USD &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2,300&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, the first Green Bond at 6 years for USD &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;75&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;future flows securitization&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; (Diversified Payment Rights) for USD &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;375&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million at 7 years.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Argentina was affected by the market volatility but no relevant &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impact on the liquidity situation of the entity has been noted. BBVA Franc&amp;#233;s maintains a solid liquidity situation distinguished by a major volume of cash reserves.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The liquidity position of the rest of subsidiaries has continued to be sound, maintaining a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; solid liquidity position in all the jurisdictions in which the Group operates. Access to capital markets of these subsidiaries has also been maintained with recurring issuances in the local market.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In this context, BBVA has maintained its objective of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; strengthening the funding structure of the different Group entities based on growing their self-funding from stable customer funds, while guaranteeing a sufficient buffer of fully available liquid assets, diversifying the various sources of funding availa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ble, and optimizing the generation of collateral available for dealing with stress situations in the markets.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.5.2   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;Asset encumbrance&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, the encumbered (those provided as collateral for certain liabilities) and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;unencumbered assets are broken down as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,864&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,864&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,485&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32,216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82,209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82,209&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;74,928&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;478,880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#000000;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#000000;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#000000;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#000000;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,297&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,297&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,616&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,616&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28,700&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29,798&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84,391&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;79,604&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;485,451&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,022&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40,114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39,972&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90,679&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90,679&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;94,718&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;495,109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The committed value of &amp;quot;Loans and Advances and other assets&amp;quot; corresponds mainly to loans linked to the issue of covered bonds, ter&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ritorial bonds or long-term securitized bonds (see Note 22.3) as well as those used as a guarantee to access certain funding transactions with central banks. Debt securities and equity instruments correspond to underlying that are delivered in repos with d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ifferent types of counterparties, mainly clearing houses or credit institutions, and to a lesser extent central banks. Collateral provided to guarantee derivative transactions is also included as committed assets.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;llateral pledge mainly due to repurchase agreements and securities lending, and those which could be committed in order to obtain funding are provided below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:484.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:484.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018. Collateral received (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:72.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of encumbered collateral received or own debt securities issued&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of collateral received or own debt securities issued available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Nominal amount of collateral received or own debt securities issued not available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Collateral received&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;27,474&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5,633&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;319&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27,385&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,542&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;300&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Own debt securities issued other than own covered bonds or ABSs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017. Collateral received (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:72.75pt;' &gt;&lt;td style='width:249.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of encumbered collateral received or own debt securities issued&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of collateral received or own debt securities issued available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Nominal amount of collateral received or own debt securities issued not available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:249.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Collateral received&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;23,881&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9,630&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:249.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:249.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,715&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,619&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:249.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;80&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:249.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Own debt securities issued other than own covered bonds or ABSs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:484.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:484.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016. Collateral received (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:72.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of encumbered collateral received or own debt securities issued&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of collateral received or own debt securities issued available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Nominal amount of collateral received or own debt securities issued not available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Collateral received&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;19,921&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10,039&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;173&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,863&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;144&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Own debt securities issued other than own covered bonds or ABSs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The guarantees recei&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ved in the form of reverse repurchase agreements or security lending transactions are committed by their use in repurchase agreements, as is&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the case with debt securities.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, financial liabilities issued related to encu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;mbered assets in financial transactions as well as their book value were as follows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:482.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018. Sources of encumbrance (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:101.25pt;' &gt;&lt;td style='width:327.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Matching liabilities, contingent liabilities or securities lent&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets, collateral received and own&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;debt securities issued other than covered bonds and ABSs encumbered&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:327.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Book value of financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;113,498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;131,172&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:327.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,972&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,036&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:327.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;85,989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;97,361&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:327.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Outstanding subordinated debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,775&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:327.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other sources&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3,972&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4,330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:484.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:484.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017. Sources of encumbrance (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30.6pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Matching liabilities, contingent liabilities or securities lent&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets, collateral received and own&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;debt securities issued other than covered bonds and ABSs encumbered&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Book value of financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;118,704&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;133,312&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87,484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98,478&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Outstanding subordinated debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,377&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,732&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other sources&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;1,028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016. Sources of encumbrance (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40.5pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Matching liabilities, contingent liabilities or securities lent&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets, collateral received and own&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;debt securities issued other than covered bonds and ABSs encumbered&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Book value of financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;134,387&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;153,632&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,304&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,794&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96,137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108,268&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Outstanding subordinated debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28,946&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,569&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other sources&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2,594&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.6    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Operational Risk&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA defines operational risk (&amp;#8220;OR&amp;#8221;) as any risk that could result &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in losses caused by human errors, inadequate or faulty internal processes, misconduct with clients or in the markets, failures, disruptions or deficiencies of systems or communications, inadequate data management, legal risks and, lastly, from external eve&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nts, including cyberattacks, frauds committed by third parties, disasters and an unsatisfactory&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; service provided by suppliers.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Operational risk management is oriented towards the identification of the root causes to avoid their occurrence and mitigate &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;possible consequences. This is carried out through the establishment of mitigation plans and control frameworks aimed at minimizing resulting losses and their impact on the recurrent generation of income and the profit of the Group. Operational risk manage&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ment is integrated into the global risk management structure of the BBVA Group.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This section addresses general aspects of operational risk management as the main component of non-financial risks. However, sections devoted to conduct and compliance risk and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; to cybersecurity risk management ar&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e also included in this report.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Operational Risk Management Principles&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group is committed to preferably applying advanced operational risk management models, regardless of the capital calculation regulatory mode&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;l applicable at the time. Operational risk management at the BBVA Group shall:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Be in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;line&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; with the Risk Appetite Framework approved by BBVA&amp;#39;s Board of Directors.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Meet BBVA&amp;#8217;s management needs arising from compliance with rules, regulation, industry standard&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;s and from decisions or positions taken by the governing bodies of the Group.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Predict potential operational risks to which the Group shall be exposed as a result of the emergence or changes on new products, activities, processes or systems and services pro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;curement or outsourcing decisions; and establish mechanisms to achieve a reasonable assessment and mitigation before implementation, in addition to a regular review on all existing processes.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Establish methodologies, procedures and indicators to regularly &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;reassess the relevant operational risks to which the Group is exposed to implement the most appropriate mitigation measures in each case, once the identified risk and the mitigation cost have been considered (cost-benefit analysis) and preserving the solve&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ncy of the Group at all times.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Seek the causes behind the operational events suffered by the Group and establish the appropriate redressing measures (always considering the cost-benefit analysis). To that end, procedures for analyzing operational events mu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;st be in place, in addition to mechanisms to capture the potential operational losses resulting from those events.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Analyze the public events with significant operational risk in other entities and to promote, if applicable, the implementation of the approp&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;riate measures to avoid its occurrence in the Group.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Identify, analyze and try to quantify events with a low probability of occurrence and a high impact that, due to their exceptional nature, may not be included in the loss database or, if included, with n&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ot highly representative impacts, in order to assess possible mitigation measures.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Have an effective governance on which the functions and responsibilities of the Areas and Bodies intervening in OR management are clearly defined.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Irrespective of the implem&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;entation of all the possible measures and controls designed to avoid or mitigate the frequency and severity of OR events, BBVA ensures at all times the capital required to face potential expected or unexpected losses.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Operational risk control and manageme&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#094FA4;' &gt;nt model&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The operational risk management cycle at BBVA is similar to the one implemented for the rest of risks. Its elements are:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Planning&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Operational risk forms part of the risk appetite framework of the Group and includes three types of metrics: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Economic capital calculated with the operational losses database of the Group and the industry, considering the corresponding diversification effects and the additional estimation of potential and emerging risks through stress scenarios designed for the ma&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;in types of risks. The economic capital is regularly calculated for the main banks of the group and simulation capabilities are available to anticipate the impact of changes on the risk profile or new potential events.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;IRO metrics (operational risk losses &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;vs. gross income) broken down by geography, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;business area and type of risk.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In addition, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;work&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; is in progress on the implementation in the entire group of a common and more granular scheme of metrics that covers the main types of operational risks.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Operatio&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;nal risk admission&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The main purposes of the operational risk admission phase are the following:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Anticipate potential operational risks to which the Group would be exposed with the emergence of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;new&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; initiatives (new business, product, outsourcing, process transformation, new systems, etc.) or changes in those initiatives in place.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Ensure&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; that the implementation is carried out once the appropriate mitigation measures have been adopted, among others ri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;k insurance, where appropriate.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Corporate Policy on Operational Risk Management and Control sets out the specific operational risk admission framework through different committees, at a corporate and Business Area level, that follow a delegation struc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ture based on the risk level of proposed initiatives.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Operational risk monitoring&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The purpose of this phase is to check that the target operational risk profile of the group is within the authorized limits. Operational risk monitoring considers 2 scopes:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;M&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;onitoring the operational risk admission process, oriented towards checking that accepted risks &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; are within the limits and that defined controls are effective.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Monitoring the operational risk &amp;#8220;stock&amp;#8221; linked to the processes, in order to carry out a r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;egular &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;reassessment&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; to confirm that residual risks and target risk are reasonably aligned and, if not, to implement action plans to red&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ress gaps to the desired level.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This process is supported by a corporate Governance, Risk &amp;amp; Compliance tool that monitors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; OR at a local level and its aggregation at a corporate level.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, and in line with the best practices and recommendations provided by the BIS, BBVA has procedures to collect the operational losses occurred in the different entities of the Group a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nd in other financial groups, with the appropriate level of detail to carry out an effective analysis that provides useful information for management purposes. To that end, a corporate tool implemented in all the countries of the Group is used.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Operationa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;l risk mitigation&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Several cross-sectional operational risk plans have been promoted over the last two years for the entire BBVA Group to encourage a forward-looking management of these risks. To that end, focuses have been identified from events, self-asse&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ssments and recommendations from auditors and supervisors in different geographies, both in the Group and the industry, thereby analyzing the best practices and fostering comprehensive action plans to strengthen and standardize the control environment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;One&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of the core plans is outsourcing management, which is an increasingly important subject in the Group, the industry and the regulatory environment. Some of the different initiatives launched under this scheme are summarized below:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Strengthening&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; the admissi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;on process of these initiatives and their con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;trol and monitoring frameworks.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;New&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; internal regulation comprising the best practices of the industry.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Integration&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; in the 3 lines of defense control model: roles and responsibilities in each phase of it&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;s life cy&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;cle.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Risk &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;management&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;f the service and the supplier.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Review&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; of its governance process, which is included in operational risk governance, and escalation criteria.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Adaptation&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; of the managemen&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;t tool to the new requirements.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Internal communication process and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; training between outsourcing units and senior management, including &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;these&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; issues on the agenda of the main control committees of the Group.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This plan will still be promoted in the year 2019 with a focus on a review of the most significant outsourcing stoc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;k.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Governance of Non-financial risks&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The non-financial risks governance model at the BBVA Group is based on two components:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;three&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; lines of defense control model, in accordance with the best practices of the industry and through which compliance with &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the most advanced standards in terms of operational risk internal control is ensured.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Scheme&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; of Corporate Assurance Committees and Operational Risk and Internal Control Committees at the level of the different business areas.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Corporate Assurance establishe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s a structure of corporate and local committees that provides Senior &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Management with a comprehensive and consistent view of the most relevant non-financial risks. The purpose&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; is to ensure a forward-looking and prompt decision-making process for the mitigat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ion or taking of the major risks both at a local level and at the l&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;evel of the consolidated Group.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, the Non-Financial Risks unit periodically reports the Risk Committee of the Board on the situation of non-financial risks management in the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Group.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;7.7    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Risk concentration&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Policies for preventing excessive risk concentration &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In order to prevent the build-up of excessive risk concentrations at the individual, sector and portfolio levels, BBVA Group maintains updated maximum permitted risk co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ncentration indices which are tied to the various observable variables related to concentration risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Together with the limits for individual concentration, the Group uses the Herfindahl index to measure the concentration of the Group&amp;#39;s portfolio and the b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;anking group&amp;#39;s subsidiaries. At the BBVA Group level, the index reached implies a &amp;quot;very low&amp;quot; degree of concentration.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The limit on the Group&amp;#8217;s exposure or financial commitment to a specific customer therefore depends on the customer&amp;#8217;s credit rating, the na&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ture of the risks involved, and the Group&amp;#8217;s presence in a given market, based on the following guidelines:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The aim is, as much as possible, to reconcile the customer&amp;#39;s credit needs (commercial/financial, short-term/long-term, etc.) with the interests of th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e Group.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Any legal limits that may exist concerning risk concentration are taken into account (relationship between risks with a customer and the capital of the shareholder&amp;#180;s entity that assumes them), the markets, the macroeconomic situation, etc.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Risk &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;concentrations by geography&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the main figures in the most significant foreign currencies in the accompanying consolidated balance sheets is set forth in Appendix IX.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Sovereign risk concentration &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Sovereign risk management&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The risk associate&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d with the transactions involving sovereign risk is identified, measured, controlled and tracked by a centralized unit integrated in the BBVA Group&amp;#8217;s Risk Area. Its basic functions involve the preparation of reports in the countries where sovereign risk ex&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ists (called &amp;#8220;financial programs&amp;#8221;), tracking such risks, assigning ratings to these countries and, in general, supporting the Group in terms of reporting requirements for any transactions involving sovereign risk. The risk policies established in the finan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cial programs are approved by the relevant risk committees.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The country risk unit tracks the evolution of the risks associated with the various countries to which the Group are exposed (including sovereign risk) on an ongoing basis in order to adapt its ri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sk and mitigation policies to any macroeconomic and political changes that may occur. Moreover, it regularly updates its internal ratings and forecasts for these countries. The methodology is based on the assessment of quantitative and qualitative paramete&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rs which are in line with those used by certain multilateral organizations such as the International Monetary Fund (IMF) and the World Bank, rating agencies and export credit organizations.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For additional information on sovereign risk in Europe see Appendi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;x IX.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Valuation and impairment methods&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The valuation methods used to assess the instruments that are subject to sovereign risks are the same ones used for other instruments included in the relevant portfol&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ios and are detailed in Note 8.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Specifically, the f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;air value of sovereign debt securities of European countries has been considered equivalent to their listed price in active markets (Level 1 as defined in Note 8).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Risk related to the developer and Real-Estate sector in Spain&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The relative weight of the inv&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;estment in Real Estate developments has dramatically decreased during the last years, especially since 2014. A corporate sales policy has been rolled out to eliminate those real estate assets from the balance sheet which have been most difficult to be comm&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ercialized. The sales of 80% of the Group&amp;#8217;s share in Divarian and of other performing and NPL wholesale portfolios to Funds and specialized investors have been some of the most relevant transactions (see Note 3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Policies and strategies established by the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt;Group to deal with risks related to the developer and real-estate sector&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA has teams specializing in the management of the Real-Estate Sector risk, given its economic importance and specific technical component. This specialization is not only in the Ri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sk-Acceptance teams, but throughout the handling, commercial, problem risks and legal, etc. It also includes the research department of the BBVA Group (BBVA Research), which helps determine the medium/long-term vision needed to manage this portfolio.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;olicies established to address the risks related to the developer and real-estate sector, aim to accomplish, among others, the following objectives: to avoid concentration in terms of customers, products and regions; to estimate the risk profile for the po&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rtfolio; and to anticipate possible worsening of the portfolio within a sector is highly cyclic&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Specific policies for analysis and admission of new developer risk transactions&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the analysis of new operations, the assessment&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of the commercial operation in terms of the economic and financial viability of the project has been one of the constant.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The monitoring of the work, the sales and the legal situation of the project are essential aspects for the admission and follow-up of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; new real estate operations. With regard the participation of the Risk Acceptance teams, they have a direct link and participate in the committees of areas such as Valuation, Legal, Research and Recoveries. This guarantees coordination and exchange of info&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rmation in all the processes.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following strategies have been implemented with customers in the developer sector: avoidance of large corporate transactions, which had already reduced their share in the years of greatest market growth. Additionally, very&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; restrictive limits have been established for the second-home market and for the of land operations. Feasibility studies, at project level, are performed by doing a contrast analysis in the pre-commercialization phase, with an appropriate funding cycle and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in locations with low commercialization risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Risk monitoring policies&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The base information for analyzing the real estate portfolios is updated monthly. The tools used include the so-called &amp;#8220;watch-list&amp;#8221;, which is updated monthly with the progress of each&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; client under watch, and the different strategic plans for management of special groups. There are plans that involve an intensification of the review of the portfolio for financing land, while, in the case of ongoing promotions, they are classified based &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;on the rate of progress of the projects. This implies a comparison of the progress of the work and the sales, including a scoreboard which enables the persons in charge to detect timely any deviation from the project&amp;#8217;s initial plan.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These actions have enab&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;led BBVA to identify possible impairment situations, by always keeping an eye on BBVA&amp;#8217;s position with each customer (whether or not as first creditor). In this regard, key aspects include management of the risk policy to be followed with each customer, con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tract review, improved collateral and rate review (repricing. Since 2013, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;there are no threats o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f new defaults in the portfolio&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Proper management of the relationship with each customer requires knowledge of various aspects such as an analysis of the compan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;y&amp;#8217;s future viability, the updating of the information on the debtor and the guarantors (their current situation and business course, economic-financial information, debt analysis and generation of funds), and the updating of the appraisal of the assets off&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ered as collateral.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The volume of restructurings during the last period has b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;een very low, being close to 0.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Policies applied in the management of real estate assets in Spain&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Regarding the financing of real estate, a new regulation has been updated in 2018&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in which recommendations for the promotion of residential real estate are established.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The recommendations represent guidelines about how to manage the credit admission activity of BBVA Group entities based on best practices of markets in which this activ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ity is performed. It is expected that a high percentage of the current transactions will be in compliance with the latter.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The guidelines apply to new transactions with clients which are not classified as impaired or Watchlist (WL1 or WL2).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The policies de&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;riving from the guidelines foresee a prudential intervention in a market which has changed its cycle in almost all of the geographies and which is showing a more sustainable behavior in terms of demography, employment and economic and investment capacities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For quantitative information about the risk related to the developer and Real-Estate sector in Spain see Appendix IX.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFinancialRiskManagementExplanatory>
  <ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory id="ID_14" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;9.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Cash, cash balances at central banks and other demands deposits&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under the heading &amp;#8220;Cash, cash balances at central banks and other demands deposits&amp;#8221; in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash on hand&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.346&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.220&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.413&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash balances at central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43.880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.718&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.671&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.742&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.955&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;58.196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;42.680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;40.039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory>
  <ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory id="ID_15" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;10.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Financial assets and liabilities held for trading&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;10.1   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Breakdown of the balance&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:486pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:486pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets and Liabilities Held-for-Trading (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30.536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35.265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42.955&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25.577&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.166&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances &lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total  Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;90.117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;64.695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;74.950&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43.118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Short positions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.025&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.556&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37.934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total  Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;80.774&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;46.182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;54.675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8220;Short positions&amp;#8221; include &amp;#8364;10,255 million &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;held with General governments.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;10.2   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Debt securities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown by type of issuer of the balance under this heading in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets Held-for-Trading. Debt securities by issuer (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Issued by Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.001&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.371&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Issued by public administrations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.950&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.344&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.621&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Issued by financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;816&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.349&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;25.577&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;27.166&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;10.3   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Loans and advances&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets Held-for-Trading. Loans and advances (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Reverse repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.566&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Reverse repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;13.305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Reverse repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;11.794&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28.750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;10.4   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Equity instruments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:19,15pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets Held-for-Trading. Equity instruments by Issuer (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Shares of Spanish companies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;576&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;617&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;781&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other sectors&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;603&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;956&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.220&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.737&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Shares of foreign companies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;304&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;345&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;220&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other sectors&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.838&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.236&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.718&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.939&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;10.5   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Deposits&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Liabilities Held-for-Trading. Deposits (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from central banks (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;10.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;10.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from credit institutions (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;15.687&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;14.839&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from customers (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;11.736&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;11.466&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;37.934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;10.6   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Derivatives&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The derivati&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ves portfolio arises from the Group&amp;#8217;s need to manage the risks it is exposed to in the normal course of business and also to market products amongst the Group&amp;#8217;s customers. As of December 31, 2018, 2017 and 2016, trading derivatives were mainly contracted i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n over-the-counter (OTC) markets, with counterparties, consisting primarily of foreign credit institutions, and are related to foreign-exchange, interest-rate and equity risk. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Below is a breakdown of the net positions by transaction type of the fair value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and notional amounts of derivatives recognized in the accompanying consolidated balance sheets, divided into organized and OTC markets:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives by type of risk / by product or by type of market -  December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notional amount - Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;19.147&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;18.769&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.929.371&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.940&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.413&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;207.107&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.206&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16.356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.702.909&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.092&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.263&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.799&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.956&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;114.184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;341&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32.906&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.693&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.492&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;72.062&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.524&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;8.355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;9.693&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;432.283&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.293&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.329&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;405.659&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.286&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;232&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;393&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;25.452&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit default swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.791&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit spread option&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;500&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Total return swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.161&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;DERIVATIVES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;30.536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;31.815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;3.501.358&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;16.979&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;18.729&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;897.384&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;7.372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;7.758&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;2.355.784&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;4.005&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;2.780&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;148.917&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives by type of risk / by product or by type of market -  December 2017 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notional amount - Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;22.606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;22.546&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.152.490&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.429&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;212.554&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20.177&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.965&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.916.920&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;600&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.416&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;1.778&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;95.573&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;495&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34.140&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.158&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.200&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48.644&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.631&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;10.371&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;10.729&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;380.404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;245&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;258&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.447&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.092&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.430&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;348.857&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;104&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.997&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;517&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;30.181&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit default swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;480&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.942&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit spread option&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;200&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Total return swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;561&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;DERIVATIVES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;35.265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;36.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.659.246&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;21.016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;22.804&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;898.209&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;8.695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;9.207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.548.919&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.316&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.986&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;128.722&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives by type of risk / by product or by type of market -  December 2016 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notional amount - Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;25.770&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;25.322&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;1.556.150&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.331&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.428&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;217.958&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.296.183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.311&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.698&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.032&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;90.655&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;718&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.224&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44.837&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.312&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;937&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.795&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.712&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;14.872&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;15.179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;425.506&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;539&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.583&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;392.240&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;175&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.508&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;338&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;19.399&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit default swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.788&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit spread option&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;150&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Total return swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.895&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.565&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;169&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;1.065&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;DERIVATIVES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;42.955&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;43.118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.092.945&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;26.438&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;28.005&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;806.096&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;8.786&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;9.362&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.023.174&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;6.404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;175.473&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory>
  <bbva:Disclosureofnontradingfinancialassetsmndatoryatfairvaluethroughprofitorlossexplanatory id="ID_16" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;11. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:22,5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,25pt;' &gt;&lt;td style='width:381,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:381,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:381,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:381,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.095&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:381,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:381,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:381,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.803&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:381,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#004481;border-color:Black;min-width:381,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.135&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This heading is included with the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;implementation of IFRS 9 on January 1, 2018. Previously, this category did not exist in IAS 39 (see Note 2.2.1 and 2.3).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofnontradingfinancialassetsmndatoryatfairvaluethroughprofitorlossexplanatory>
  <ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory id="ID_17" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;12.  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Financial assets and liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets and liabilities designated at fair value through profit or loss (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.888&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.920&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Unit-linked products&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.749&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;266&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;174&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.062&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;976&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.858&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Unit-linked products&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With the implementation of IFRS 9 on &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;January 1, 2018, equity instruments under this heading have been reclassified to the heading: &amp;#8220;Non-trading financial assets mandatorily at fair value through profit or loss&amp;#8221; (see Note 11).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, the most significant &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;balances within financial liabilities designated at fair value through profit or loss related to assets and liabilities linked to insurance products where the policyholder bears the risk (&amp;quot;Unit-Link&amp;quot;). This type of product is sold only in Spain, through BB&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;VA Seguros S.A., insurance and reinsurance and in Mexico through Seguros Bancomer S.A. de CV.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Since the liabilities linked to insurance products in which the policyholder assumes the risk are valued the same way as the assets associated to these insurance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;products, there is no credit risk component borne by the Group in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; relation to these liabilities.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory>
  <bbva:Amortizationrate id="ID_18" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Depreciation Rates for Tangible Assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:432,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Type of Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Annual Percentage&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Buildings for own use&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1% - 4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Furniture&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8% - 10%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fixtures&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6% - 12%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Office supplies and hardware&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8% - 25%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Amortizationrate>
  <bbva:Gpiargentina id="ID_19" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;text-decoration:underline;color:#000000;' &gt;General Price Index &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;GPI&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Average GPI&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Inflation of the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Gpiargentina>
  <bbva:Disclosureoffinancialassetsatamortisedcost id="ID_20" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;14. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;14.1  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Balance details&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;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:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at amortized cost (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December      &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;32.530&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;24.093&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;28.905&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.941&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7.300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8.894&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;26.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;31.373&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;374.027&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;387.621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;414.500&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.645&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.173&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;163.922&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;164.510&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;172.522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;173.293&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;419.660&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;445.275&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;483.672&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During financial year 2018, there have been no significant reclassifications neither from &amp;#8220;Financial assets at amortized cost&amp;#8221; to other headings or from other headings to &amp;#8220;Financial assets at amortized cost&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;14.2  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Loans&lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt; and advances to central banks and credit institutions&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated balance sheets, according to their nature, is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances to Central Banks and Credit Institutions (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.941&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.894&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.373&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Reverse repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;478&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.861&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.561&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.812&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.104&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;33.561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;40.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;7.3.5 / 7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(43)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;14.3  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated balance sheets, according to their nature, is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances to Customers (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.560&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.445&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16.596&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.753&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.650&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.442&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.554&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.291&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;324.767&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;313.336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;339.862&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.794&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.306&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;374.027&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;387.621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;414.500&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Impaired assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;7.3.5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;16.349&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;19.390&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;22.915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;7.3.5 / 7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(12.199)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(12.748)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(15.974)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, 38%, 38% and 34%, respectively, of &amp;quot;Loans and advances to customers&amp;quot; with maturity greater than one year have fixed-interest rates and 62%, 62% and 66%, respectively, have variable interest rates.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Financ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ial assets at amortized cost &amp;#8211; Loans and advances to customers&amp;#8221; in the accompanying consolidated balance sheets also includes certain secured loans that, as pursuant to the Mortgage Market Act, are linked to long-term mortgage-covered bonds. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This heading &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;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:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17,1pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securitized Loans (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securitized mortgage assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.556&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.950&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29.512&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other securitized assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.143&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.731&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29.777&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;33.093&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;33.243&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;14.4  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Debt securities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balanc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e under this heading in the accompanying consolidated balance sheets, according to the issuer of the debt securities, is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,6pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:#000000;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25.014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.030&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20.736&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;644&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.688&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other sectors &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.872&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.911&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.481&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;32.530&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;24.093&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28.905&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(51)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, the credit ratings of the issuers of debt securities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;classified as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.15pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:481.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at amortized cost. Debt Securities by Rating&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.9pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:46.9pt;' &gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying amount&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying amount&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying amount&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AAA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.2%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,969&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.1%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.2%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.9%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.1%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.8%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42.7%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41.2%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,472&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59.2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,412&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.5%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;591&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,818&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20.5%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,187&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20.45pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB+ or below&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,371&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Without rating&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.5%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,064&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.7%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,270&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;32,530&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100.0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13,754&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100.0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;17,696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100.0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In 2016, according to the applicable accounting policy, some debt securities were reclassified between existing accounts from such policy (from &amp;#8220;Available for sale financial assets&amp;#8221; to &amp;#8220;Loans and receivables&amp;#8221;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8220;Held-to-maturity investments&amp;#8221; of the consolidated balance sheet. As mentioned in Note 1.3, on January 1, 2018, IFRS 9 became effective, therefore, the debt securities previously reclassified are recorded under &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8220;Financial assets at amortized cost&amp;#8221; in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the consolidated balance sheet as of December 31, 2018. The following table shows the fair value and carrying amounts of these reclassified financial assets:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.9pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities reclassified (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;As of Reclassification date&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;As of December 31, 2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;As of December 31, 2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;As of December 31, 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,467&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,486&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,236&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,498&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;TURKIYE GARANTI BANKASI, A.S&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,488&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,488&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,859&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,381&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18,512&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18,512&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,154&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12,617&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12,678&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,663&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,581&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, the amount recognized in the inco&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;me 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 &amp;#8220;Total Equity - Accumulated other comprehensive income&amp;#8221;, if the reclassification was not &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;performed is included in the following table.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.45pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:480pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Effect on Income Statement and Other Comprehensive Income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Recognized in&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Effect of not Reclassifying in&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Recognized in&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Effect of not Reclassifying in&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Recognized in&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Effect of not Reclassifying in&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:39pt;' &gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Equity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&amp;quot;Accumulated other comprehensive income&amp;quot;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Equity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&amp;quot;Accumulated other comprehensive income&amp;quot;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Equity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&amp;quot;Accumulated other comprehensive income&amp;quot;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;BBVA, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;198&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;198&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(14)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;TURKIYE GARANTI BANKASI, A.S&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;414 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;414 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(172)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(225)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.45pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(173)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;743&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;743&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(30)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(316)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoffinancialassetsatamortisedcost>
  <ifrs-full:DisclosureOfFairValueMeasurementExplanatory id="ID_21" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;8.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Fair Value of financial instruments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Framework and processes control&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As part of the process established in the Group for determining the fair value in order to ensure that financial assets and liabilities are properly valued, BBVA has established, at a geographic level, a structure of Risk Operational Admission and Product &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Governance Committees responsible for validating and approving new products or types of financial assets and liabilities before being contracted. Local management responsible for valuation, which are independent from the business (see Note 7) are members o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f these committees.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These areas are required to ensure, prior to the approval stage, the existence of not only technical and human resources, but also adequate informational sources to measure the fair value of these financial assets and liabilities, in ac&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cordance with the rules established by the Group and using models that have been validated and approved by the responsible areas.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Fair value hierarchy&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The fair value of financial instrument is defined as the price that would be received to sell an asset or&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; paid to transfer a liability in an orderly transaction between market participants at the measurement date. It is therefore a market-based measurement and not specific to each entity.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All financial instruments, both assets and liabilities are initially re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cognized at fair value, which at that point is equivalent to the transaction price, unless there is evidence to the contrary in the market. Subsequently, depending on the type of financial instrument, it may continue to be recognized at amortized cost or f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;air value through adjustments in the consolidated income statement or equity.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When possible, the fair value is determined as the market price of a financial instrument. However, for many of the financial assets and liabilities of the Group, especially in t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he case of derivatives, there is no market price available, so its fair value is estimated on the basis of the price established in recent transactions involving similar instruments or, in the absence thereof, by using mathematical measurement models that &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;are sufficiently tried and trusted by the international financial community. The estimates of the fair value derived from the use of such models take into consideration the specific features of the asset or liability to be measured and, in particular, the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;various types of risk associated with the asset or liability. However, the limitations inherent in the measurement models and possible inaccuracies in the assumptions and parameters required by these models may mean that the estimated fair value of an asse&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t or liability does not exactly match the price for which the asset or liability could be exchanged or settled on the date of its measurement.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, for financial assets and liabilities that show significant uncertainty in inputs or model parameter&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s used for valuation, criteria is established to measure said uncertainty and activity limits are set based on these. Finally, these measurements are compared, as much as possible, against other sources such as the measurements obtained by the business tea&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ms or those obtained by other market participants.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The process for determining the fair value requires the classification of the financial assets and liabilities according to the measurement processes used as set forth below:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Level 1: Valuation using direc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tly the quotation of the instrument, observable and readily and regularly available from independent price sources and referenced to active markets that the entity can access at the measurement date. The instruments classified within this level are fixed-i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ncome securities, equity instruments and certain derivatives. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Level 2: Valuation of financial instruments with commonly accepted techniques that use inputs obtained from observable data in markets.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Level 3: Valuation of financial instruments with valuati&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;on techniques that use significant unobservable inputs in the market. As of December 31, 2018, the affected instruments at fair value accounted for approximately 0.56% of financial assets and 0.46% of the Group&amp;#8217;s financial liabilities recorded at fair valu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e. Model selection and validation is undertaken by control areas outside the business areas.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;8.1   Fair value of financial instrument&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Below is a comparison of the carrying amount of the Group&amp;#8217;s financial instruments in the accompanying consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;balance sheets and their respective fair values.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair Value and Carrying Amount (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:332.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:332.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:332.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:332.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;58,196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;58,196&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;90,117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;90,117&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5,135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5,135&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,313&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;56,337&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;56,337&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;419,660&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;419,857&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:332.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging derivatives &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,892&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:332.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:332.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;80,774&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;80,774&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,993&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;509,185&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;510,300&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,680&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair Value and Carrying Amount (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:231.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42,680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42,680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;40,039&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;40,039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64,695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64,695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;74,950&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;74,950&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,062&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,062&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Available-for-sale financial assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;69,476&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;69,476&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;79,221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;79,221&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;431,521&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;438,991&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;465,977&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;468,844&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Held-to-maturity investments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,754&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,865&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17,696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17,619&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:231.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,833&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46,182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46,182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54,675&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54,675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,338&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;543,713&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;544,604&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;589,210&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;594,190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,347&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,347&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;2017 and 2016 are presented separately due to the implementation of IFRS 9&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Not all financial assets and liabilities are recorded at fair value, so below&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; we provide the information on financial instruments recorded at fair value and subsequently the information of those recorded at amortized cost (including their fair value), although this value is not used when accounting for these instruments.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;8.1.1 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Fair value of financial instrument recognized at fair value, according to valuation criteria&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Below are the different elements used in the valuation technique of financial instruments.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Active Market&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;BBVA considers active market as &amp;#8220;a market that allows the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;observation of bid and offer prices representative of the levels to which the market participants are willing to negotiate an asset, with sufficient frequency and volume&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;By default, BBVA would consider all internally approved &amp;#8220;Organized Markets&amp;#8221; as activ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e markets, without considering this an unchangeable list. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Furthermore, BBVA would consider as traded in an &amp;#8220;Organized Market&amp;#8221; quotations for assets or liabilities from OTC markets when they are obtained from independent sources, observable on a daily basi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;s and fulfil certain conditions.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following table shows the financial instruments carried at fair value in the accompanying consolidated balance sheets, broken down by the measurement technique used to determine their fair value:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Fair Value of financial Instruments by Levels (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:150.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;ASSETS-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26,730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;62,983&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;28,642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;17,884&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;199&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5,194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,605&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26,846&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;85&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,127&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,929&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,778&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,012&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;45,824&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9,323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43,788&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9,211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,003&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;479&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,882&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;LIABILITIES-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22,932&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;57,573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7,989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29,945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Trading derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,919&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;27,628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4,478&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,515&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;976&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,858&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,515&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:482.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Fair Value of financial Instruments by Levels  (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:150.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:150.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;ASSETS-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29,057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;35,349&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;289&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;32,544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;42,221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;21,107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,444&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26,720&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;418&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6,688&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;80&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4,570&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,262&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;33,815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;187&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;41,640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,062&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;174&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,888&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,920&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Available-for-sale financial assets &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;57,381&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11,082&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;62,125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15,894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;637&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;54,850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10,948&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;58,372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15,779&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;429&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,753&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;115&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,483&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;LIABILITIES-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11,191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;34,866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12,502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;42,120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,183&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;34,866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;952&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;42,120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Short positions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10,008&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11,550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,338&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;274&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;94&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The years 2017 and 2016 are presented separately due to the implementation of IFRS 9.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Financial instruments carried at fair value corresponding to the companies that belong to Banco Provincial Group in Venezuela whose balanc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e is denominated in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;' &gt;&amp;#8220;bolivares fuertes&amp;#8221;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; are classified under Level 3 in the above tables (see Note 2.2.20).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following table sets forth the main valuation techniques, hypothesis and inputs used in the estimation of fair value of the financial instrument&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s classified under Levels 2 and 3, based on the type of financial asset and liability and the corresponding balances as of December 31, 2018:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:501pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:501pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Fair Value of financial Instruments by Levels. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Valuation technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Observable inputs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Unobservable inputs&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;62,983&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;28,642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;199&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Observed prices in non active markets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Non active markets prices&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity instruments &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Comparable pricing (Observable price in a similar market)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Brokers quotes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Market operations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- NAVs published&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- NAV provided by the administrator of the fund&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26,846&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;85&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:49.5pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Interest rate products (Interest rate swaps, Call money Swaps y FRA): Discounted cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Caps/Floors: Black, Hull-White y  SABR&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Bond options: Black&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; Swaptions: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other Interest rate options: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Constant Maturity Swaps: SABR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Beta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit correlations between tenors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- interest rates volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity Options: Local Volatility, Momentum adjustment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit assets correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Long term implicit correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit dividends and long term repos&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange Options: Local Volatility, moments adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit assets correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Long term implicit correlations&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit Derivatives: Default model and Gaussian copula&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Correlation default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Default volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Commodities: Momentum adjustment and Discounted cash flows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#DADADA;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1,929&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:37.5pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,778&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Specific criteria for the liquidation of losses established by the EPA protocol&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- PD and LGD&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;9,323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1,190&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21.75pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9,211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Observed prices in non active markets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Non active market prices&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;479&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Comparable pricing (Observable price in a similar market)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Brokers quotes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Market operations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- NAVs published&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- NAV provided by the administrator of the fund&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2,882&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:49.5pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Interest rate products (Interest rate swaps, Call money Swaps y FRA): Discounted cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Caps/Floors: Black, Hull-White y  SABR&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Bond options: Black&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; Swaptions: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other Interest rate options: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Constant Maturity Swaps: SABR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity Options: Local Volatility, Momentum adjustment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange Options: Local Volatility, moments adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit Derivatives: Default model and Gaussian copula&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Commodities: Momentum adjustment and Discounted cash flows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:499.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:499.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Fair Value of financial Instruments by Levels. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Valuation technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Observable inputs&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Unobservable inputs&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;57,573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29,945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;27,628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:49.5pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Interest rate products (Interest rate swaps, Call money Swaps y FRA): Discounted cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Caps/Floors: Black, Hull-White y  SABR&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Bond options: Black&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; Swaptions: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other Interest rate options: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Constant Maturity Swaps: SABR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Beta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Correlation between tenors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- interest rates volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity Options: Local Volatility, Momentum adjustment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Assets correlation&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange Options: Local Volatility, moments adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Assets correlation&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit Derivatives: Default model and Gaussian copula&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Correlation default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Default volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Commodities: Momentum adjustment and Discounted cash flows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:center;vertical-align:middle;background-color:#DADADA;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:89.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Short positions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Correlation default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;4,478&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2,515&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2,454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:49.5pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Interest rate products (Interest rate swaps, Call money Swaps y FRA): Discounted cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Caps/Floors: Black, Hull-White y  SABR&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Bond options: Black&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; Swaptions: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other Interest rate options: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Constant Maturity Swaps: SABR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Beta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit correlations between tenors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- interest rates volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity Options: Local Volatility, Momentum adjustment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit assets correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Long term implicit correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit dividends and long term repos&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange Options: Local Volatility, moments adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit assets correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Long term implicit correlations&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit Derivatives: Default model and Gaussian copula&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Correlation default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Default volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Commodities: Momentum adjustment and Discounted cash flows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:center;vertical-align:middle;background-color:#DADADA;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Main valuation techniques&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The main &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;techniques used for the assessment of the majority of the financial instruments classified in Level 3, and its main unobservable inputs, are described below:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The net present value (net present value method): This technique uses the future cash flows of eac&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;h debt security, which are established in the different contracts, and discounted to their present value. This technique often includes many observable inputs, but may also include unobservable inputs, as described below:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,45pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Credit Spread: This input repres&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ents the difference in yield of a debt security and the reference rate, reflecting the additional return that a market participant would require to take the credit risk of that debt security. Therefore, the credit spread of the debt security is part of the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; discount rate used to calculate the present value of the future cash flows.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:35,45pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Recovery rate: This input represents the percentage of principal and interest recovered from a debt instrument that has defaulted.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Comparable prices (similar asset prices):&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; This input represents the prices of comparable financial instruments and benchmarks used to calculate a reference yield based on relative movements from the entry price or current market levels. Further adjustments to account for differences that may exis&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;t between financial instrument being valued and the comparable financial instrument may be added. It can also be assumed that the price of the financial instrument is equivalent to the comparable instrument.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Net asset value: This input represents the total&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; value of the financial assets and liabilities of a fund and is published by the fund manager thereof.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Gaussian copula: This model is used to integrate default probabilities of credit instruments referenced to more than one underlying CDS. The joint densi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ty function used to value the instrument is constructed by using a Gaussian copula that relates the marginal densities by a normal distribution, usually extracted from the correlation matrix of events approaching default by CDS issuers.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Black 76: variant o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;f Black Scholes model, whose main application is the valuation of bond options, cap floors and swaptions where the behavior of the Forward and not the Spot itself, is directly modeled.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Black Scholes: The Black Scholes model postulates log-normal distributi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;on for the prices of securities, so that the expected return under the risk neutral measure is the risk free interest rate. Under this assumption, the price of vanilla options can be obtained analytically, so that inverting the Black- Scholes formula, the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;implied volatility for process of the price can be calculated.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Heston: This model, typically applied to equity OTC options, assumes stochastic behavior of volatility. According to which, the volatility follows a process that reverts to a long-term level an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;d is correlated with the underlying equity instrument. As opposed to local volatility models, in which the volatility evolves deterministically, the Heston model is more flexible, allowing it to be similar to that observed in the short term today.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Libor ma&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rket model: This model assumes that the dynamics of the interest rate curve can be modeled based on the set of forward contracts that compose the underlying interest rate. The correlation matrix is parameterized on the assumption that the correlation betwe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;en any two forward contracts decreases at a constant rate, beta, to the extent of the difference in their respective due dates. The input &amp;#8220;Credit default volatility&amp;#8221; is a volatility input of the credit factor dynamic. The multifactorial frame of this model&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; makes it ideal for the valuation of instruments sensitive to the slope or curve, including interest rate option.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Local Volatility: In the local volatility models of the volatility, instead of being static, evolves over time according to the level of money&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ness of the underlying, capturing the existence of smiles. These models are appropriate for pricing path dependent options when use Monte Carlo simulation technique is used.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Adjustments to the valuation for risk of default&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Under IFRS 13 the credit risk val&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;uation adjustments must be considered in the classification of assets and liabilities within fair value hierarchy, because of the absence of observables data of probabilities of default used in the calculation.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The credit valuation adjustments (&amp;#8220;CVA&amp;#8221;) and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;debit valuation adjustments (&amp;#8220;DVA&amp;#8221;) are a part of derivative instrument valuations, both financial assets and liabilities, to reflect the impact in the fair value of the credit risk of the counterparty and BBVA, respectively.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These adjustments are &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;calculated by estimating Exposure At Default, Probability of Default and Loss Given Default, for all derivative products on any instrument at the legal entity level (all counterparties under a same ISDA / CMOF) in which BBVA has exposure.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As a general rule&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, the calculation of CVA is done through simulations of market and credit variables to calculate the expected positive exposure, given the Exposure at Default and multiplying the result by the Loss Given Default of the counterparty. Consequently, the DVA i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s calculated as the result of the expected negative exposure given the Exposure at Default and multiplying the result by the Loss Given Default of the counterparty. Both calculations are performed throughout the entire period of potential exposure.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;formation needed to calculate the exposure at default and the loss given default come from the credit markets (Credit Default Swaps or iTraxx Indexes), where rating is available. For those cases where the rating is not available, BBVA implements a mapping &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;process based on the sector, rating and geography to assign probabilities of both probability of default and loss given default, calibrated directly to market or with an adjustment market factor for the probability of default and the historical expected lo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ss. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amounts recognized in the consolidated balance sheet as of December 31, 2018 and 2017 related to the valuation adjustments to the credit assessment of the derivative asset as &amp;#8220;Credit Valuation Adjustments&amp;#8221; (&amp;#8220;CVA&amp;#8221;) was &amp;#8364;-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;163&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million and &amp;#8364;-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;153&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; milli&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;on respectively, and the valuation adjustments to the derivative liabilities as &amp;#8220;Debit Valuation Adjustment&amp;#8221; (DVA) was &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;214&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;138&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million respectively . The impact recorded under &amp;#8220;Gains or (-) losses on financial assets and liabilities held for &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;trading, net&amp;#8221; in the consolidated income statement as for the years ended 2018 and 2017 corresponding to the mentioned adjustments was a net impact of &amp;#8364;-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;24&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million and &amp;#8364;-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;23&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million respectively. Additionally, as of December 31, 2018, &amp;#8364;-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;12&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million related t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;o the &amp;#8220;Funding Valuation Adjustments&amp;#8221; (&amp;#8220;FVA&amp;#8221;) were recognized in the consolidated balance sheet. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Unobservable inputs&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Quantitative information of unobservable inputs used to calculate Level 3 valuations is presented below as of December 31, 2018:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial instrument&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Valuation technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Significant unobservable inputs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Min&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Max&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Units&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:3.75pt;' &gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='1' rowspan='3' style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Net Present  Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit Spread&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152.22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;385.00&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;b.p.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Recovery Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32.06%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Comparable pricing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#DDD9C4;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;275.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Net  Asset Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#DDD9C4;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='2' style='width:204pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#DDD9C4;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Comparable pricing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#DDD9C4;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:top;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit Option&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gaussian Copula&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Correlation Default&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37.98%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60.26%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td colspan='1' rowspan='3' style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity OTC Option&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Heston&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Forward Volatility Skew&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47.05&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47.05&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47.05&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Vegas&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Local Volatility&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividends&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:204pt;text-align:right;vertical-align:middle;background-color:#DDD9C4;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Volatility&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.79&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65.02&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;vegas&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;FX OTC Options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Black Scholes/Local Vol&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Volatility&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.05&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;vegas&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td colspan='1' rowspan='3' style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest Rate Option&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Libor Market Model&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Beta&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.00&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.00&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Correlation Rate/Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(100)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#DDD9C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit Default Volatility&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Vegas&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Financial assets and liabilities classified as Level 3&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes in the balance of Level 3 financial assets and liabilities included in the accompanying consolidated balance sheets during 2018, 2017 and 2016, are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets Level 3: Changes in the Period (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;463&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;182&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:181.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Changes in fair value recognized in profit and loss (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(167)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(95)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(86)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Changes in fair value not recognized in profit and loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(45)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(81)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Acquisitions, disposals and liquidations (**)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,710&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;438&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Net transfers to Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;761&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(39)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange differences and others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(55)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(250)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,527&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Profit or loss that is attributable to gains or losses relating to those financial assets and liabilities held as of December 31, 2018, 2017 and 2016. Valuation adjustments are recorded under the heading &amp;#8220;Gains (losses) on financial assets and liabili&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ties, net&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**) Of which, in 2018, the assets roll forward is comprised of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;2,400&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; million of acquisitions, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;254&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; millions of disposals and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;44&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; millions of liquidations. The liabilities roll forward is comprised of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;2,716&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; million of acquisitions and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;5&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; mill&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ions of liquidations.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, the profit/loss on sales of financial instruments classified as Level 3 recognized in the accompanying consolidated income statement was not material.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Transfers between levels&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Global Valuation Area, in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;collaboration with BBVA Group, has established the rules for a proper financials instruments held for trading classification according to the fair value hierarchy defined by international accounting standards.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On a monthly basis, any new assets added to th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e portfolio are classified, according to this criterion, by the accounting subsidiary. Then, there is a quarterly review of the portfolio in order to analyze the need for a change in classification of any of these assets.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The financial instruments transfer&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;red between the different levels of measurement for the year ended December 31, 2018 are recorded at the following amounts in the accompanying consolidated balance sheets as of December 31, 2018:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfer Between Levels. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;From:&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;To:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;515&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1,305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;74&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;LIABILITIES-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial liabilities held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of financial instrume&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nts that were transferred between levels of valuation for the year ended December 31, 2018 is not material relative to the total portfolios, and corresponds to the above changes in the classification between levels these financial instruments modified some&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of their features, specifically:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Transfers between Levels 1 and 2 represent mainly debt and equity instruments, which are either no longer listed on an active market (transfer from Level 1 to 2) or have just started to be listed (transfer from Level 2 to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;1).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Transfers from Level 2 to Level 3 are mainly due to derivative transactions.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Transfers from Level 3 to Level 2 generally affect derivative and debt instruments transactions, for which inputs observable in the market have been obtained&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Sensitivity Ana&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;lysis&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Sensitivity analysis is performed on financial instruments with significant unobservable inputs (financial instruments included in level 3), in order to obtain a reasonable range of possible alternative valuations. This analysis is carried out on a m&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;onthly basis, based on the criteria defined by the Global Valuation Area taking into account the nature of the methods used for the assessment and the reliability and availability of inputs and proxies used. In order to establish, with a sufficient degree &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of certainty, the valuating risk that is incurred in such assets without applying diversification criteria between them.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, the effect on profit for the period and total equity of changing the main unobservable inputs used for the mea&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;surement of Level 3 financial instruments for other reasonably possible unobservable inputs, taking the highest (most favorable input) or lowest (least favorable input) value of the range deemed probable, would be as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets Level 3: Sensitivity Analysis (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:35.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Potential Impact on Consolidated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt; Income Statement &lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Potential Impact on&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt; Total Equity &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Most Favorable Hypothesis&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Least Favorable Hypothesis&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Most Favorable Hypothesis&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Least Favorable Hypothesis&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;291&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(181)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(161)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;297&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(194)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;8.2   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Fair value of financial instruments carried at cost&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The valuation technique used to calculate the fair value of financial assets and liabilities carried at cost as of December 31, 2018, are presented below:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Financial assets&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Cash, balances at &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;central banks and other demand deposits / loans to central banks / short-term loans to credit institutions / Repurchase agreements: in general, their fair value is assimilated to their book value, due to the nature of the counterparty and because they are &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;mainly short-term balances in which the book value is the most reasonable estimation of the value of the asset.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Loans to credit institutions which are not short-term and loans to customers: In general, the fair value of these financial assets is determined&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; by the discount of expected future cash flows, using market interest rates at the time of valuation&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;adjusted by the credit spread and taking all kind of behavior hypothesis if it is considered to be relevant (prepayment fees, optionality, etc.).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Debt secu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rities: Fair value estimated based on the available market price or by using internal valuation methodologies.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Financial liabilities&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Deposits from central banks: for recurrent liquidity auctions and other monetary policy instruments of central banks, / sho&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rt-term deposits from credit institutions / repurchase agreements / short-term customer deposits:  their book value is considered to be the best estimation of their fair value.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Deposits of credit institutions which are not short-term and term customer depo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;sits: these deposits will be valued by discounting future cash flows using the interest rate curve in effect at the time of the adjustment adjusted by the credit spread and incorporating any behavioral assumptions if this proves relevant (early repayments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, optionalities, etc.).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Debt certificate (Issuances): The fair value estimation of these liabilities depend on the availability of market prices or by using the present value method: discount of future cash flows, using market interest rates at valuation t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ime and taking into account the credit spread.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following table presents the fair value of key financial instruments carried at amortized cost in the accompanying consolidated balance sheets as of December 31, 2018, 2017 and 2016, broken down according &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to the method of valuation used for the estimation:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:497.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:497.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Fair Value of financial Instruments at amortized cost by Levels (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:139.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:139.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;June 2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:139.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:139.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:171.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;58,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;41,969&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;21,419&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;204,619&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;193,819&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9,475&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;429,517&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:171.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Held-to-maturity investments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13,708&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial liabilities at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;58,225&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;269,128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;182,948&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;562,230&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The main valuation techniques and inputs used to estimate the fair value of financial instruments accounted for at cost and classified in levels 2 and 3 is shown below. These are &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;broken down by type of financial instrument and the balances correspond to those as of December 31, 2018:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:481.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fair Value of financial Instruments at amortized cost by valuation technique. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:120.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Valuation technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Main inputs used&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS &lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;204,619&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;193,819&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:31.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:31.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,291&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:31.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;190,666&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;183,645&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,881&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Financial liabilities at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;269,128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;182,948&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,281&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,852&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;240,547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;135,270&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,104&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25,096&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Equity instruments at cost&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Until 2017, there were equity instruments and discretionary profit-sharing arrangements in some &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;entities which were recognized at cost in the Group&amp;#8217;s consolidated balance sheets because their fair value could not be estimated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; a sufficiently reliable manner for the amount of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;469&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;565&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, as of December 31, 2017 and 2016, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFairValueMeasurementExplanatory>
  <bbva:Disclosureofavailableforsalefinancialassetsthroughtothertcomprehensiveincomeexplanatory id="ID_22" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;13. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;  Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;13.1  Balance details&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance by the main financial instruments in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets designated at fair value through other comprehensive income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53.737&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66.273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;74.739&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(159)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;53.709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;66.251&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;74.580&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.488&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.814&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.264)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(174)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.224&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.641&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;56.337&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;69.476&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;79.221&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;13.2  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Debt securities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under the heading &amp;#8220;Debt securities&amp;#8221; of the accompanying consolidated financial statements, broken down by the nature of the financial instruments, is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18,6pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets designated at fair value through other comprehensive income: Debt Securities. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Book Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Domestic Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spanish Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;661&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.857&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.597&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.696&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;855&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;804&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;841&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18.802&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;761&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;19.553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.299&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(142)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.163&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexican Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(121)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.169&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;994&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;978&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;961&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(217)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(135)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.130&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;US Treasury and other US Government agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(56)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.258&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;States and political subdivisions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.942&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(79)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.872&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.280&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.208&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.231&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.158&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4.164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(269)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.916&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.007&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(256)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.771&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9.551&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;319&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9.740&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other foreign governments and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.510&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;173&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.601&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;987&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;986&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.856&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.947&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.197&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.206&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;34.521&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(758)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;34.157&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;53.323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.153&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(768)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;53.709&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  The amortized co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;st includes portfolio gains/losses linked to insurance contracts in which the policyholder assumes the risk in case of redemption.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18,6pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Available-for-sale financial assets: Debt Securities. December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Book Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Domestic Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,25pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spanish Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.765&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;791&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.539&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.951&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.066&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;891&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;962&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;24.716&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;906&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;25.605&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9.755&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(142)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9.658&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexican Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.101&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(120)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.015&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.654&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.643&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;209&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.434&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;12.479&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(198)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;12.317&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.625&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(133)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.500&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;US Treasury and other US Government agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.052&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;States and political subdivisions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(99)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.482&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.854&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(65)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.817&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.798&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(65)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.759&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5.052&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(115)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4.985&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.033&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(114)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.967&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;13.271&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(117)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;13.687&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other foreign governments and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.774&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.022&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.497&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(40)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.664&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.331&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.654&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.632&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.679&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;40.557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;661&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(572)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;40.647&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;65.273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.567&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(589)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;66.251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  The amortized cost includes portfolio gains/losses linked to insurance contracts in which the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;policyholder assumes the risk in case of redemption.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Available-for-sale financial assets: Debt Securities. December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Book Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Domestic Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spanish Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.119&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.421&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;986&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.067&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.319&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;24.731&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;828&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;25.540&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;11.525&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(343)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;11.200&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexican Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.728&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(301)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.438&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.797&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.710&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(41)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.256&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(261)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.043&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.460&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(131)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.337&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;US Treasury and other US Government agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.702&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.683&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;States and political subdivisions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.758&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(112)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.654&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.797&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.706&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.702&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.609&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5.550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(180)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5.443&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.055&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(164)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.961&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;495&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;482&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;448&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;436&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;17.923&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;634&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(203)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;18.354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other foreign governments and other general government agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.882&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;373&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(98)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.156&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(105)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.197&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.657&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.659&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(54)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.311&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.115&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(49)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.227&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;49.253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;773&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(987)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;49.040&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;73.985&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(1.006)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;74.580&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  The amortized cost includes portfolio gains/losses linked to insurance contracts in which the policyholder assumes the risk in case of redemption.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The credit ratings &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the issuers of debt securities as of December 31, 2018, 2017 and 2016, are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,6pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities by Rating&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AAA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;687&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.922&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24,4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,2%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;594&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;409&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;291&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;575&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;632&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,2%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;664&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;687&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;683&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.426&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34,3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.719&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,1%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35.175&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53,1%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29.569&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,6%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.958&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.233&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.003&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,9%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.583&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB+ or below&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.453&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.564&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.055&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Without rating&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;445&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.071&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,6%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;53.709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;66.251&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;74.580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;13.3  Equity instruments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under the heading &amp;quot;Equity instruments&amp;quot; of the accompanying consolidated financial state&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ments as &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of December 31, 2018, 2017 and 2016, are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets designated at fair value through other comprehensive income: Equity Instruments. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity instruments listed&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.962&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.962&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed foreign company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.262&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(222)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unlisted Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unlisted foreign companies shares &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;453&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;506&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;388&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;411&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;85&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;459&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;513&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.721&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(223)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.595&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17,1pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Available-for-sale financial assets: Equity Securities. December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity instruments listed&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.188&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.188&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed foreign company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;215&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.429&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Unlisted equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unlisted Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unlisted foreign companies shares &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;665&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;734&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;532&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;151&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;182&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;698&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;796&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.224&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Available-for-sale financial assets: Equity Securities. December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity instruments listed&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(944)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(944)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed foreign company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;289&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.066&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;981&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.483&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;306&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(960)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.829&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Unlisted equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unlisted Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;   Unlisted foreign companies shares &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;708&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;752&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;537&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;550&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;178&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;766&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;811&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(962)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.641&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;13.4  Gains/losses&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Debt securities&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes in the gains/losses, net of taxes, recognized in 2018 under &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the equity heading &amp;#8220;Accumulated other comprehensive income &amp;#8211; Items that may be reclassified to profit or loss - Financial assets at fair value through other comprehensive income&amp;#8221; in the accompanying consolidated balance sheets are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:24pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:#000000;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated other comprehensive income-Items that may be reclassified to profit or loss - Financial assets at fair value through other comprehensive income  (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.557&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Effect of changes in accounting policies (IFRS 9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(58)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Valuation gains and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(640)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Amounts transferred to income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(137)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;221&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;943&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In 2018&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, the debt securities impaired recognized in the heading &amp;#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8221; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the accompanying consolidated income statement amounted to &amp;#8364;1 million. In 2017 the recovery recognized amounted &amp;#8364;4 million; meanwhile, in 2016 the impairment recognized amounted &amp;#8364;157 million (see Note 47).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Equity instruments&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes in the gains/losses&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, net of taxes, recognized under the equity heading &amp;#8220;Accumulated other comprehensive income &amp;#8211; Items that will not be reclassified to profit or loss - Fair value changes of equity instruments measured at fair value through other comprehensive income&amp;#8221; in the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; accompanying consolidated balance sheets are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:16,15pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:#000000;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated other comprehensive income-Items that may be reclassified to profit or loss - Financial assets at fair value through other comprehensive income  (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Effect of changes in accounting policies (IFRS 9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(40)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Valuation gains and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(174)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(155)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In 2018&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, there has been no impairment recognized under the heading &amp;#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or lo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ss - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8221; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in the accompanying consolidated income statement. In 2017 and 2016 the impairment recognized were &amp;#8364;1,131 and &amp;#8364;46 million, respectively (see Note 47).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;2017 and 2016&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; are presented separately due to the implementation of IFRS 9:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:31,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated other comprehensive income-Items that may be reclassified to profit or loss - Available-for-Sale Financial Assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;947&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.674&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Valuation gains and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;321&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;400&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Amounts transferred to income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.181)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other reclassifications&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(62)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;947&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.629&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(682)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofavailableforsalefinancialassetsthroughtothertcomprehensiveincomeexplanatory>
  <bbva:Consolidatedbalancesheetsummarized id="ID_23" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Condensed Consolidated balance sheets (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;December 2017 IAS 39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Classification and measurement of financial instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Opening balance sheet 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42.680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42.680&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64.695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27.159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;91.854&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35.265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35.265&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.849&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22.573&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;245&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;245&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14.895&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14.895&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12.026&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.451&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.451&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.690)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;62.107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;62.115&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.761&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.761&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59.293&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59.301&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;140&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Available for sale financial assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;69.476&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(69.476)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;431.521&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(8.680)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.158)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;421.685&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10.339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;29.959&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(245)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.055&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(15.622)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10.661&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;387.621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(12.435)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.177)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;374.009&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Held to maturity investments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.754&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(13.754)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging derivatives &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.485&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Joint ventures, associates and unconsolidated subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.588&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.589&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Insurance and reinsurance assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;421&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;421&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.191&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Intangible assets &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8.464&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8.464&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16.888&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17.296&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other assets &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.359&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.359&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Non-current assets and disposal groups held for sale &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.853&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.832&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;690.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(770)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;689.414&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;LIABILITIES AND EQUITY&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;December 2017 IAS 39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Classification and measurement of financial instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Opening balance sheet 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46.182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34.601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;80.783&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.495&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;543.713&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(37.595)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;506.118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Deposits from central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;37.054&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3.261)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33.793&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Deposits from credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54.516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(19.381)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35.135&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Customer Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;376.379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(12.690)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;363.689&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;63.915&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2.266)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;61.649&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;     Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11.850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11.851&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(112)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.768&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Liabilities under insurance and reinsurance contracts &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9.223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9.223&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Provisions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.602&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Tax liabilities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.298&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.291&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other liabilities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.550&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Liabilities included in disposal groups classified as held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17.197&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17.188&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;636.736&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;637.010&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;SHAREHOLDERS&amp;#8217; FUNDS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;53.283&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(923)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;52.432&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Capital&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Share premium&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.992&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.992&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Retained earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.612&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(923)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22.760&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Revaluation reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Less: Treasury shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(96)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(96)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Profit or loss attributable to owners of the parent&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.519&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Less: Interim dividends&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.043)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.043)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9,75pt;' &gt;&lt;td style='width:204pt;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(6.939)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7.036)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;MINORITY INTERESTS (NON-CONTROLLING INTEREST)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.979&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.008&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL EQUITY&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;53.323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(902)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;52.404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL EQUITY AND TOTAL LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;690.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(770)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:69,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;689.414&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Consolidatedbalancesheetsummarized>
  <bbva:Contributiontoconsolidatedgroupassets id="ID_24" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Contribution to Consolidated Group Total Assets. Entities by Main Activities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Banks and other financial services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;647.164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;659.414&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;699.592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance and pension fund managing companies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.732&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.831&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other non-financial services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;676.689&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;690.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;731.856&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Contributiontoconsolidatedgroupassets>
  <bbva:Disclosureallocationofearningsexplanatory id="ID_25" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Allocation of Earnings (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25,15pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Profit for year (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2.316&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Distribution:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interim dividends&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;667&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Final dividend&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.067&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additional Tier 1 securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;313&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Voluntary reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;margin-left:0pt;' &gt;(*)  Net income of BBVA, S.A.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureallocationofearningsexplanatory>
  <bbva:Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskexplanatory id="ID_26" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;15.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Hedging derivatives and fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The balance of these headings in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:27pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.833&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.347&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, the main positions hedged by the Group and the derivatives designated to hedge those positions were:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Fair value hedging:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:56,7pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Fixed-interest debt securities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;at fair value through other comprehensive income &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;and at amortized cost: The interest rate risk of these securities is hedged using interest rate derivatives (fixed-variable swaps) and forward sales.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:56,7pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Long-term fixed-interest debt securities issued by the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Bank: the interest rate risk of these securities is hedged using interest rate derivatives (fixed-variable swaps).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:56,7pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Fixed-interest loans: The equity price risk of these instruments is hedged using interest rate derivatives (fixed-variable swaps).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:56,7pt;color:#000000;' &gt;- &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Fixed-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;interest and/or embedded derivative deposit portfolio hedges: it covers the interest rate risk through fixed-variable swaps. The valuation of the borrowed deposits corresponding to the interest r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;te risk is in the heading &amp;quot;Fair value changes of the hedged items in portfolio hedges of interest rate risk&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Cash-flow hedges: Most of the hedged items are floating interest-rate loans and asset hedges linked to the inflation of the financial assets at fa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ir value through other comprehensive income portfolio. This risk is hedged using foreign-exchange, interest-rate swaps, inflation and FRA&amp;#8217;s (&amp;#8220;Forward Rate Agreement&amp;#8221;). &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Net foreign-currency investment hedges: These hedged risks are foreign-currency investm&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ents in the Group&amp;#8217;s foreign subsidiaries. This risk is hedged mainly with foreign-exchange options and forward currency sales and purchases.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Note 7 analyzes the Group&amp;#8217;s main risks that are hedged using these derivatives.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The details of the net positions by hedged risk of the fair value of the hedging derivatives recognized in the accompanying consolidated balance sheets are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging Derivatives Breakdown by type of risk and type of hedge (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33,6pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;982&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;513&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.141&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.154&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;974&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;978&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;739&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.029&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;856&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;587&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;398&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;625&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;587&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;398&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;625&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;FAIR VALUE HEDGES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.575&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.766&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.362&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.577&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;244&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;358&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;219&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;242&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;186&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;358&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;955&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;873&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;955&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;873&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;160&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;CASH FLOW HEDGES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.435&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.247&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;476&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;92&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;231&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;362&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;PORTFOLIO FAIR VALUE HEDGES OF INTEREST RATE RISK&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;256&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;214&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;PORTFOLIO CASH FLOW HEDGES OF INTEREST RATE RISK&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;DERIVATIVES-HEDGE ACCOUNTING&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.347&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#666666;' &gt;of which: OTC - credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2.534&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2.462&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;1.829&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2.527&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2.381&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2.103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#666666;' &gt;of which: OTC - other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;435&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;165&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#666666;' &gt;of which: OTC - other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The cash flows forecasts for the coming years for cash flow &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hedging recognized on the accompanying consolidated balance sheet as of December 31, 2018 are:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash Flows of Hedging Instruments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 Months or Less&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;From 3 Months to 1 Year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;From 1 to 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;More than 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Receivable cash inflows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;277&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.828&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.181&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.401&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Payable cash outflows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;517&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.215&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.092&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The above cash flows will have an impact on the Group&amp;#8217;s consolidated income statements until 2058. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In 2018, 2017 and 2016, there was no&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; reclassification in the accompanying consolidated income statements of any amount corresponding to cash flow hedges that was previously recognized in equity (see Note 41). &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount for derivatives designated as accounting hedges that did not pass the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;effectiveness test in December 31, 2018, 2017 and 2016 were not material.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskexplanatory>
  <bbva:Basicanddelutedearningspershare id="ID_27" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Basic and Diluted Earnings per Share&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Numerator for basic and diluted earnings per share (millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Profit attributable to parent company&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.324&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,15pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Adjustment: Additional Tier 1 securities (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(313)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(301)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(260)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Profit adjusted (millions of euros) (A)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5.011&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.218&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.215&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Weighted average number of shares outstanding (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.468&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Weighted average number of shares outstanding x corrective factor (3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Adjusted number of shares - Basic earning per share (C)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Adjusted number of shares - diluted earning per share  (D)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Earnings per share (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Basic earnings per share from continued operations (Euros per share)A-B/C&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Diluted earnings per share from continued operations (Euros per share)A-B/D&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Remuneration in the year related to contingent convertible securities, recognized in equity (see Note 22.4).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Weighted average number of shares outstanding (millions of euros), excluding weighted average of treasury shares during the period.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(3)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Corrective factor, due to the capital increase with pre-emptive subscription right, applied for the previous years.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;As of December 31, 2018 the weighted average number of shares outstanding was 6,668 million (6,642 and 6,468 million as of December 31&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, 2017 and 2016, respectively) and the adjustment of additional Tier 1 securities amounted to &amp;#8364;313 million (&amp;#8364;301 and &amp;#8364;260 million as of December 31, 2017 and 2016, respectively).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Basicanddelutedearningspershare>
  <bbva:Disclosureofinvestmentsinsubsidiariesjointventuresandassociatesexplanatory id="ID_28" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;16. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Investments in joint ventures, associates&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;16.1  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Joint venture&lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;s and associates&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance of &amp;#8220;Investments in joint ventures and associates&amp;#8221; (see Note 2.1) in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Joint Ventures and Associates Entities. Breakdown by entities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fideicomiso 1729 Invex Enajenacion de Cartera&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;PSA Finance Argentina Compa&amp;#241;ia Financier&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Altura Markets, S.V., S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;RCI Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other joint ventures&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;173&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;256&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Associates Entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Metrovacesa Suelo y Promoci&amp;#243;n, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;508&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;697&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Testa Residencial SOCIMI, S.A.U.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;444&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Metrovacesa Promoci&amp;#243;n y Arrendamientos, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Atom Bank, PLC&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Divarian Propiedad S.A.U.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;591&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Servired&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other associates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;536&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.588&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;765&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Details of the joint ventures and associates as of December 31,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; 2018 are shown in Appendix II.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following is a summary of the changes in the in December 31, 2018, 2017 and 2016 under this heading in the accompanying consolidated balance sheets:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Joint Ventures and Associates Entities. Changes in the Year (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.588&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;765&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;879&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Acquisitions and capital increases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;868&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposals and capital reductions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(516)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers and changes of consolidation method&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(351)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Share of profit and loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividends, valuation adjustments and others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(118)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.588&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;765&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The variation during the year 2018 is mainly exp&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;lained by the decrease of BBVA Group stakes in Testa Residencial, S.A., Metrovacesa Suelo y Promoci&amp;#243;n, S.A. and Divarian Propiedad, S.A.U. (see Note 3 and Appendix III).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The variation during the year 2017 is mainly explained by the increase of BBVA Group &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;stakes in Testa Residencial, S.A. and Metrovacesa Suelo y Promoci&amp;#243;n, S.A. through its contribution to the capital increases carried out by both entities by contributing assets from the Bank&amp;#8217;s real estate assets (see Note 21).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During the year 2016, two ca&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;pital increases in Metrovacesa, S.A. were made through a debt swap and a contribution of real estate assets, which provided the Group 357 million euros, after this there was a partial Split of Metrovacesa, S.A. in favor of a beneficiary company from a new &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;constitution denominated Metrovacesa Suelo y Promocion, S.A. In the fourth quarter of the year 2016, there was a total split of Metrovacesa, S.A. through its extinction and division of its patrimony in three parts, two of which merged with Merlin Propertie&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s, SOCIMI, S.A. and Testa Residencial, SOCIMI, S.A. As result of the previous mentioned splits, the Group received equity interests in the corresponding beneficiary companies, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;6.41%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of its capital was received, having been transferred to the heading &amp;quot;Avail&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;able-for-sale&amp;#8221; of the consolidated financial assets as of December 31, 2016.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Appendix III provides notifications on acquisitions and disposals of holdings in subsidiaries, joint ventures and associates, in compliance with Article 155 of the Corporations Ac&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t and Article 53 of the Securities Market Act 24/1988.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;16.2  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Other information about associates and joint ventures&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If these entities had been consolidated rather than accounted for using the equity method, the change in each of the lines of balance sheet&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and the consolidated income statement would not be significant.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016 there was no financial support agreement or other contractual commitment to associates and joint ventures entities from the holding or the subsidiaries &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;that are not recognized in the financial statements (see Note 53.2). &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016 there was no contingent liability in connection with the investments in joint ventures and associates (see Note 53.2).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;16.3  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Impairment&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As describ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed in IAS 36, when there is indicator of impairment, the book value of the associates and joint venture entities should be compared with their recoverable amount, being the latter calculated as the higher between the value in use and the fair value minus t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he cost of sale. As of December 31, 2018, 2017 and 2016, there were no significant impairments recognized.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofinvestmentsinsubsidiariesjointventuresandassociatesexplanatory>
  <bbva:Disclosureoftangibleassetsexplanatory id="ID_29" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;17.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Tangible assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown and movement of the balance and changes of this heading in the accompanying consolidated balance sheets, according to the nature of the related items, is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:480pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible Assets: Breakdown by Type of Assets and Changes in the year 2018. (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:123,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:123,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;For Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total tangible asset of Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Investment Properties&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Assets Leased out under an Operating Lease&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:150pt;text-align:center;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Land and Buildings&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Work in Progress&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Furniture, Fixtures and Vehicles&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.352&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;492&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.072&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;445&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;927&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;938&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(98)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(492)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(607)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(149)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(757)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(177)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(125)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(130)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(214)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(224)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(105)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(213)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.314&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;201&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.910&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Accrued depreciation &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.380&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.546&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;469&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;589&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;594&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(403)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(439)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(447)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of entities in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(55)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(212)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(200)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(198)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.350&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.437&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Impairment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(80)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(51)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(51)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;217&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;217&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;244&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Net tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.099&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;2.248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;6.581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;415&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;7.191&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.584&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;2.102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;6.756&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;7.229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:480pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible Assets. Breakdown by Type of Assets and Changes in the year 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:123,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:123,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;For Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total tangible asset of Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Investment Properties&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Assets Leased out under an Operating Lease&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:150pt;text-align:center;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Land and Buildings&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Work in Progress&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Furniture, Fixtures and Vehicles&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.473&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;958&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.594&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;574&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;201&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;776&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(264)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(335)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(90)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(93)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(518)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of entities in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(552)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(552)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(273)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(57)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(186)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(516)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(698)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.214)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(420)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(378)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(844)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(148)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.014)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.352&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;492&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.072&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Accrued depreciation &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.461&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.577&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.856&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;127&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;553&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;693&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(235)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(261)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(289)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of entities in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(134)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(134)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(146)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(199)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(230)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(88)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(253)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(341)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(350)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.380&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.546&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Impairment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;409&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;798&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of entities in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(58)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(58)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(276)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(334)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(140)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(149)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Net tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.681&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;2.598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;7.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;732&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;8.941&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.099&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;2.248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;6.581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;415&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;7.191&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:480pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible Assets. Breakdown by Type of Assets and Changes in the year 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:123,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;For Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total tangible asset of Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Investment Properties&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Assets Leased out under an Operating Lease&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:150pt;text-align:center;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Land and Buildings&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Work in Progress&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Furniture, Fixtures and Vehicles&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.858&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;14.029&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;17.088&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;913&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;337&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.312&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(85)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(468)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(582)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(117)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(97)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(796)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of entities in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;676&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(544)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(386)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(254)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(986)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.156)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(296)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(52)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(277)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(625)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(184)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(843)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.473&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;958&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.594&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Accrued depreciation &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.551&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.654&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.972&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(72)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(461)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(533)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(560)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(37)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(38)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(55)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(38)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(153)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(173)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(208)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.461&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.577&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.856&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Impairment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;808&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.172&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;143&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(380)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(381)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(100)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(125)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;409&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;798&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Net tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.401&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;3.077&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;8.021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;1.467&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;9.944&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.681&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;2.598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;7.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;732&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;8.941&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, the cost&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of fully amortized tangible assets that remained in use were &amp;#8364;2,624, &amp;#8364;2,660 and &amp;#8364;2,313 million respectively while its recoverable residual value was not significant.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the amount of tangible assets under financial lease schemes on which the purchase option is expected to be exercised was not material. The main activity of the Group is carried out through a network of bank branches located geographically as shown in the f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ollowing table:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Branches by Geographical Location (Number of branches)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.840&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.840&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.836&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.543&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.631&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.667&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;646&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;676&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.066&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.095&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.131&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Eurasia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.271&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.660&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following table shows the detail of the net carrying amount of the tangible assets corresponding to Spanish and foreign subsidiaries as of December 31, 2018, 2017 and 2016:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible Assets by Spanish and Foreign Subsidiaries. Net Assets Values (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA and Spanish subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.574&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.692&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Foreign subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.524&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.617&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.249&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.941&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoftangibleassetsexplanatory>
  <bbva:Tableofcashandcashequivalentsexplanatory id="ID_30" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash on hand&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.346&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.220&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.413&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash balances at central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43.880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.718&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.671&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.742&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.955&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;58.196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;42.680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;40.039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofcashandcashequivalentsexplanatory>
  <bbva:Financialassetsheldfortradingdebtsecuritiesbyissuer id="ID_31" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets Held-for-Trading. Debt securities by issuer (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Issued by Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.001&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.371&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Issued by public administrations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.950&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.344&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.621&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Issued by financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;816&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.349&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;25.577&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;27.166&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialassetsheldfortradingdebtsecuritiesbyissuer>
  <ifrs-full:DisclosureOfIntangibleAssetsExplanatory id="ID_32" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;18. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;  Intangible assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;18.1  Goodwill&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated balance sheets, according to the cash-generating units (CGUs), is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:486.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:486.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Goodwill. Breakdown by CGU and Changes of the year (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:38.1pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Chile&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.45pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of December 31, 2015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;727&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;602&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;175&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(101)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(79)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of December 31, 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;523&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;68&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,937&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(666)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(115)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(44)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(851)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(43)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of December 31, 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,837&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;509&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,062&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(127)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of December 31, 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,066&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;382&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,180&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In 2018, 2017 and 2016, there were no significant business combinations.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Impairment Test&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As mentioned in Note 2.2.8 of the consolidated financial statements for the year 2018&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, the cash-generating units (CGUs) to which goodwill has bee&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n allocated are periodically tested for impairment by including the allocated goodwill in their carrying amount. This analysis is performed at least annually and whenever there is any indication of impairment. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Both the CGU&amp;#8217;s fair values and the fair value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s assigned to its assets and liabilities had been based on the estimates and assumptions that the Group&amp;#8217;s Management has deemed most likely given the circumstances. However, some changes to the valuation assumptions used could result in differences in the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impairment test result.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Three key assumptions are used when calculating the impairment test. These hypothesis are the ones to which the amount of the recoverable value is most sensitive: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The forecast cash flows estimated by the Group&amp;#39;s management, and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;based on the latest available budgets for the next 5 years.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The constant sustainable growth rate for extrapolating cash flows, starting in the fifth year (2023), beyond the period covered by the budgets or forecasts.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The discount rate on future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, which coincides with the cost of capital assigned to each CGU, and which consists of a risk-free rate plus a premium that reflects the inherent risk of each of the businesses evaluated.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The focus used by the Group&amp;#39;s management to determine the values of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the hypotheses is based both on its projections and past experience. These values are uniform and use external sources of information. At the same time, the valuations of the most significant goodwill have in general been reviewed by independent experts (n&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ot the Group&amp;#39;s external auditors) who apply different valuation methods according to each type of asset and liability. The valuation methods used are: The method for calculating the discounted value of future cash flows, the market transaction method and t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he cost method.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:13,8pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, no indicators of impairment have been identified in any of the main CGUs.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Goodwill - United States CGU&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#8217;s most significant&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;goodwill corresponds to the CGU in the United States, the main sig&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nificant hypotheses used in the impairment test of this mentioned CGU are:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment test hypotheses CGU Goodwill in the United States &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,5%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sustainable growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Given the potential growth of the sector, in accordance with paragraph 33 of IAS 36, as of December 31, 2018, 2017 and 2016 the Group used a steady &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;growth rate of 4.0% based on the real GDP growth rate of the United States and expected inflation. This 4.0% rate is less than the historical average of the past 30 years of the nominal GDP rate of the United States and lower than the real GDP growth forec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;asted by the IMF.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The assumptions with a greater relative weight and whose volatility could affect more in determining the present value of the cash flows starting on the fifth year are the discount rate and the sustainable growth rate. Below is shown the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;increased (or decreased) amount of the recoverable amount as a result of a reasonable variation (in basis points) of each of the key assumptions:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:14,25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:481,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sensitivity analysis for main hypotheses - USA (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Impact of an increase of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Impact of a decrease of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.009)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.176&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sustainable growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(451)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Based on historical changes, the use of 50 basis points to calculate the se&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nsitivity analysis would be a reasonable variation with respect to the observed variations over the last five years.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Another assumption used, and with a high impact on the impairment test, is the budgets of the CGU and specifically the effect that changes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in interest rates have on cash flows.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Goodwill - Turkey CGU&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#8217;s most significant goodwill corresponds to the CGU in the Turkey, the main significant hypotheses used in the impairment test of this mentioned CGU are:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment test assumptions CGU Goodwill in Turkey&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,45pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24,3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sustainable growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Given the potential growth of the sector, in accordance with paragraph 33 of IAS 36, as of December 31, 2018, 2017 and 2016 the Group used a steady growth rate of 7.0% based on the real GDP growth rate of Turkey and expected inflation. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The assumptions wit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;h a greater relative weight and whose volatility could affect more in determining the present value of the cash flows starting on the fifth year are the discount rate and the sustainable growth rate. Below is shown the increased (or decreased) amount of th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e recoverable amount as a result of a reasonable variation (in basis points) of each of the key assumptions:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,9pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sensitivity analysis for main assumptions - Turkey (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,45pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Impact of an increase of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Impact of a decrease of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(149)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sustainable growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(37)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Based on historical changes, the use of 50 basis points to calculate the sensitivity analysis would be a reasonable v&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ariation with respect to the observed variations over the last five years.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Goodwill in business combinations&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;There were no significant business combinations during 2018, 2017 and 2016.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;18.2  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Other intangible assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance and changes of this heading in the accompanying consolidated balance sheets, according to the nature of the related items, is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other intangible assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Computer software acquisition expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.605&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.682&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.877&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other intangible assets with an infinite useful life&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other intangible assets with a definite useful life&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;518&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;708&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;960&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.402&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.849&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes of this heading in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;December 31, 2018, 2017 and 2016, are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Intangible Assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.402&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.849&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.137&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;564&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;645&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Amortization in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(614)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(694)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(735)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange differences and other &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(305)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(196)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(83)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.402&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.849&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017and 2016, the cost of fully amortized intangible assets that remained in use were &amp;#8364;1,604 million, &amp;#8364;1,380 million and &amp;#8364;1,501 million respectively, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;while their recoverable value was not significant.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfIntangibleAssetsExplanatory>
  <bbva:Financialassetsheldfortradingequityinstrumentsbyissuer id="ID_33" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:19,15pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets Held-for-Trading. Equity instruments by Issuer (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Shares of Spanish companies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;576&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;617&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;781&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other sectors&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;603&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;956&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.220&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.737&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Shares of foreign companies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;304&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;345&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;220&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other sectors&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.838&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.236&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.718&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.939&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialassetsheldfortradingequityinstrumentsbyissuer>
  <bbva:Financialliabilitiesheldfortradingdeposits id="ID_34" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Liabilities Held-for-Trading. Deposits (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from central banks (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;10.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;10.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from credit institutions (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;15.687&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;14.839&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from customers (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;11.736&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;11.466&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;37.934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialliabilitiesheldfortradingdeposits>
  <bbva:Financialassetsheldfortradingloansandadvances id="ID_35" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets Held-for-Trading. Loans and advances (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Reverse repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.566&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Reverse repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;13.305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Reverse repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;11.794&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28.750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialassetsheldfortradingloansandadvances>
  <bbva:Tableofnontradingfinancialassetsmandatoryatfairvaluethroughprofitorloss id="ID_36" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:22,5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,25pt;' &gt;&lt;td style='width:381,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:381,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:381,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:381,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.095&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:381,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:381,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:381,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.803&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:381,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#004481;border-color:Black;min-width:381,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.135&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofnontradingfinancialassetsmandatoryatfairvaluethroughprofitorloss>
  <bbva:Disclosureoftaxassetsandliabiltiiesexplanatory id="ID_37" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;19. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Tax assets and liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;19.1  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Consolidated tax group&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Pursuant to current legislation, the BBVA Consolidated Tax Group includes the Bank (as the parent company) and its Spanish subsidiaries that meet the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;requirements provided for under Spanish legislation regulating the taxation regime for the consolidated profit of corporate groups.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#8217;s non-Spanish other banks and subsidiaries file tax returns in accordance with the tax legislation in force in eac&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;h country.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;19.2  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Years open for review by the tax authorities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The years open to review in the BBVA Consolidated Tax Group as of December 31, 2018 are 2014 and subsequent years for the main taxes applicable.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The remainder of the Spanish consolidated entitie&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s in general have the last four years open for inspection by the tax authorities for the main taxes applicable, except for those in which there has been an interruption of the limitation period due to the start of an inspection.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the year 2017 as a conse&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;quence of the tax authorities examination reviews, inspections were initiated through the year 2013 inclusive, and all such years closed with acceptance during the year 2017. Therefore, these inspections did not constitute any material amount to record in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the Consolidated Annual accounts as their impact was provisioned.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In view of the varying interpretations that can be made of some applicable tax legislation, the outcome of the tax inspections of the open years that may be conducted by the tax authorities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in the future may give rise to contingent tax liabilities which cannot be reasonably estimated at the present time. However, the Group considers that the possibility of these contingent liabilities becoming actual liabilities is remote and, in any case, th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e tax charge which might arise therefore would not materially affect the Group&amp;#8217;s accompanying consolidated financial statements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;19.3  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Reconciliation&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The reconciliation of the Group&amp;#8217;s corporate income tax expense resulting from the application of the Span&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ish corporation income tax rate and the income tax expense recognized in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reconciliation of Taxation at the Spanish Corporation Tax Rate to the Tax Expense Recorded for the Period&amp;#160;  (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Effective Tax &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Effective Tax &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Effective Tax &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Profit or (-) loss before tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8.446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;From continuing operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Taxation at Spanish corporation tax rate 30%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.534&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.079&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.918&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Lower effective tax rate from foreign entities  (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(234)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(307)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(298)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Mexico &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(78)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(100)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(105)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Chile &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Colombia &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Peru &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(132)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(182)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(176)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Revenues with lower tax rate (dividends/capital gains)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(57)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(69)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity accounted earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;452&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Current income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2.295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;1.699&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Continuing operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.699&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Calculated by applying the difference between the tax rate in force in Spain and the one &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;applied to the Group&amp;#8217;s earnin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;gs in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;each jurisdiction.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The effective income tax rate for the Group in the years ended December 31, 2018, 2017 and 2016 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Effective Tax Rate (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Income from:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Consolidated Tax Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.482&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(678)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(483)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Spanish Entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Foreign Entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.823&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.392&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income tax and other taxes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.699&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Effective Tax Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;27,17%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;31,3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the year 2018, the changes in the nominal tax rate on corporate&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; income tax, in comparison with those existing in the previous year, in the main countries in which the Group has a presence, have been in United States (federal tax from 35% to 21%), Turkey (from 20% to 22%), Argentina (f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rom 35% to 30%), Chile (from 25.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;5%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; to 27%) and Colombia (from 40% to 37%). In the year 2017, the changes in the nominal tax rate on corporate income tax, in comparison with those existing in the previous period, in the main countries in which the Group has a presence, have been in Chile (f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rom 24.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;0% to 25.5%) and Peru (f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rom 28.0% to 29.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;5%).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;19.4  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Income tax recognized in equity&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition to the income tax expense recognized in the accompanying consolidated income statements, the Group has recognized the following income tax charges for t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hese items in the consolidated total equity:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tax recognized in total equity (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Charges to total equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities and others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(87)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(355)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(533)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(56)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(74)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(143)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(429)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(535)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(143)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(429)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(535)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;19.5  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Current and deferred taxes&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The balance under the heading &amp;quot;Tax assets&amp;quot; in the accompanying consolidated balance sheets includes current and deferred tax assets. The balance under the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8220;Tax liabilities&amp;#8221; heading includes the Group&amp;#8217;s various current and deferred tax liabilities. The details of the mentioned tax assets and liabilities are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:480pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tax assets and liabilities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Current tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.784&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.853&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deferred tax assets &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.316&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.725&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16.391&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Pensions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;395&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Financial Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.401&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.453&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.371&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other assets (investments in subsidiaries)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;302&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;357&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;662&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.375&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.005&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.390&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;870&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.236&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Secured tax assets (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.431&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Tax losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.480&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.111&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18.100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16.888&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18.245&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Tax Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Current tax liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.276&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deferred tax liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.392&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Financial Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.136&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.794&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Charge for income tax and other taxes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;910&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;757&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.598&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.276&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.298&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.668&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Law guaranteeing the deferred tax assets has been approved in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Spain in 2013. In years 2016 and 2017 guaranteed deferred tax assets also existed in Portugal but in year 2018 they lost the guarantee due to the merge between BBVA Portugal S.A. and BBVA, S.A.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;At the end of year 2018, a tax reform has taken place in Col&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ombia, which is expected to hold a 37% tax rate for financial institutions in 2019 (prior to the reform, a 33% tax rate was planned).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The most significant variations of the deferred assets and liabilities in the years 2018, 2017 and 2016 derived from the f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ollowings causes:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deferred tax assets and liabilities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Liabilities&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;14.725&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16.391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.878&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.418&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pensions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(795)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financials Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(52)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(291)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(367)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(103)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(113)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(55)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(305)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;370&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(385)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;153&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(366)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(841)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;255&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Guaranteed Tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(70)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(105)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tax Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;268&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;101&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Charge for income tax and other taxes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.316&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;14.725&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16.391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.392&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:5pt;margin-bottom:5pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With respect to the changes in assets and liabilities due to deferred tax contained in the above table, the following should be pointed out:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The decrease in guaranteed tax assets is motivated because those &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;corresponding to Portugal are no longer considered as guaranteed.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The increase in tax losses is mainly due to the Corporate Income Tax (CIT) return 2017 that has generated differences with respect to the estimate of Corporate Tax reflected in the financial&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; statements, on the other hand, the increase in tax losses is also due &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;to the generation of negative tax bases and deductions during year 2018.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The evolution of the deferred tax assets and liabilities (without taking into consideration the guaranteed defer&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;red tax asset and the tax losses) in net terms is a decrease of &amp;#8364;531 million mainly due to the first implementation of IFRS9, the variations in the valuation of portfolio securities and to the operation of the corporate income tax in which differences betw&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;een accounting and taxation produce movements in the deferred taxes.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:4pt;margin-bottom:4pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On the deferred tax assets and liabilities contained in the table above, those included in section 19.4 above have been recognized against the entity&amp;#39;s equity, and the rest against earnin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;gs for the year or reserves.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, the estimated amount of temporary differences associated with investments in subsidiaries, joint ventures and associates, which were not recognized deferred tax liabilities in the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;accompanying consolidated balance sheets, amounted to 443 million euros, 376 million euros and 874 million euros, respectively.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Of the deferred tax assets contained in the above table, the detail of the items and amounts guaranteed by the Spanish governmen&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t, broken down by the items that originated those assets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Secured tax assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017 (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016 (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pensions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.874&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.897&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.901&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.530&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.431&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;In 2017 and 2016 guaranteed deferred tax assets also existed in Portugal but in 2018 they lost the guarantee.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, non-guaranteed net &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;deferred tax assets of the above table amounted to &amp;#8364;3,907 million (&amp;#8364;3,108 and &amp;#8364;3,568 million as of December 31, 2017 and 2016 respectively), which broken down by m&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ajor geographies is as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Spain: Net deferred tax assets recognized in Spain totaled &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;,653&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million as of December 31, 2018 (&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;2,052&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;2,007&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million as of December 31, 2017 and 2016, respectively). &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;1,462&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million of the figure recorded in the year ended December 31, 2018 for net deferred tax assets related to tax credits and tax loss carry&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; forwards and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;1,191&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million relate to temporary differences. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Mexico: Net deferred tax assets recognized in Mexico amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;826&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million as of December 31, 2018 (&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;615&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;698&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million as of December 31, 2017 and 2016, respectively). &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;99.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;97% of deferred &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tax assets as of December 31, 2018 relate to temporary differences&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The remainders are tax credits carry forwards&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;South America: Net deferred tax assets recognized in South America amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;383&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; thousand as of December 31, 2018 (&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;26&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;362&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million as&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; of December 31, 2017 and 2016, respectively). &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Practically all the deferred tax assets are related to temporary differences&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;only 1.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;03% are related to tax credits&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The United States: Net deferred tax assets recognized in The United States amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;164&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;million as of December 31, 2018 (&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;180&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;345&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million as of December 31, 2017 and 2016, respectively). &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;All the deferred tax assets relate to temporary differences&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Turkey: Net deferred tax assets recognized in Turkey amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;250&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million as of Decembe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;r 31, 2018 (&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;224&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;135&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; million as of December 31, 2017 and 2016 respectively). As of December 31, 2018, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;all the deferred tax assets correspond to &amp;#8364;15 million of tax credits related to tax losses carry forwards and deductions&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;and &amp;#8364;235 million relate to t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;emporary differences&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Based on the information available as of December 31, 2018, including historical levels of benefits and projected results available to the Group for the coming years, it is considered that sufficient taxable income will be generated f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;or the recovery of above mentioned unsecured deferred tax assets when they become deductible according to the tax laws.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On the other hand, the Group has not recognized certain deductible temporary differences, negative tax bases and deductions for which, i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n general, there is no legal period for offsetting, amounting to approximately &amp;#8364; 2,236 million, which are mainly originated by Catalunya Banc.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureoftaxassetsandliabiltiiesexplanatory>
  <bbva:Tableoffinancialinstrumentsdesignatedatfairvaluethroughprofitorlossexplanatory id="ID_38" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets and liabilities designated at fair value through profit or loss (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.888&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.920&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Unit-linked products&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.749&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;266&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;174&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.062&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;976&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.858&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Unit-linked products&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableoffinancialinstrumentsdesignatedatfairvaluethroughprofitorlossexplanatory>
  <bbva:Disclosureoffinancialassetsatfairvaluethroughothercomprehensiveincomeexplanatory id="ID_39" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets designated at fair value through other comprehensive income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53.737&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66.273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;74.739&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(159)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;53.709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;66.251&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;74.580&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.488&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.814&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.264)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(174)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.224&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.641&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;56.337&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;69.476&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;79.221&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoffinancialassetsatfairvaluethroughothercomprehensiveincomeexplanatory>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecurities id="ID_40" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18,6pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets designated at fair value through other comprehensive income: Debt Securities. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Book Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Domestic Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spanish Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;661&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.857&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.597&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.696&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;855&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;804&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;841&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18.802&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;761&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;19.553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.299&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(142)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.163&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexican Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(121)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.169&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;994&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;978&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;961&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(217)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(135)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.130&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;US Treasury and other US Government agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(56)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.258&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;States and political subdivisions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.942&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(79)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.872&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.280&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.208&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.231&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.158&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4.164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(269)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.916&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.007&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(256)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.771&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9.551&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;319&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9.740&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other foreign governments and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.510&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;173&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.601&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;987&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;986&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.856&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.947&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.197&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.206&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;34.521&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(758)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;34.157&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;53.323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.153&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(768)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;53.709&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  The amortized co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;st includes portfolio gains/losses linked to insurance contracts in which the policyholder assumes the risk in case of redemption.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18,6pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Available-for-sale financial assets: Debt Securities. December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Book Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Domestic Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,25pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spanish Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.765&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;791&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.539&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.951&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.066&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;891&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;962&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;24.716&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;906&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;25.605&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9.755&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(142)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9.658&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexican Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.101&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(120)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.015&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.654&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.643&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;209&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.434&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;12.479&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(198)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;12.317&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.625&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(133)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.500&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;US Treasury and other US Government agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.052&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;States and political subdivisions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(99)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.482&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.854&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(65)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.817&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.798&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(65)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.759&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5.052&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(115)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4.985&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.033&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(114)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.967&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;13.271&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(117)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;13.687&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other foreign governments and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.774&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.022&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.497&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(40)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.664&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.331&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.654&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.632&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.679&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;40.557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;661&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(572)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;40.647&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;65.273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.567&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(589)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;66.251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  The amortized cost includes portfolio gains/losses linked to insurance contracts in which the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;policyholder assumes the risk in case of redemption.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Available-for-sale financial assets: Debt Securities. December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Book Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Domestic Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spanish Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.119&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.421&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;986&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.067&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.319&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;24.731&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;828&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;25.540&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;11.525&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(343)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;11.200&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexican Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.728&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(301)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.438&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.797&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.710&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(41)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.256&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(261)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.043&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.460&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(131)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.337&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;US Treasury and other US Government agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.702&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.683&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;States and political subdivisions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.758&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(112)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.654&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.797&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.706&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.702&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.609&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5.550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(180)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5.443&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey Government and other general governments agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.055&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(164)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.961&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;495&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;482&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;448&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;436&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;17.923&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;634&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(203)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;18.354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other foreign governments and other general government agencies debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.882&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;373&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(98)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.156&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(105)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.197&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.657&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.659&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(54)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.311&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Issued by other issuers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.115&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(49)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.227&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;49.253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;773&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(987)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;49.040&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;73.985&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(1.006)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;74.580&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  The amortized cost includes portfolio gains/losses linked to insurance contracts in which the policyholder assumes the risk in case of redemption.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecurities>
  <bbva:Disclosureofotherassetsandliabilitiesexplanatory id="ID_41" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;20.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Other assets and liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other assets and liabilities: (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Inventories&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;635&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.298&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Real estate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;633&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.268&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transactions in progress&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;249&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;156&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accruals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;702&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;768&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;723&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Prepaid expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;509&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;518&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other prepayments and accrued income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;204&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other items&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.886&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.012&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total Other Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.472&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.359&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.274&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transactions in progress&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;127&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accruals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.558&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.721&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Accrued expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.997&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.125&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other accrued expenses and deferred income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;439&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;596&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other items&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.704&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.131&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total Other Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.979&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;&amp;quot;Inventories&amp;quot; includes the net book value of land and building purchases that the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Group&amp;#8217;s Real estate entities have available for sale or as part of their business. Balances under this heading include mainly real estate assets acquired by these entities from distressed customers (mostly in Spain), net of their corresponding losses. The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;roll-forward of our inventories from distressed customers is provided below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15,6pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Inventories from Distressed Customers (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Gross value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.499&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.318&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Acquisitions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;336&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2.288)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.214)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6.653)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.499&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated impairment losses &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5.385)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Carrying amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.114&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2017, the majority of the balance of real estate assets acquired from distressed customers was reclassified to the heading &amp;quot;Non-current&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; assets and disposable groups of items that have been classified as held for sale&amp;quot; (see Note 21) due to the agreement with Cerberus to transfer the Real Estate business in Spain (see Note 3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The impairment included under the heading &amp;#8220;Impairment or &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;reversal of impairment of non- financial assets&amp;#8221; of the accompanying consolidated financial statements were &amp;#8364;51, &amp;#8364;306 and &amp;#8364;375 million in 2018, 2017 and 2016, respectively (see Note 48).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As indicated in Note 2.2.6, &amp;#8220;Inventories&amp;#8221; are valued at the lower &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;amount between its fair value less costs to sell and its book value. As of December 31, 2018, practically all of the carrying amount of the assets recorded at fair value on a non-recurring basis coincides with their fair value.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofotherassetsandliabilitiesexplanatory>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyrating id="ID_42" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,6pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities by Rating&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AAA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;687&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.922&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24,4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,2%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;594&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;409&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;291&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;575&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;632&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,2%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;664&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;687&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;683&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.426&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34,3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.719&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,1%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35.175&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53,1%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29.569&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,6%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.958&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.233&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.003&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,9%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.583&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB+ or below&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.453&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.564&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.055&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Without rating&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;445&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.071&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,6%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;53.709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;66.251&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;74.580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyrating>
  <ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory id="ID_43" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;21.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Non-current assets and disposal groups held for sale&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The composition of the balance under the heading &amp;#8220;Non-current assets and disposal groups classified as held for sale&amp;#8221; in the accompanying consolidated balance sheets, broken down by the origin of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the assets, is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:23,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale Breakdown by items (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreclosures and recoveries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.225&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Foreclosures (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.057&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Recoveries from financial leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;160&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other assets from tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;447&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.181&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Property, plant and equipment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;276&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;447&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;378&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Operating leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;803&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Investment properties (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Business sale - Assets (**)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;18.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Accrued amortization (***)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(44)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(116)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Impairment losses &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(628)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.348)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.727)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total Non-current assets and disposal groups classified as held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.001&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;23.853&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.603&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Corresponds mainly to the agreement with Cerberus to transfer the &amp;quot;Real Estate&amp;quot; business in Spain (see Note 3).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Corresponds mainly to the BBVA&amp;#180;s stake in BBVA Chile (see Note 3).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(***) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Amortiza&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;tion accumulated until related asset reclassified as &amp;#8220;non-current assets and disposal groups held for sale&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes in the balances of &amp;#8220;Non-current assets and disposal groups classified as held for sale&amp;#8221; in 2018, 2017 and 2016 are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15,6pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale Changes in the year 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;From Own Use Assets &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(*)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Other assets (**)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:31,15pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets through Auction Proceeding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Recovered Assets from Finance Leases&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Cost  (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;6.047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;160&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;371&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;18.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;25.201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;637&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;696&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4.354)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(135)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(227)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(18.594)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(23.310)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers, other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(195)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;241&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;389&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.629&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Impairment  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.348&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(793)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(37)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(101)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(931)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;482&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;628&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end of Net carrying value (1)-(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.653&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.001&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Net of amortization accumulated until assets were reclassified as non-current assets held for sale&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The variation corresponds mainly &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the BBVA&amp;#8217;s stake in BBVA Chile and the agreement with Cerberus to transfer the &amp;quot;Real Estate&amp;quot; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;business in Spain (see Note 3)&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:16,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale Changes in the year 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;From Own Use Assets &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(*)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Other assets&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets through Auction Proceeding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Recovered Assets from Finance Leases&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Cost  (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.065&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;5.330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;791&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;837&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.037)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(49)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(131)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.217)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers, other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.236&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(564)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;18.583&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20.251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;6.047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;160&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;371&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;18.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;25.201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Impairment  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;443&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.727&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;143&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(272)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(321)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(208)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(216)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.348&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end of Net carrying value (1)-(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;177&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;18.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;23.853&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Net of amortization accumulated until assets were reclassified as non-current assets held for sale&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The variation corresponds mainly&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; the BBVA&amp;#8217;s stake in BBVA Chile and the agreement with &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Cerberus to transfer the &amp;quot;Real Estate&amp;quot; business in Spain (see Note 3)&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:16,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale Changes in the year 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;From Own Use Assets &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(*)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Other assets&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(**)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets through Auction Proceeding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Recovered Assets from Finance Leases&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Cost  (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.775&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;626&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.654&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;582&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;57&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;662&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(779)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(170)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.023)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers, other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;480&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;586&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.037&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.065&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;5.330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Impairment  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;994&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.285&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;136&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(153)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(192)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;268&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;232&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;499&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;443&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.727&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end of Net carrying value (1)-(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.820&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.603&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Net of amortization accumulated until assets were reclassified as non-current assets held for sale&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As indicated in Note 2.2.4, &amp;#8220;Non-current assets and disposal groups held for sale&amp;#8221; and &amp;#8220;liabilities included in disposal groups classified as held for sale&amp;#8221; are valued at the lower amount between its fair value less costs to sell and its book value. As of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;December 31, 2018, practically all of the carrying amount of the assets recorded at fair value on a non-recurring basis coincides with their fair value.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Assets from foreclosures or recoveries&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, assets from &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;foreclosures and recoveries, net of impairment losses, by nature of the asset, amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,072&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,924&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2,326&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million in assets for residential use; &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;182&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;491&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;574&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million in assets for tertiary use (industrial, commercial or office) and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;19&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;29&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;41&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million in assets for agricultural use, respectively.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In December 31, 2018, 2017 and 2016, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the average sale time of assets from foreclosures or recoveries was between 2 and 3 years.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During the years 2018, 2017 and 2016, some of the sale transact&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ions for these assets were financed by Group companies. The amount of loans to buyers of these assets in those years amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;82&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;207&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;219&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, respectively; with an average financing of 50% of the sales price.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;and 2016, the amount of the profits arising from the sale of Group companies financed assets - and therefore not recognized in the consolidated income statement - amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in each financial year.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomeequityinstruments id="ID_44" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets designated at fair value through other comprehensive income: Equity Instruments. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity instruments listed&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.962&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.962&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed foreign company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.262&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(222)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unlisted Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unlisted foreign companies shares &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;453&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;506&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;388&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;411&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;85&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;459&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;513&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.721&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(223)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.595&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17,1pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Available-for-sale financial assets: Equity Securities. December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity instruments listed&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.188&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.188&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed foreign company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;215&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.429&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Unlisted equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unlisted Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unlisted foreign companies shares &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;665&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;734&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;532&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;151&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;182&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;698&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;796&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.224&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Available-for-sale financial assets: Equity Securities. December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Amortized Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Unrealized Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity instruments listed&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(944)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(944)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Listed foreign company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;289&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.066&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;981&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.483&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;306&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(960)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.829&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Unlisted equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unlisted Spanish company shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;   Unlisted foreign companies shares &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;708&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;752&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;537&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;550&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;178&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;766&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;811&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(962)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.641&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomeequityinstruments>
  <bbva:Accumulatedothercomprehensiveincomeitemsthatmaybereclassifiedtoprofitorlossavailableforsalefinancialassets id="ID_45" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:24pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:#000000;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated other comprehensive income-Items that may be reclassified to profit or loss - Financial assets at fair value through other comprehensive income  (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.557&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Effect of changes in accounting policies (IFRS 9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(58)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Valuation gains and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(640)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Amounts transferred to income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(137)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;221&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;943&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:16,15pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:#000000;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated other comprehensive income-Items that may be reclassified to profit or loss - Financial assets at fair value through other comprehensive income  (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Effect of changes in accounting policies (IFRS 9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(40)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Valuation gains and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(174)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#004FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(155)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:31,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated other comprehensive income-Items that may be reclassified to profit or loss - Available-for-Sale Financial Assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;947&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.674&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Valuation gains and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;321&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;400&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Amounts transferred to income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.181)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other reclassifications&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(62)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;947&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.629&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(682)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Accumulatedothercomprehensiveincomeitemsthatmaybereclassifiedtoprofitorlossavailableforsalefinancialassets>
  <bbva:Disclosureoffinancialliabilitiesatamortizedcostexplanatory id="ID_46" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;22. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Financial liabilities at amortized cost&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;22.1  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Breakdown of the balance&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities measured at amortized cost (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;435.229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;467.949&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;499.706&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Deposits from Central Banks (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.281&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37.054&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34.740&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Deposits from Credit Institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.978&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54.516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63.501&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;375.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;376.379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;401.465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61.112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63.915&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;76.375&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.129&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;509.185&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;543.713&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;589.210&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;As of December 31, 2018, balance relating to repurchase agreements in Central Banks is &amp;#8364;375 million (see Note 35).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;22.2  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Deposits from credit institutions&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the consolidated balance sheets, according to the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nature of the financial instruments, is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:476,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:476,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from credit institutions (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Term deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25.941&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30.429&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.370&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.731&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.651&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:275,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.420&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;31.978&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;54.516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63.501&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown by geographical area and the nature of the related instruments of this heading in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from Credit Institutions. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41,25pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits &amp;amp; Reciprocal Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.981&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.527&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.563&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.701&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.677&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.379&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;280&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;566&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;669&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.323&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.903&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.534&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.545&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.268&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.370&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;19.015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;31.978&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from Credit Institutions. December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41,25pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits &amp;amp; Reciprocal Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;762&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.879&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;878&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.518&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.398&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.961&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;282&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.429&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;953&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;448&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.999&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.592&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.732&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34.849&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.369&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.806&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.731&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;25.941&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;24.843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;54.516&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from Credit Institutions. December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits &amp;amp; Reciprocal Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;956&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.995&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.768&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.812&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.225&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.040&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;306&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;426&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.663&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.463&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;275&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.035&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;896&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.597&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;509&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.194&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30.429&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28.420&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63.501&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;22.3  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Customer deposits&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of this heading in the accompanying consolidated balance sheets, by type of financial instrument, is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;General Governments &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.459&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.210&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.396&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Current accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;238.907&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;223.497&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;212.604&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Time deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;105.257&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116.538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;153.388&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.514&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Subordinated deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;220&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;233&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.920&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.864&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;375.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;376.379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;401.465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;  In Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;184.934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;184.150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;189.438&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;  In foreign currency&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;191.036&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;192.229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;212.027&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown by geographical &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;area of this heading in the accompanying consolidated balance sheets, by type of instrument is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer Deposits. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;138.236&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;166.403&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41.222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62.539&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.383&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.837&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;770&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50.991&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.856&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.564&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33.427&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.811&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37.970&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.233&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.415&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;429&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.077&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.731&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.563&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;260.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;114.188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;375.970&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer Deposits. December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;123.382&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.513&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.664&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;165.559&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.728&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58.164&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.492&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.622&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.272&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;52.387&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.815&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.710&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.053&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.764&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.816&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.177&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.028&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.511&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;240.583&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;126.716&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.079&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;376.379&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer Deposits. December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102.730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56.391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.901&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;161.022&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.997&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;263&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50.282&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.002&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54.117&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47.340&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.971&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62.311&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.862&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.211&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.683&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.306&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30.949&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.190&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.382&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.572&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;231.547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;156.425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;401.465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;22.4  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Debt &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;certificates&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; by currency, is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:481,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt certificates (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;In Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;37.436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;38.735&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;45.619&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Promissory bills and notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;875&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-convertible bonds and debentures&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.638&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.418&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.766&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Covered bonds (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16.425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.845&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Hybrid financial instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;814&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;468&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securitization bonds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.630&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.693&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.136&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.481&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.972&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.070&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible perpetual securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.070&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Non-convertible&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.981&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.902&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Preferred Stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;359&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.540&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.543&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;In Foreign Currencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;23.676&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;25.180&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;30.759&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Promissory bills and notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;382&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-convertible bonds and debentures&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.335&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.134&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Covered bonds (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;569&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;650&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;149&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Hybrid financial instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.455&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.059&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securitization bonds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.499&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;873&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.548&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible perpetual securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;873&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.548&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Non-convertible&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.626&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.467&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Preferred Stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;74&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;620&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.268&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.846&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;  Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;61.112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63.915&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;76.375&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; Including mortgage-covered bonds (see Appendix III).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 67% of &amp;#8220;Debt certificates&amp;#8221; have fixed-interest rates and 33% have variable interest rates.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Most of the foreign currency &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;issues are denominated in U.S. dollars.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;22.4.1 Subordinated liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The issuances of BBVA International Preferred, S.A.U., BBVA Global Finance, Ltd., Caixa Terrassa Societat de Participacions Preferents, S.A.U. and CaixaSabadell Preferents, S.A.U., are jointly, severally and irrevocably guaranteed by the Bank. The balance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;variances are mainly due to the following transactions:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Convertible perpetual liabilities&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On September 24, 2018, BBVA carried out the seventh issuance of perpetual contingent convertible securities (additional tier 1 instrument), with exclusion of pre-empt&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ive subscription rights of shareholders, for a total nominal amount of &amp;#8364;1,000 million. This issuance is listed in the AIAF Fixed Income Securities Market and in any case the issuance shall be offered or sold to any retail clients. The issuance qualifies as&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; additional tier 1 capital of the Bank and the Group in accordance with Regulation EU 575/2013. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The additional five issuances of perpetual contingent convertible securities (additional tier 1 instruments) with exclusion of pre-emptive subscription rights &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of shareholders were carried out in February 2014 and February 2015 for an amount of &amp;#8364;1.5 billion each one; in April 2016 for an amount of &amp;#8364;1 billion; in May 2017 for an amount of &amp;#8364;500 million and in November 2017 for an amount of USD1 billion. These issua&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nces were targeted only at qualified investors and foreign private banking clients not being offered to, and not being subscribed for, in Spain or by Spanish residents. The first issuance is listed in the Singapore Exchange Securities Trading Limited and t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he other issuances are listed in the Global Exchange Market of the Irish Stock Exchange. Furthermore, these issuances qualify as additional tier 1 capital of the Bank and the Group in accordance with Regulation UE 575/2013.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These perpetual securities will &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;be converted into newly issued ordinary shares of BBVA if the CET 1 ratio of the Bank or the Group is less than 5.125%, in accordance with their respective terms and conditions.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These issues may&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; be fully redeemed at BBVA&amp;#180;s option only in the cases contemplated in their respective terms and conditions, and in any case, in accordance with the provisions of the applicable legislation.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In particular, on May 9, 2018, the Bank early redeemed the issuan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ce of preferred securities contingently convertible (additional tier 1 instrument) carried out by the Bank on May 9, 2013, for an amount of USD1.5 billion on the First Reset Date of the issuance and once the prior consent from the Regulator was obtained. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, on January 15, 2019, the Bank has notified its irrevocable decision to early redeem next February 19, 2019 the issuance of preferred securities contingently convertible (additional tier 1 instrument), carried out by the Bank on February 19, 2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;014, for a total amount of &amp;#8364;1,5 billion and once the prior consent from the Regulator has been obtained.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Preferred securities&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown by issuer of the balance under this heading in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Preferred Securities by Issuer (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA International Preferred, S.A.U. &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;855&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unnim Group &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Compass Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Colombia, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;181&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;979&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Listed on the London and New York stock exchanges.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Unnim Group: Issuances prior to the acquisition by BBVA.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These issues were fully subscribed at the moment&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of the issue by qualified/institutional investors outside the Group and are redeemable at the issuer company&amp;#8217;s option after five years from the issue date, depending on the terms of each issue and with prior consent from the Bank of Spain.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Redemption of p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt;referred securities&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On March 20, 2017 BBVA International Preferred, S.A.U. carried out the early redemption in full of its Series B preferred securities for an outstanding amount of &amp;#8364;164,350,000.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Likewise, on March 22, 2017 BBVA International Preferred, S.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;A.U. carried out the early redemption in full of its Series A preferred securities for an outstanding amount of &amp;#8364;85,550,000.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Finally, on April 18, 2017 BBVA International Preferred, S.A.U. carried out the early redemption in full of its Series C preferred &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;securities for an outstanding amount of USD 600,000,000.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;22.5   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Other financial liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:476,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:476,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other financial liabilities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Creditors for other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.891&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Collection accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.452&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.768&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Creditors for other payables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.370&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividend payable but pending payment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;525&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;11.850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.129&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoffinancialliabilitiesatamortizedcostexplanatory>
  <bbva:Tableoffinancialassetsatamortisedcost id="ID_47" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at amortized cost (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December      &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;32.530&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;24.093&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;28.905&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.941&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7.300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8.894&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;26.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;31.373&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;374.027&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;387.621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;414.500&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.645&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.173&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;163.922&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;164.510&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;172.522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;173.293&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;419.660&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;445.275&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;483.672&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableoffinancialassetsatamortisedcost>
  <ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory id="ID_48" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances to Central Banks and Credit Institutions (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.941&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.894&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.373&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Reverse repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;478&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.861&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.561&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.812&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.104&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;33.561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;40.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;7.3.5 / 7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(43)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory>
  <ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory id="ID_49" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances to Customers (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.560&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.445&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16.596&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.753&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.650&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.442&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.554&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.291&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;324.767&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;313.336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;339.862&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.794&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.306&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;374.027&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;387.621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;414.500&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Impaired assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;7.3.5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;16.349&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;19.390&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;22.915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;7.3.5 / 7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(12.199)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(12.748)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(15.974)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory>
  <bbva:Securitizedloans id="ID_50" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17,1pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securitized Loans (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securitized mortgage assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.556&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.950&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29.512&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other securitized assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.143&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.731&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29.777&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;33.093&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;33.243&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Securitizedloans>
  <ifrs-full:DisclosureOfDebtSecuritiesExplanatory id="ID_51" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,6pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:#000000;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25.014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.030&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20.736&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;644&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.688&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other sectors &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.872&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.911&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.481&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;32.530&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;24.093&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28.905&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(51)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDebtSecuritiesExplanatory>
  <bbva:Financialassetsatamortizedcostdebtsecuritiesbyrating id="ID_52" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.15pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:481.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at amortized cost. Debt Securities by Rating&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.9pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:46.9pt;' &gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying amount&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying amount&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying amount&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AAA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.2%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,969&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.1%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.2%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.9%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.1%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.8%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42.7%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41.2%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,472&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59.2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,412&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.5%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;591&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,818&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20.5%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,187&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20.45pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB+ or below&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,371&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.4%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Without rating&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.5%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,064&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.7%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,270&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;32,530&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100.0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13,754&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100.0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;17,696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:65.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:65.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;100.0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialassetsatamortizedcostdebtsecuritiesbyrating>
  <bbva:Debtsecuritiesreclassifiedtoloansandreceivablesfromavailableforsalefinancialassets id="ID_53" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.9pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities reclassified (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;As of Reclassification date&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;As of December 31, 2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;As of December 31, 2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;As of December 31, 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,467&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,486&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,236&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,498&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;TURKIYE GARANTI BANKASI, A.S&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,488&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,488&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,859&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,381&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18,512&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18,512&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,154&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12,617&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12,678&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,663&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,581&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Debtsecuritiesreclassifiedtoloansandreceivablesfromavailableforsalefinancialassets>
  <bbva:Effectonincomestatementandothercomprehensiveincome id="ID_54" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.45pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:480pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Effect on Income Statement and Other Comprehensive Income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Recognized in&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Effect of not Reclassifying in&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Recognized in&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Effect of not Reclassifying in&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Recognized in&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Effect of not Reclassifying in&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:39pt;' &gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Equity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&amp;quot;Accumulated other comprehensive income&amp;quot;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Equity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&amp;quot;Accumulated other comprehensive income&amp;quot;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Equity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&amp;quot;Accumulated other comprehensive income&amp;quot;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;BBVA, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;198&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;198&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(14)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;TURKIYE GARANTI BANKASI, A.S&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;414 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;414 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(172)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(225)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.45pt;' &gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(173)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;743&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;743&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(30)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(316)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Effectonincomestatementandothercomprehensiveincome>
  <ifrs-full:DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory id="ID_55" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:27pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.833&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.347&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory>
  <bbva:Hedgingderivativesbreakdownbytypeoftheriskandtypeofhedge id="ID_56" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging Derivatives Breakdown by type of risk and type of hedge (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33,6pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;982&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;513&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.141&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.154&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;974&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;978&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;739&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.029&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;856&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;587&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;398&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;625&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;587&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;398&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;625&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;FAIR VALUE HEDGES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.575&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.766&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.362&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.577&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;244&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;358&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;219&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;242&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;186&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;358&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;955&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;873&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;955&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;873&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;160&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;CASH FLOW HEDGES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.435&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.247&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;476&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;92&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;231&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;362&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;PORTFOLIO FAIR VALUE HEDGES OF INTEREST RATE RISK&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;256&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;214&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;PORTFOLIO CASH FLOW HEDGES OF INTEREST RATE RISK&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;DERIVATIVES-HEDGE ACCOUNTING&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;2.347&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#666666;' &gt;of which: OTC - credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2.534&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2.462&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;1.829&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2.527&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2.381&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2.103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#666666;' &gt;of which: OTC - other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;435&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;165&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#666666;' &gt;of which: OTC - other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#000000;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Hedgingderivativesbreakdownbytypeoftheriskandtypeofhedge>
  <ifrs-full:DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory id="ID_57" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash Flows of Hedging Instruments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 Months or Less&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;From 3 Months to 1 Year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;From 1 to 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;More than 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Receivable cash inflows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;277&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.828&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.181&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.401&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Payable cash outflows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;517&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.215&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.092&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory>
  <bbva:Disclosureofliabilitiesunderinsurancecontractsandreinsurancecontractsissuedexplanatory id="ID_58" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;23.  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Assets and liabilities under insurance and reinsurance contracts&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group has insurance subsidiaries mainly in Spain and Latin America (mostly in Mexico). The main product offered by the insurance subsidiaries is&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; life insurance to cover the risk of death (risk insurance) and life-savings insurance. Within life and accident insurance, a distinction is made between freely sold products and those offered to customers who have taken mortgage or consumer loans, which c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;over the principal of those loans in the event of the customer&amp;#8217;s death.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;There are two types of savings products: individual insurance, which seeks to provide the customer with savings for retirement or other events, and group insurance, which is taken out &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;by employers to cover their commitments to their employees.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The insurance business is affected by different risks, including those that are related to the BBVA Group such as credit risk, market risk, liquidity risk and operational risk and the methodology &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;for risk measurement applied in the insurance activity is similar (see Note 7), although it has a differentiated management due to the particular characteristics of the insurance business, such as the coverage of contracted obligations and the long term of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the commitments. Additionally, the insurance business generates certain specific risks, of a probabilistic nature: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:4pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Technical risk: arises from deviations in the estimation of the casualty rate of insurances, either in terms of numbers, the amount of such&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; claims and the timing of its occurrence.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:4pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Biometric risk: depending on the deviations in the expected mortality behavior or the survival of the insured persons.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The insurance industry is highly regulated in each country. In this regard, it should be noted &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;that the insurance industry is undergoing a gradual regulatory transformation through new risk-based capital regulations, which have already been published in several countries.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The most significant provisions recognized by consolidated insurance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;subsidiaries with respect to insurance policies issued by them are under the heading &amp;#8220;Liabilities under insurance and reinsurance contracts&amp;#8221; in the accompanyi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng consolidated balance sheets.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Technical Reserves by type of insurance product (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mathematical reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.504&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.961&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.813&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Individual life insurance  &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#808080;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.201&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.359&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.791&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Savings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.180&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.943&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;967&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;848&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Others &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Group insurance &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#808080;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.303&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.022&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Savings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.210&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.455&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.801&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;93&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;147&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;221&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provision for unpaid claims reported&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;662&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;631&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;691&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for unexpired risks and other provisions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;631&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;635&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.834&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Provides coverage in the event of death or disability.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The insurance policies purchased by employers (other than BBVA Group) on behalf of its employees&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The cash flows of those Liabilities under insurance and reinsurance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;contracts are shown below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:31,5pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Maturity (Millions of euros)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Liabilities under Insurance and Reinsurance Contracts&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.686&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.834&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.560&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.042&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.223&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.482&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The modeling methods and techniques used to calculate the mathematical reserves for the insurance products are actuarial and financial methods and modeling techniques approved by the respective country&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;insurance regulator or supervisor. The most important insurance entities are located in Spain and Mexico (which together account for approximately 85% of the insurance revenues), where the modeling methods and techniques are reviewed by the insurance regul&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ator in Spain (General Directorate of Insurance) and Mexico (National Insurance and Bonding Commission), respectively. The modeling methods and techniques used to calculate the mathematical reserves for the insurance products are compliant with IFRS and pr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;imarily involve the valuation of the estimated future cash flows, discounted at the technical interest rate for each policy. To ensure this technical interest rate, asset-liability management is carried out, acquiring a portfolio of securities that generat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e the cash flows needed to cover the payment commitme&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nts assumed with the customers.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The table below shows the key assumptions as of December 31, 2018, used in the calculation of the mathematical reserves for insurance products in Spain and Mexico, respec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tively:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:481,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mathematical Reserves&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:109,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:109,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:186pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:186pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Mortality table&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:186pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:186pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average technical interest type&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:109,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:109,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:67,5pt;' &gt;&lt;td style='width:109,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:109,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Individual life insurance &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;GRMF 80-2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;GKM 80 / GKMF 95&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;PERMF 2000&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;PASEM&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tables of the Comisi&amp;#243;n Nacional de Seguros y Fianzas 2000-individual&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.26%-3.27%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,50%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:67,5pt;' &gt;&lt;td style='width:109,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:109,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Group insurance&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;PERMF 2000&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tables of the Comisi&amp;#243;n Nacional de Seguros y Fianzas 2000-grupo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Depending on the related portfolio &lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,50%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  Provides coverage in the case of one or more of the following events: death and disability.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  Insurance policies purchased by companies (other than Group BBVA entities) on behalf of their employees.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Assets under reinsurance and insurance contracts&amp;#8221; in the accompanying consolidated balance sheets includes the amounts that the consolidated insurance entities are entitled to receive under the reinsurance contracts entered into by them with t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hird parties and, more specifically, the share of the reinsurer in the technical provisions recognized by the consolidated insurance subsidiaries. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;As of December 31, 2018, 2017 and 2016, the balance under this heading amounted to &amp;#8364;366 million, &amp;#8364;421 million&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;447 million, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofliabilitiesunderinsurancecontractsandreinsurancecontractsissuedexplanatory>
  <bbva:Tangibleassetsbreakdownbytypeofassetcostvalueamortisationsandimpairments id="ID_59" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:480pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible Assets: Breakdown by Type of Assets and Changes in the year 2018. (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:123,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:123,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;For Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total tangible asset of Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Investment Properties&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Assets Leased out under an Operating Lease&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:150pt;text-align:center;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Land and Buildings&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Work in Progress&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Furniture, Fixtures and Vehicles&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.352&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;492&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.072&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;445&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;927&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;938&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(98)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(492)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(607)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(149)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(757)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(177)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(125)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(130)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(214)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(224)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(105)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(213)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.314&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;201&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.910&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Accrued depreciation &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.380&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.546&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;469&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;589&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;594&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(403)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(439)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(447)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of entities in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(55)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(212)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(200)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(198)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.350&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.437&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Impairment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(80)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(51)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(51)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;217&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;217&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;244&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Net tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.099&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;2.248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;6.581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;415&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;7.191&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.584&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;2.102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;6.756&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;7.229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:480pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible Assets. Breakdown by Type of Assets and Changes in the year 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:123,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:123,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;For Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total tangible asset of Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Investment Properties&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Assets Leased out under an Operating Lease&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:150pt;text-align:center;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Land and Buildings&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Work in Progress&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Furniture, Fixtures and Vehicles&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.473&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;958&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.594&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;574&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;201&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;776&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(264)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(335)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(90)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(93)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(518)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of entities in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(552)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(552)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(273)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(57)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(186)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(516)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(698)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.214)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(420)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(378)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(844)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(148)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.014)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.352&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;492&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.072&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Accrued depreciation &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.461&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.577&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.856&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;127&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;553&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;693&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(235)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(261)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(289)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of entities in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(134)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(134)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(146)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(199)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(230)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(88)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(253)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(341)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(350)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.380&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.546&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Impairment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;409&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;798&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of entities in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(58)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(58)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(276)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(334)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(140)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(149)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Net tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.681&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;2.598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;7.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;732&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;8.941&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.099&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;2.248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;6.581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;415&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;7.191&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:480pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible Assets. Breakdown by Type of Assets and Changes in the year 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:123,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;For Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total tangible asset of Own Use&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Investment Properties&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Assets Leased out under an Operating Lease&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:150pt;text-align:center;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Land and Buildings&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Work in Progress&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Furniture, Fixtures and Vehicles&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.858&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;14.029&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;17.088&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;913&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;337&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.312&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(85)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(468)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(582)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(117)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(97)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(796)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of entities in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;676&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(544)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(386)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(254)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(986)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.156)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(296)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(52)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(277)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(625)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(184)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(843)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.473&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;958&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.594&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Accrued depreciation &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.551&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.654&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.972&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(72)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(461)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(533)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(560)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(37)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(38)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(55)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(38)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(153)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(173)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(208)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.461&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.577&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.856&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Impairment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;808&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.172&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;143&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retirements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(380)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(381)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(100)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(125)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;409&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;798&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Net tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.401&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;3.077&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;8.021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;1.467&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;9.944&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;4.681&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;2.598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;7.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;732&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#094FA4;' &gt;8.941&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tangibleassetsbreakdownbytypeofassetcostvalueamortisationsandimpairments>
  <bbva:Branchesbygeographicallocation id="ID_60" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Branches by Geographical Location (Number of branches)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.840&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.840&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.836&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.543&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.631&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.667&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;646&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;676&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.066&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.095&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.131&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,15pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Eurasia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.271&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.660&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Branchesbygeographicallocation>
  <bbva:Tangibleassetsbyspanishandforeignsubsidiariesnetassetsvalues id="ID_61" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible Assets by Spanish and Foreign Subsidiaries. Net Assets Values (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA and Spanish subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.574&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.692&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Foreign subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.524&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.617&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.249&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.941&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tangibleassetsbyspanishandforeignsubsidiariesnetassetsvalues>
  <ifrs-full:DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillExplanatory id="ID_62" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:486.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:486.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Goodwill. Breakdown by CGU and Changes of the year (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:38.1pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Chile&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.45pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of December 31, 2015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;727&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;602&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;175&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(101)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(79)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of December 31, 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;523&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;68&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,937&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(666)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(115)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(44)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(851)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(43)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of December 31, 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,837&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;509&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,062&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange difference&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(127)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of December 31, 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,066&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;382&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:45pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,180&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillExplanatory>
  <bbva:Impairmenttesthypothesescgugoodwillintheunitedstates id="ID_63" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment test hypotheses CGU Goodwill in the United States &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,5%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sustainable growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Impairmenttesthypothesescgugoodwillintheunitedstates>
  <bbva:Sensitivityanalysisformainhypothesesusa id="ID_64" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:14,25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:481,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sensitivity analysis for main hypotheses - USA (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Impact of an increase of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Impact of a decrease of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.009)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.176&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sustainable growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(451)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Based on historical changes, the use of 50 basis points to calculate the se&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nsitivity analysis would be a reasonable variation with respect to the observed variations over the last five years.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Sensitivityanalysisformainhypothesesusa>
  <bbva:Impairmenttesthypothesescgugoodwillinturkey id="ID_65" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment test assumptions CGU Goodwill in Turkey&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,45pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24,3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sustainable growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Impairmenttesthypothesescgugoodwillinturkey>
  <bbva:Disclosureofprovisions id="ID_66" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;24.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Provisions&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated balance sheets, based on type of provisions, is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions. Breakdown by concepts (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for pensions and similar obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.025&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other long term employee benefits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for taxes and other legal contingencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;686&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;756&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;418&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for contingent risks and commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;950&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other provisions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;669&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.609&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.772&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.071&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The change in provisions for pensions and similar obligations for the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;years ended December 31, 2018, 2017 and 2016 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for pensions and similar obligations. Changes Over the Year (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.025&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.299&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Add&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Charges to income for the year &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;126&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;402&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Interest expenses and similar charges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Personnel expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Provision expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;258&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;239&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Charges to equity &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#808080;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;339&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Transfers and other changes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(264)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Less&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(779)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(861)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(926)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(103)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(154)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.025&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Correspond to actuarial losses (gains) arising from certain defined-benefit post-employment pension commitments and other similar benefits recognized in &amp;#8220;Equity&amp;#8221; (see &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Note 2.2.12).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:14,25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for Taxes, Legal Contingents and Other Provisions. Changes Over the Year (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.028&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.771&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;455&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;868&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unused amounts reversed during the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(184)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(164)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(311)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Amount used and other variations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(410)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.306)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(540)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Ongoing legal proceedings and litigation&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The financial sector faces an environment of increasing regulatory and litigious pressure. In this environment, the different Group&amp;#8217;s entities are often parties to individual or&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; collective legal proceedings arising from the ordinary activity of their businesses. In accordance with the procedural status of these proceedings and according to the criteria of the attorneys who manage them, BBVA considers that none of them is material&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, individually or in aggregate, and that no significant impact will derive from them neither in the results of operations nor on liquidity, nor in the financial position at a consolidated level of the Group, as at the level of the individual Bank. The Grou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;p Management considers that the provisions made in connection with these legal proceedings are adequate.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As mentioned in Note 7.2 Risk factors, the Group is subject or may be subject in the future to a series of legal and regulatory investigations, proced&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ures and actions which, in case of a negative result, could have an adverse impact on the Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofprovisions>
  <bbva:Sensitivityanalysisformainhypothesesturkey id="ID_67" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,9pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sensitivity analysis for main assumptions - Turkey (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,45pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Impact of an increase of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Impact of a decrease of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(149)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sustainable growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(37)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Based on historical changes, the use of 50 basis points to calculate the sensitivity analysis would be a reasonable v&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ariation with respect to the observed variations over the last five years.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Sensitivityanalysisformainhypothesesturkey>
  <ifrs-full:DisclosureOfIntangibleAssetsWithIndefiniteUsefulLifeExplanatory id="ID_68" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other intangible assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Computer software acquisition expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.605&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.682&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.877&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other intangible assets with an infinite useful life&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other intangible assets with a definite useful life&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;518&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;708&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;960&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.402&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.849&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfIntangibleAssetsWithIndefiniteUsefulLifeExplanatory>
  <bbva:Otherintangibleassetschangesovertheperiod id="ID_69" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Intangible Assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.402&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.849&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.137&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;564&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;645&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Amortization in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(614)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(694)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(735)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange differences and other &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(305)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(196)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(83)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.402&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.849&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Otherintangibleassetschangesovertheperiod>
  <ifrs-full:DisclosureOfEmployeeBenefitsExplanatory id="ID_70" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;25.  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Post-employment and other employee benefit commitments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As stated in Note 2.2.12, the Group has assumed commitments with employees including short-term employee benefits (see Note 44.1), defined contribution and defined benefit plans (see Glossary), &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;healthcare and other long-term employee benefits.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group sponsors defined-contribution plans for the majority of its active employees with the plans in Spain and Mexico being the most significant. Most defined benefit plans are closed to new employees w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ith liabilities relating largely to retired employees, the most significant being those in Spain, Mexico, the United States and Turkey. In Mexico, the Group provides medical benefits to a closed group of employees and their family members, both active serv&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ice and in retirees.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance sheet net defined benefit liability as of December 31, 2018, 2017 and 2016 is provided below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Net Defined Benefit Liability (asset) on the Consolidated Balance Sheet (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pension commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.678&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.969&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.277&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Early retirement commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.210&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.559&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Medical benefits commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.015&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other long term employee benefits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.451&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.920&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pension plan assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.909&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Medical benefit plan assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.113&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#FFFFFF;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.840&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.006&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.022&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total net liability / asset &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.445&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.898&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Net asset on the consolidated balance sheet  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(41)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(194)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Net liability on the consolidated balance sheet  for provisions for pensions and similar obligations (3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;6.025&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Net liability on the consolidated balance sheet  for other long term employee benefits (4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  In Turkey, the foundation responsible for managing the benefit commitments holds an additional asset of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;181&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;&amp;#8364; million which, in accordance with IFRS regarding the asset ceiling, has not been recognized in the Consolidated Financial Statements, because &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;although it could be used to reduce future pension contributions it could not be immediately refunded to the employer.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  Recorded under the heading &amp;#8220;Other Assets - Other&amp;#8221; of the consolidated balance sheet (see Note 20).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(3)  Recorded under the heading &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;&amp;#8220;Provisions - Provisions for pensions and similar obligations&amp;#8221; of the consolidated balance sheet (see Note 24).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(4)  Recorded under the heading &amp;#8220;Provisions &amp;#8211; Other long-term employee benefits&amp;#8221; of the consolidated balance sheet.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amounts relating to ben&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;efit commitments charged to consolidated income statement for the years 2018, 2017 and 2016 are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Consolidated Income Statement Impact (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Interest and similar expenses &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(217)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(223)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(207)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Personnel expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;147&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;149&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Defined contribution plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Defined benefit plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Provisions (net)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;332&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Early retirement expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;141&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;236&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Past service cost expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Remeasurements &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;(*)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other provision expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total impact on Consolidated Income Statement: Debit (Credit)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;350&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;582&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Actuarial losses (gains) on remeasurement of the net defined benefit liability relating to early retirements in Spain &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;and other long-term employee benefits that are charged to the income statements (see Note 2.2.12).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amounts relating to post-employment benefits charged to the consolidated balance sheet correspond to the actuarial gains (losses) on remeasurement of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the net defined benefit liability relating to pension and medical commitments before income taxes. As of December 31, 2018, 2017 and 2016 are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity Impact (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Defined benefit plans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;81&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(40)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Post-employment medical benefits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total impact on equity: Debit (Credit)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;356&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;25.1  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Defined benefit plans&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Defined benefit commitments relate mainly to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;employees who have already retired or taken early retirement, certain closed groups of active employees still accruing defined benefit pensions, and in-service death and disability benefits provided to most active employees. For the latter, the Group pays &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the required premiums to fully insure the related liability. The change in these pension commitments during the years ended December 31, 2018, 2017 and 2016 is presented below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:487,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:487,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Defined Benefits (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Plan Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Net Liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Plan Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Net Liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Plan Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Net Liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;8.384&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3.006&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.378&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;8.851&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3.022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.829&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;9.184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3.124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;6.060&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Current service cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;292&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;217&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;290&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;68&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;299&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;92&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Contributions by plan participants&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(103)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(154)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Past service costs &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;231&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;231&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;235&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;235&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(263)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(286)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;331&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;359&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;      Return on plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(286)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(161)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in demographic assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in financial assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(274)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(274)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;220&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;220&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;Other actuarial gain and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;141&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(979)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(200)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(779)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.029)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(169)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(861)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.052)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(169)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(883)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Settlement payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(43)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(43)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(278)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(258)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(282)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(293)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Conversions to defined contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7.585&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;2.840&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4.745&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;8.384&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3.006&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.378&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;8.851&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3.022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.829&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#666666;' &gt;Of which&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;260&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;358&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.799&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.615&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.587&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.661&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.602&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.627&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(171)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;287&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;385&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;422&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;520&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;424&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;447&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;348&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  In&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;cluding gains and losses arising from settleme&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nts.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Excluding interest, which is recorded under &amp;quot;Interest income or expense&amp;quot;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The balance&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; under the heading &amp;#8220;Provisions - Pensions and other post-employment defined benefit obligations&amp;#8221; of the accompanying consolidated balance sheet as of December 31, 2018 includes &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;332&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million relating to post-employment benefit commitments to former members &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the Board of Directors and the Bank&amp;#8217;s Management (see Note 54).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The most significant commitments are those in Spain and Mexico and, to a lesser extent, in the United States and Turkey. The remaining commitments are located mostly in Portugal and South A&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;merica. Unless otherwise required by local regulation, all defined benefit plans have been closed to new entrants, who instead are able to participate in the Group&amp;#180;s defined contribution plans.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Both the costs and the present value of the commitments are de&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;termined by independent qualified actuaries using the &amp;#8220;projected unit credit&amp;#8221; method.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In order to guarantee the good governance of these plans, the Group has established specific benefits committees. These benefit committees include members from the differ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ent areas of the business to ensure that all decisions are made taking into consideration all of the associated impacts.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following table sets out the key actuarial assumptions used in the valuation of these commitments as of December 31, 2018, 2017 and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; 2016:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:6,75pt;' &gt;&lt;td colspan='13' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Actuarial Assumptions (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:34,5pt;' &gt;&lt;td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,28%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10,45%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,23%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16,30%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,24%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,48%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,57%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11,60%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,50%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,95%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,04%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11,50%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:60pt;text-align:left;vertical-align:middle;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Rate of salary increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,75%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,75%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,90%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,50%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,75%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,30%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:60pt;text-align:left;vertical-align:middle;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Rate of pension increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,51%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12,50%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,13%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,40%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,13%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,80%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:60pt;text-align:left;vertical-align:middle;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Medical cost trend rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16,70%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12,60%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,75%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10,92%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:60pt;text-align:left;vertical-align:middle;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Mortality tables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;PERM/F 2000P&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;EMSSA09&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;RP 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;CSO2001&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;PERM/F 2000P&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;EMSSA09&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;RP 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;CSO2001&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;PERM/F 2000P&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;EMSSA97 (adjustment EMSSA09)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;RP 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;CSO2001&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In Spain, the discount rate shown as of December, 31, 2018, corresponds to the weighted average rate, the actual discount rates used are 0.50% and 1.75% depending on the type of commitment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Discount rates used to value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; future benefit cash flows have been determined by reference to high quality corporate bonds (Note 2.2.12) denominated in Euro in the case of Spain, Mexican peso for Mexico and USD for the United States, and government bonds denominated in new Turkish Lira&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; for Turkey.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The expected return on plan assets has been set in line with the adopted discount rate.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assumed retirement ages have been set by reference to the earliest age at which employees are entitled to retire, the contractually agreed age in the case &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of early retirements in Spain or by using retirement rates.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Changes in the main actuarial assumptions may affect the valuation of the commitments. The table below shows the sensitivity of the benefit obligations to changes in the key assumptions:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Sensitivity Analysis (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:171,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Basis points change&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:124,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:124,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:124,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:124,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:171,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Decrease&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Decrease&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:171,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(298)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(352)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:171,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Rate of salary increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:171,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Rate of pension increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:171,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Medical cost trend rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(181)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;290&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(225)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:171,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Change in obligation from each additional year of longevity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;155&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The sensitivities provided above have been determined at the date of these consolidated financial statements, and reflect solely the impact of changing one individual assumption at a time, keeping the rest of the assumptions unchanged, t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hereby excluding the effects which may result from combined assumption changes.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition to the commitments to employees shown above, the Group has other less material long-term employee benefits. These include long-service awards, which consist of eith&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;er an established monetary award or some vacation days granted to certain groups of employees when they complete a given number of years of service. As of December 31, 2018, 2017 and 2016, the actuarial liabilities for the outstanding awards amounted to &amp;#8364;6&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2 million, &amp;#8364;67 million, and &amp;#8364;69 million, respectively. These commitments are recorded under the heading &amp;quot;Provisions - Other long-term employee benefits&amp;quot; of the accompanying consolidated balance sheet (see Note 24).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As described above, the Group maintains b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;oth pension and medical post-employment benefit commitments with their employees.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;25.1.1 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#072146;' &gt;Post-employment commitments and similar obligations&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These commitments relate mostly to pensions in payment, and which have been determined based on salary and years &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of service. For most plans, pension payments are due on retirement, death and long term disability.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, during the year 2018, Group entities in Spain offered certain employees the option to take retirement or early retirement (that is, earlier tha&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n the age stipulated in the collective labor agreement in force). This offer was accepted by &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;489&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; employees (&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;731&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;613&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; employees during years 2017 and 2016, respectively). These commitments include the compensation and indemnities due as well as the contr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ibutions payable to external pension funds during the early retirement period&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. As of December 31, 2018, 2017 and 2016, the value of these commitments amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,793&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2,210&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2,559&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, respectively. The change in the benefit pla&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n obligations and plan assets as of December 31, 2018 was as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Post-employment commitments  2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:251,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:251,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;470&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;520&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;387&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Current service cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Contributions by plan participants&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Past service costs &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;148&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in demographic assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in financial assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(45)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;Other actuarial gain and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(824)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(134)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4.807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;512&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;422&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;402&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Vested benefit obligation relating to current employees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Vested benefit obligation relating to retired employees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Post-employment commitments  2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:251,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:251,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Plan Assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;488&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;424&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;351&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Contributions by plan participants&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(70)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Return on plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(70)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(61)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(108)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;260&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;441&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;287&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;366&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:479,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:479,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Post-employment commitments  2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:247,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:247,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Liability (Asset)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Current service cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Contributions by plan participants&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Past service costs &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;148&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Return on plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in demographic assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in financial assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(45)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;Other actuarial gain and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(763)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4.547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ncluding gains and losses arising from settlements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Excluding interest, which is recorded&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; under &amp;quot;Interest income or expense&amp;quot;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The change in net liabilities (assets) during the years ended 2017 and 2016 was as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='11' rowspan='1' style='width:476,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:476,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Post-employment commitments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25,5pt;' &gt;&lt;td style='width:108,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:183,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:183,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017: Net liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:183,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:183,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016: Net liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:108,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.799&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(59)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;6.109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(79)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Current service cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(14)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Past service costs &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;235&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(67)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Return on plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(101)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in demographic assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in financial assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;81&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;Other actuarial gain and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(842)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(867)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Settlement payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(43)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Conversions to defined contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.799&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(59)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Includes gains and losses from settlements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Excludes interest which is reflected&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; in the line item &amp;#8220;Interest income and expenses&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In Spain, local regulation requires that pension and death benefit commitments must be funded, either through a qualified pension plan or an insurance contract.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the Spanish entities these commitments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;are covered by insurance contracts which meet the requirements of the accounting standard regarding the non-recoverability of contributions. However, a significant number of the insurance contracts are with BBVA Seguros, S.A. &amp;#8211; a consolidated subsidiary an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d related party &amp;#8211; and consequently these policies cannot &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;be considered plan assets under IAS 19. For this reason, the liabilities insured under these policies are fully recognized under the heading &amp;quot;Provisions &amp;#8211; Pensions and other postemployment defined be&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nefit obligations&amp;quot; of the accompanying consolidated balance sheet (see Note 24), while the related assets held by the insurance company are included within the Group&amp;#180;s consolidated assets (recorded according to the classification of the corresponding finan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cial instruments). As of December 31, 2018 the value of these separate assets was &amp;#8364;2,543 million, representing direct rights of the insured employees held in the consolidated balance sheet, hence these benefits are effectively fully funded.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On the other ha&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nd, some pension commitments have been funded through insurance contracts with insurance companies not related to the Group, and can therefore be considered qualifying insurance policies and plan assets under IAS 19. In this case the accompanying consolida&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ted balance sheet reflects the value of the obligations net of the fair value of the qualifying insurance policies. As of December 31, 2018, 2017 and 2016, the fair value of the aforementioned insurance policies (&amp;#8364;260, &amp;#8364;320 million and &amp;#8364;358 million, respec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tively) exactly match the value of the corresponding obligations and therefore no amount for this item has been recorded in the accompanying consolidated balance sheet.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Pensions benefits are paid by the insurance companies with whom BBVA has insurance cont&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;racts and to whom all insurance premiums have been paid. The premiums are determined by the insurance companies using &amp;#8220;cash flow matching&amp;#8221; techniques to ensure that benefits can be met when due, guaranteeing both the actuarial and interest rate risk.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In Me&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;xico, there is a defined benefit plan for employees hired prior to 2001. Other employees participate in a defined contribution plan. External funds/trusts have been constituted locally to meet benefit payments as required by local regulation.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the United&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; States there are mainly two defined benefit plans, both closed to new employees, who instead are able to join a defined contribution plan. External funds/trusts have been constituted locally to fund the plans, as required by local regulation.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In 2008, the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; Turkish government passed a law to unify the different existing pension systems under a single umbrella Social Security system. Such system provides for the transfer of the various previously established funds.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The financial sector is in this stage at pre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sent, maintaining these pension commitments managed by external pension funds (foundations) established for that purpose.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Foundation that maintains the assets and liabilities relating to employees of Garanti in Turkey, as per the local regulatory requi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rements, has recorded an obligation amounting to &amp;#8364;241 million as of December 31, 2018 pending future transfer to the Social Security system.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Furthermore, Garanti has set up a defined benefit pension plan for employees, additional to the social security ben&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;efits, reflected in the consolidated balance sheet.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Until the year 2016, the Bank also had commitments to pay indemnities to certain employees and members of the Group&amp;#8217;s Senior Management in the event that they cease to hold their positions for reasons oth&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;er than their own will, retirement, disability or serious dereliction of duties. The amount will be calculated according to the salary and professional conditions of each employee, taking into consideration fixed elements of the remuneration and the length&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of office at the Bank. Under no circumstances indemnities will be paid in cases of disciplinary dismissal for misconduct upon decision of the employer on grounds of the employee&amp;#39;s serious dereliction of duties.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;25.1.2 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#072146;' &gt;Medical benefit commitments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;change in defined benefit obligations and plan assets during the years 2018, 2017 and 2016 was as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:487,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:487,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Medical Benefits Commitments&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:112,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:112,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:112,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:112,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:112,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:112,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:42,75pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Plan assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Plan assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Plan assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(98)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.149&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(127)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Current service cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;101&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(71)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(114)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Past service costs &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(164)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(60)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Return on plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(164)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(60)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;        From changes in demographic assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;        From changes in financial assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(182)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(182)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;        Other actuarial gain and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(30)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(92)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(100)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(138)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(156)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(98)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ncluding gains and losses arising from settlements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Excluding interest, which is recorded under &amp;quot;Interest incom&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;e or expense&amp;quot;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In Mexico, there is a medical benefit plan for employees hired prior to 2007. New employees from 2007 are covered by a medical insurance policy. An external trust has been constituted locally to fund the plan, in accordance with local legis&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;lation and Group policy.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In Turkey, employees are currently provided with medical benefits through a foundation in collaboration with the Social Security system, although local legislation prescribes the future unification of this and similar systems into &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the general Social Security system itself.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The valuation of these benefits and their accounting treatment follow the same methodology as that employed in the valuation of pension commitments.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;25.1.3 Estimated benefit payments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;estimated benefit payments over the next ten years for all the entities in Spain, Mexico, The United States and Turkey are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Estimated Benefit Payments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:140,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2024-2028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:140,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitments in Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;684&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;611&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;518&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;419&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;333&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;965&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:140,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitments in Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;92&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;680&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:140,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitments in United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:140,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitments in Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;231&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:140,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;734&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;652&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.979&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;25.1.4 Plan assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The majority of the Group&amp;#180;s defined benefit plans are funded by plan assets he&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ld in external funds/trusts legally separate from the Group sponsoring entity. However, in accordance with local regulation, some commitments are not externally funded and covered through internally held provisions, principally those relating to early reti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rements in Spain.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Plan assets are those assets which will be used to directly settle the assumed commitments and which meet the following conditions: they are not part of the Group sponsoring entities assets, they are available only to pay post-employment &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;benefits and they cannot be returned to the Group sponsoring entity.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;To manage the assets associated with defined benefit plans, BBVA Group has established investment policies designed according to criteria of prudence and minimizing the financial risks as&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sociated with plan assets.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The investment policy consists of investing in a low risk and diversified portfolio of assets with maturities consistent with the term of the benefit obligation and which, together with contributions made to the plan, will be suf&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ficient to meet benefit payments when due, thus mitigating the plans&amp;#8216; risks.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In those countries where plan assets are held in pension funds or trusts, the investment policy is developed consistently with local regulation. When selecting specific assets, cu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rrent market conditions, the risk profile of the assets and their future market outlook are all taken into consideration. In all the cases, the selection of assets takes into consideration the term of the benefit obligations as well as short-term liquidity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; requirements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The risks associated with these commitments are those which give rise to a deficit in the plan assets. A deficit could arise from factors such as a fall in the market value of plan assets, an increase in long-term interest rates leading to a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; decrease in the fair value of fixed income securities, or a deterioration of the economy resulting in more write-downs and credit rating downgrades.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The table below shows the allocation of plan assets of the main companies of the BBVA Group as of December&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; 31, 2018:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Plan Assets Breakdown (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:432pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash or cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities (Government bonds)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.080&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mutual funds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:432pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Bank account in BBVA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition to the above there are plan assets relating to the previously mentioned insurance contracts in Spain and the foundation in Turkey.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following table provides details of investments in listed securities (Leve&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;l 1) as of December 31, 2018:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Investments in listed markets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash or cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities (Government bonds)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.080&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mutual funds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Bank account in BBVA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The remainders of the assets are mainly invested in Level 2 assets in in accordance with the classification established under IFRS 13 (mainly insurance contracts). As of December 31, 2018, almost all &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the assets related to employee&amp;#8217;s commitments corresponded to fixed income securities.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;25.2  Defined contribution &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;plans&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Certain Group entities sponsor defined contribution plans. Some of these plans allow employees to make contributions which are then &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;matched by the employer.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Contributions are recognized as and when they are accrued, with a charge to the consolidated income statement in the corresponding year. No liability is therefore recognized in the accompanying consolidated balance sheet (see Note &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;44.1).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfEmployeeBenefitsExplanatory>
  <bbva:Tableofotherassetsandliabilitiesexplanatory id="ID_71" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other assets and liabilities: (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Inventories&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;635&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.298&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Real estate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;633&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.268&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transactions in progress&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;249&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;156&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accruals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;702&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;768&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;723&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Prepaid expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;509&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;518&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other prepayments and accrued income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;204&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other items&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.886&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.012&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total Other Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.472&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.359&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.274&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transactions in progress&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;127&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accruals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.558&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.721&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Accrued expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.997&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.125&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other accrued expenses and deferred income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;439&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;596&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other items&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.704&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.131&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total Other Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.979&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofotherassetsandliabilitiesexplanatory>
  <ifrs-full:DisclosureOfInventoriesExplanatory id="ID_72" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15,6pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Inventories from Distressed Customers (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Gross value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.499&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.318&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Acquisitions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;336&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2.288)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.214)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6.653)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.499&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated impairment losses &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5.385)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Carrying amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.114&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInventoriesExplanatory>
  <bbva:Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalebreakdownbyitemsexplanatory id="ID_73" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:23,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale Breakdown by items (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreclosures and recoveries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.225&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Foreclosures (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.057&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Recoveries from financial leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;160&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other assets from tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;447&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.181&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Property, plant and equipment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;276&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;447&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;378&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Operating leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;803&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Investment properties (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Business sale - Assets (**)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;18.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Accrued amortization (***)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(44)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(116)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Impairment losses &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(628)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.348)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.727)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total Non-current assets and disposal groups classified as held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.001&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;23.853&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.603&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Corresponds mainly to the agreement with Cerberus to transfer the &amp;quot;Real Estate&amp;quot; business in Spain (see Note 3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Corresponds mainly to the BBVA&amp;#180;s stake in BBVA Chile (see Note 3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(***) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Amortiza&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;tion accumulated until related asset reclassified as &amp;#8220;non-current assets and disposal groups held for sale&amp;#8221;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalebreakdownbyitemsexplanatory>
  <bbva:Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalechangesintheyearexplanatory id="ID_74" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15,6pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale Changes in the year 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;From Own Use Assets &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(*)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Other assets (**)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:31,15pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets through Auction Proceeding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Recovered Assets from Finance Leases&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Cost  (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;6.047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;160&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;371&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;18.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;25.201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;637&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;696&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4.354)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(135)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(227)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(18.594)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(23.310)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers, other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(195)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;241&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;389&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.629&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Impairment  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.348&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(793)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(37)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(101)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(931)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;482&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;628&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end of Net carrying value (1)-(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.653&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.001&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Net of amortization accumulated until assets were reclassified as non-current assets held for sale&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The variation corresponds mainly &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the BBVA&amp;#8217;s stake in BBVA Chile and the agreement with Cerberus to transfer the &amp;quot;Real Estate&amp;quot; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;business in Spain (see Note 3)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:16,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale Changes in the year 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;From Own Use Assets &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(*)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Other assets&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets through Auction Proceeding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Recovered Assets from Finance Leases&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Cost  (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.065&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;5.330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;791&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;837&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.037)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(49)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(131)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.217)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers, other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.236&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(564)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;18.583&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20.251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;6.047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;160&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;371&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;18.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;25.201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Impairment  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;443&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.727&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;143&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(272)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(321)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(208)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(216)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.348&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end of Net carrying value (1)-(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;177&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;18.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;23.853&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Net of amortization accumulated until assets were reclassified as non-current assets held for sale&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The variation corresponds mainly&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; the BBVA&amp;#8217;s stake in BBVA Chile and the agreement with &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Cerberus to transfer the &amp;quot;Real Estate&amp;quot; business in Spain (see Note 3)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:16,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale Changes in the year 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;From Own Use Assets &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(*)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Other assets&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(**)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Foreclosed Assets through Auction Proceeding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Recovered Assets from Finance Leases&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Cost  (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.775&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;626&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.654&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;582&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;57&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;662&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(779)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(170)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.023)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers, other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;480&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;586&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.037&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.065&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;5.330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Impairment  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;994&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.285&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Additions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;136&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retirements (sales and other decreases)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(153)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(192)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other movements and exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;268&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;232&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;499&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;443&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.727&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end of Net carrying value (1)-(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.820&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.603&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Net of amortization accumulated until assets were reclassified as non-current assets held for sale&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalechangesintheyearexplanatory>
  <bbva:Tableoffinancialliabilitiesatamortizedcostexplanatory id="ID_75" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities measured at amortized cost (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;435.229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;467.949&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;499.706&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Deposits from Central Banks (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.281&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37.054&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34.740&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Deposits from Credit Institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.978&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54.516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63.501&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;375.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;376.379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;401.465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61.112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63.915&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;76.375&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.129&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;509.185&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;543.713&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;589.210&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;As of December 31, 2018, balance relating to repurchase agreements in Central Banks is &amp;#8364;375 million (see Note 35).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Tableoffinancialliabilitiesatamortizedcostexplanatory>
  <bbva:Tableofdepositsfrombanksexplanatory id="ID_76" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:476,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:476,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from credit institutions (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Term deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25.941&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30.429&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.370&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.731&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.651&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:275,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.420&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;31.978&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;54.516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63.501&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofdepositsfrombanksexplanatory>
  <bbva:Disclosureofdepositsfrombanksbygeographicalareaandinstrumentexplanatory id="ID_77" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from Credit Institutions. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41,25pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits &amp;amp; Reciprocal Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.981&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.527&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.563&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.701&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.677&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.379&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;280&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;566&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;669&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.323&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.903&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.534&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.545&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.268&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.370&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;19.015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;31.978&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from Credit Institutions. December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41,25pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits &amp;amp; Reciprocal Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;762&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.879&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;878&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.518&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.398&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.961&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;282&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.429&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;953&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;448&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.999&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.592&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.732&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34.849&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.369&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.806&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.731&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;25.941&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;24.843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;54.516&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from Credit Institutions. December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits &amp;amp; Reciprocal Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;956&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.995&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.768&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.812&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.225&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.040&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;306&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;426&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.663&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.463&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;275&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.035&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;896&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.597&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;509&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.194&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30.429&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28.420&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63.501&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofdepositsfrombanksbygeographicalareaandinstrumentexplanatory>
  <bbva:Tableofdepositsfromcustomersexplanatory id="ID_78" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;General Governments &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.459&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.210&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.396&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Current accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;238.907&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;223.497&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;212.604&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Time deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;105.257&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116.538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;153.388&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.514&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Subordinated deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;220&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;233&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.920&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.864&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;375.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;376.379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;401.465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;  In Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;184.934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;184.150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;189.438&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;  In foreign currency&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;191.036&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;192.229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;212.027&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofdepositsfromcustomersexplanatory>
  <bbva:Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory id="ID_79" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer Deposits. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;138.236&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;166.403&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41.222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62.539&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.383&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.837&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;770&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50.991&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.856&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.564&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33.427&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.811&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37.970&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.233&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.415&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;429&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.077&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.731&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.563&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;260.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;114.188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;375.970&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer Deposits. December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;123.382&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.513&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.664&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;165.559&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.728&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58.164&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.492&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.622&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.272&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;52.387&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.815&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.710&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.053&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.764&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.816&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.177&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.028&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.511&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;240.583&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;126.716&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.079&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;376.379&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer Deposits. December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Term Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Repurchase Agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102.730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56.391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.901&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;161.022&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.997&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;263&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50.282&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.002&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54.117&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47.340&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.971&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62.311&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.862&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.211&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.683&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.306&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30.949&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.190&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.382&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.572&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;231.547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;156.425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;401.465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory>
  <bbva:Disclosureofdebtsecuritiesissuedexplanatory id="ID_80" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:481,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt certificates (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;In Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;37.436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;38.735&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;45.619&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Promissory bills and notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;875&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-convertible bonds and debentures&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.638&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.418&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.766&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Covered bonds (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16.425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.845&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Hybrid financial instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;814&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;468&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securitization bonds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.630&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.693&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.136&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.481&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.972&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.070&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible perpetual securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.070&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Non-convertible&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.981&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.902&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Preferred Stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;359&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.540&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.543&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;In Foreign Currencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;23.676&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;25.180&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' &gt;30.759&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Promissory bills and notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;382&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-convertible bonds and debentures&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.335&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.134&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Covered bonds (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;569&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;650&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;149&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Hybrid financial instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.455&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.059&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securitization bonds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.499&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;873&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.548&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible perpetual securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;873&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.548&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Non-convertible&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.626&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.467&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Preferred Stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;74&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;620&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:333pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.268&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.846&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;  Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;61.112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63.915&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;76.375&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; Including mortgage-covered bonds (see Appendix III).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofdebtsecuritiesissuedexplanatory>
  <bbva:Disclosureofpreferredsecuritiesbyissuerexplanatory id="ID_81" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Preferred Securities by Issuer (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA International Preferred, S.A.U. &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;855&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unnim Group &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Compass Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Colombia, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;181&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;979&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Listed on the London and New York stock exchanges.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Unnim Group: Issuances prior to the acquisition by BBVA.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofpreferredsecuritiesbyissuerexplanatory>
  <bbva:Tableoffinancialliabilitiesexplanatory id="ID_82" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:476,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:476,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other financial liabilities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Creditors for other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.891&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Collection accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.452&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.768&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Creditors for other payables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.370&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:275,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividend payable but pending payment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;525&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:275,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:275,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;11.850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13.129&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableoffinancialliabilitiesexplanatory>
  <bbva:Technicalreservesbytypeofinsuranceproduct id="ID_83" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Technical Reserves by type of insurance product (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mathematical reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.504&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.961&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.813&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Individual life insurance  &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#808080;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.201&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.359&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.791&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Savings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.180&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.943&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;967&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;848&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Others &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Group insurance &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#808080;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.303&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.022&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Savings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.210&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.455&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.801&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;93&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;147&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;221&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provision for unpaid claims reported&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;662&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;631&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;691&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for unexpired risks and other provisions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;631&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;635&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.834&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Provides coverage in the event of death or disability.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The insurance policies purchased by employers (other than BBVA Group) on behalf of its employees&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Technicalreservesbytypeofinsuranceproduct>
  <bbva:Cashflowsofliabilitiesunderreinsuranceandreinsurancecontracts id="ID_84" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:31,5pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Maturity (Millions of euros)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Liabilities under Insurance and Reinsurance Contracts&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.686&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.834&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.560&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.042&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.223&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.482&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Cashflowsofliabilitiesunderreinsuranceandreinsurancecontracts>
  <bbva:Keyassumptionsmathematicalreserves id="ID_85" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:481,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mathematical Reserves&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:109,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:109,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:186pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:186pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Mortality table&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:186pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:186pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average technical interest type&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:109,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:109,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:67,5pt;' &gt;&lt;td style='width:109,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:109,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Individual life insurance &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;GRMF 80-2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;GKM 80 / GKMF 95&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;PERMF 2000&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;PASEM&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tables of the Comisi&amp;#243;n Nacional de Seguros y Fianzas 2000-individual&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.26%-3.27%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,50%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:67,5pt;' &gt;&lt;td style='width:109,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:109,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Group insurance&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;PERMF 2000&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tables of the Comisi&amp;#243;n Nacional de Seguros y Fianzas 2000-grupo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Depending on the related portfolio &lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,50%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  Provides coverage in the case of one or more of the following events: death and disability.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  Insurance policies purchased by companies (other than Group BBVA entities) on behalf of their employees.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Keyassumptionsmathematicalreserves>
  <bbva:Disclosureofcommonstockexplanatory id="ID_86" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;26.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Common stock&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018 BBVA&amp;#8217;s common stock amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;3,267,264,424.20&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; divided into &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;6,667,886,580&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;  fully subscribed and paid-up registered shares, all of the same class and series, at &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;0.49&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; par value each, represented through book-entries. All of the Bank shares carry the same voting and dividend rights, and no single stockholder enjoys special voting rights. Each and every share is part of the Bank&amp;#8217;s common stock. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Bank&amp;#8217;s shares are tra&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ded on the stock markets of Madrid, Barcelona, Bilbao and Valencia through the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;' &gt;Sistema de Interconexi&amp;#243;n Burs&amp;#225;til Espa&amp;#241;ol (Mercado Continuo),&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; as well as on the London and Mexico stock markets. BBVA American Depositary Shares (ADSs) traded on the New York St&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ock Exchange.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, as of December 31, 2018, the shares of BBVA Banco Continental, S.A.; Banco Provincial, S.A.; BBVA Colombia, S.A.; BBVA Banco Franc&amp;#233;s, S.A. and Turkiye Garanti Bankasi A.S., were listed on their respective local stock markets. BB&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;VA Banco Franc&amp;#233;s, S.A. was also quoted in the Latin American market (Latibex) of the Madrid Stock Exchange and the New York Stock Exchange.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, State Street Bank and Trust Co., Chase Nominees Ltd and The Bank of New York Mellon SA NV i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n their capacity as international custodian/depositary banks, held &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;10.69%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;6.33%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2.31%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of BBVA common stock, respectively. Of said positions held by the custodian banks, BBVA is not aware of any individual shareholders wi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;th direct or indirect holdings&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; greater than or equal to 3% of BBVA common stock outstanding.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;February 4, 2019, Blackrock, Inc. reported to the SEC that, as of December 31, 2018, it beneficially owned 6.6% of BBVA&amp;#8217;s common&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; stock&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA is not aware of any direct or indirect interests through which control of the Bank may be exercised. BBVA has not received any information on stockholder agreements including the regulation of the exercise of voting rights at its annual general &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;meetings or restricting or placing conditions on the free transferability of BBVA shares. No agreement is known that could give rise to changes in the control of the Bank.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes in the heading &amp;#8220;Paid up Capital&amp;#8221; of the accompanying consolidated balanc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e sheets are due to&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; following common stock incre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ases:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Capital Increase&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Number of Shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Common Stock&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;As of December 31, 2015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.366.680.118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.120&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividend option - April 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;113.677.807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividend option - October 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;86.257.317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;As of December 31, 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.566.615.242&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividend option . April 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;101.271.338&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;As of December 31, 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.667.886.580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;As of December 31, 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.667.886.580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Dividend Option&amp;#8221; Program in 2017:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The AGM of BBVA held on March 17, 2017 adopted, under agenda item three, a capital increase to be charged to voluntary reserves to implement&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the shareholder remuneration system called the &amp;#8220;Dividend Option&amp;#8221; this year in similar conditions to those agreed in 2014, 2015 and 2016, conferring on the Board of Directors, in accordance with article 297.1.a) of the Spanish Companies Act, the authority &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to set the date on which the capital increase should be carried out, within one year of the date of approval of the AGM resolution.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;By virtue of such resolution, the Board of Directors of BBVA resolved, on March 29, 2017, to execute the capital increase to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; be charged to voluntary reserves, in accordance with the terms and conditions approved by the AGM mentioned above. As a result, BBVA&amp;#8217;s share capital was increased by an amount of 49,622,955.62 euros through the issuance of 101,271,338 newly-issued BBVA or&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;dinary shares at 0.49 euros par value each (see Note 4).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Dividend Option&amp;#8221; Program in 2016:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The AGM held on March 11, 2016, under agenda item three, adopted four capital increase resolutions to be charged to voluntary reserves to once again implement the s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hareholder remuneration program called the &amp;#8220;Dividend Option&amp;#8221; (see Note 4), conferring on the Board of Directors, in accordance with article 297.1 a) of the Spanish Companies Act, the authority to set the date on which said capital increases should be carri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed out, within one year of the date of approval of the AGM resolution, including the power not to implement any of the resolutions, when deemed advisable.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On March 31, 2016, the Board of Directors of BBVA approved the execution of the first of the capital &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;increases charged to voluntary reserves, in accordance with the terms and conditions agreed by the aforementioned AGM. As a result of this increase, the Bank&amp;#8217;s capital increased by &amp;#8364;55,702,125.43 through the issuance of 113,677,807 ordinary shares at &amp;#8364;0.49&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; par values each.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On September 28, 2016, BBVA&amp;#8217;s Board of Directors approved the execution of the second of the capital increases charged to voluntary reserves in accordance with the terms and conditions agreed by the aforementioned AGM. As a result of this&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; increase, the Bank&amp;#8217;s capital increased by &amp;#8364;42,266,085.33 through the issuance of 86,257,317 ordinary shares at &amp;#8364;0.49 par value each.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Convertible and/or exchangeable securities:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The AGM held on March 17, 2017, resolved, under agenda item five, to confer a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;uthority to the Board of Directors to issue securities convertible into newly issued BBVA shares, on one or several occasions, within the maximum term of five years to be counted from the approval date of the authorization, up to a maximum overall amount o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f &amp;#8364;8 billion or its equivalent in any other currency&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. Likewise, the AGM resolved to confer to the Board of Directors the authority to totally or partially exclude shareholders&amp;#8217; pre-emptive subscription rights within the framework of a specific issue of con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;vertible securities, although this power was limited to ensure the nominal amount of the capital increases resolved or effectively carried out to cover the conversion of mandatory convertible issuances of this authority (without prejudice to anti-dilution &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;adjustments), with exclusion of pre-emptive subscription rights and of those likewise resolved or carried out with exclusion of pre-emptive subscription rights in use of the authority to increase the share capital conferred by the AGM held on March 17, 201&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;7, under agenda item four, do not exceed the maximum nominal amount, overall, of 20% of the share capital of BBVA at the time of the authorization, this limit not being applicable to contingent convertible issues.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In use of the authority mentioned above, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;BBVA carried out, on May 24, 2017 the fifth issuance of perpetual contingent convertible securities (additional tier 1 instrument), with exclusion of pre-emptive subscription rights of shareholders, for a total nominal amount of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;500&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million. This issuance&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; is listed in the Global Exchange Market of the Irish Stock Exchange and was targeted only at qualified investors, not being offered to, and not being subscribed for, in Spain or by Spanish residents. The issuance qualifies as additional tier 1 capital of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the Bank and the Group in accordance with Regulation EU 575/2013 (see Note 22.4).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Likewise, in use of such authority, BBVA carried out, on November 14, 2017 the sixth issuance of perpetual contingent convertible securities (additional tier 1 instrument), w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ith exclusion of pre-emptive subscription rights of shareholders, for a total nominal amount of $&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1,000&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million. This issuance is listed in the Global Exchange Market of the Irish Stock Exchange and was targeted only at qualified investors, not being offere&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d to, and not being subscribed for, in Spain or by Spanish residents. The qualification of this issuance as additional tier 1 capital has been requested (see Note 22.4).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In past years, BBVA has carried out, in use of the authority to issue convertible secu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rities conferred by the AGM held on March 16, 2012 (in effect until March 16, 2017), four additional issuances of perpetual contingent convertible securities (additional tier 1 instrument), with exclusion of pre-emptive subscription rights of shareholders &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;(in April 2013 for an amount of $&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1.5&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; billion, in February 2014 and February 2015 for an amount of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1.5&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; billion each one, and in April 2016 for an amount of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; billion). These issuances were targeted only at qualified investors and foreign private banking c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;lients not being offered to, and not being subscribed for, in Spain or by Spanish residents. The first two issuances are listed in the Singapore Exchange Securities Trading Limited and the last two issuances are listed in the Global Exchange Market of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Irish Stock Exchange. Furthermore, these four issuances qualify as additional tier 1 capital of the Bank and the Group in accordance with Regulation UE 575/2013 (see Note 22.4).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Convertible and/or exchangeable securities:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA&amp;#8217;s AGM held on March 17, 2017&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; resolved, under agenda item four, to confer authority on the Board of Directors to increase Bank&amp;#8217;s share capital, on one or several occasions, subject to provisions in the law and in the Company Bylaws that may be applicable at any time, within the legal &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;term of five years of the approval date of the authorization, up to the maximum amount corresponding to 50% of Bank&amp;#8217;s share capital at the time on which the resolution was adopted, likewise conferring authority to the Board of Directors to totally or parti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ally exclude shareholders&amp;#8217; pre-emptive subscription rights over any specific issue that may be made under such authority; although the power to exclude pre-emptive subscription rights was limited, such that the nominal amount of the capital increases resol&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ved or effectively carried out with the exclusion of pre-emptive subscription rights in use of the referred authority and those that may be resolved or carried out to cover the conversion of mandatory convertible issues that may equally be made with the ex&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;clusion of pre-emptive subscription rights in use of the authority to issue convertible securities conferred by the AGM held on March 17, 2017, under agenda item five (without prejudice to the anti-dilution adjustments) shall not exceed the nominal maximum&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; overall amount of 20% of the share capital of BBVA at the time of the authorization.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of the date of this document, the Bank&amp;#8217;s Board of Directors has not exercised the authority conferred by the AGM.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofcommonstockexplanatory>
  <bbva:Tableofnetdefinedbenefitliabilityassetexplanatory id="ID_87" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Net Defined Benefit Liability (asset) on the Consolidated Balance Sheet (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pension commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.678&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.969&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.277&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Early retirement commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.210&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.559&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Medical benefits commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.015&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other long term employee benefits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.451&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.920&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pension plan assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.909&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Medical benefit plan assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.113&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#FFFFFF;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.840&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.006&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.022&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total net liability / asset &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.445&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.898&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Net asset on the consolidated balance sheet  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(41)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;(194)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Net liability on the consolidated balance sheet  for provisions for pensions and similar obligations (3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;6.025&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Net liability on the consolidated balance sheet  for other long term employee benefits (4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  In Turkey, the foundation responsible for managing the benefit commitments holds an additional asset of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;181&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;&amp;#8364; million which, in accordance with IFRS regarding the asset ceiling, has not been recognized in the Consolidated Financial Statements, because &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;although it could be used to reduce future pension contributions it could not be immediately refunded to the employer.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  Recorded under the heading &amp;#8220;Other Assets - Other&amp;#8221; of the consolidated balance sheet (see Note 20).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(3)  Recorded under the heading &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;&amp;#8220;Provisions - Provisions for pensions and similar obligations&amp;#8221; of the consolidated balance sheet (see Note 24).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(4)  Recorded under the heading &amp;#8220;Provisions &amp;#8211; Other long-term employee benefits&amp;#8221; of the consolidated balance sheet.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Tableofnetdefinedbenefitliabilityassetexplanatory>
  <bbva:Disclosureofconsolidatedincomestatementimpactexplanatory id="ID_88" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Consolidated Income Statement Impact (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Interest and similar expenses &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(217)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(223)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(207)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Personnel expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;147&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;149&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Defined contribution plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Defined benefit plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Provisions (net)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;332&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Early retirement expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;141&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;236&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Past service cost expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Remeasurements &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;(*)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other provision expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total impact on Consolidated Income Statement: Debit (Credit)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;350&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;582&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Actuarial losses (gains) on remeasurement of the net defined benefit liability relating to early retirements in Spain &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;and other long-term employee benefits that are charged to the income statements (see Note 2.2.12).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofconsolidatedincomestatementimpactexplanatory>
  <bbva:Disclosureofequityimpactexplanatory id="ID_89" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity Impact (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Defined benefit plans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;81&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(40)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Post-employment medical benefits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total impact on equity: Debit (Credit)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;356&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofequityimpactexplanatory>
  <bbva:Disclosureofactuarialassumptionsexplanatory id="ID_90" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:6,75pt;' &gt;&lt;td colspan='13' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Actuarial Assumptions (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:34,5pt;' &gt;&lt;td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,28%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10,45%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,23%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16,30%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,24%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,48%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,57%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11,60%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,50%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,95%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,04%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11,50%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:60pt;text-align:left;vertical-align:middle;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Rate of salary increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,75%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,75%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,90%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,50%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,75%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,30%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:60pt;text-align:left;vertical-align:middle;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Rate of pension increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,51%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12,50%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,13%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,40%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,13%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,80%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:6,75pt;' &gt;&lt;td style='width:60pt;text-align:left;vertical-align:middle;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Medical cost trend rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16,70%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12,60%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,75%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10,92%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:60pt;text-align:left;vertical-align:middle;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Mortality tables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;PERM/F 2000P&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;EMSSA09&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;RP 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;CSO2001&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;PERM/F 2000P&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;EMSSA09&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;RP 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;CSO2001&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;PERM/F 2000P&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;EMSSA97 (adjustment EMSSA09)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;RP 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;CSO2001&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofactuarialassumptionsexplanatory>
  <bbva:Disclosureofsharepremiumexplanatory id="ID_91" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;27.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Share premium&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, the balance under this heading in the accompanying consolidated balance sheets was &amp;#8364;23,992 million. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amended Spanish Corporation Act expressly permits the use of the share premium balance to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;increase capital and establishes no specific restrictions as to its use&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; (see Note 26).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofsharepremiumexplanatory>
  <bbva:Disclosureofsensitivityanalysis id="ID_92" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Sensitivity Analysis (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:171,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Basis points change&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:124,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:124,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:124,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:124,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:171,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Decrease&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Decrease&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:171,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(298)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(352)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:171,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Rate of salary increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:171,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Rate of pension increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:171,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Medical cost trend rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(181)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;290&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(225)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:171,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Change in obligation from each additional year of longevity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;155&lt;/font&gt;&lt;/td&gt;&lt;td style='width:62,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:62,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofsensitivityanalysis>
  <ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory id="ID_93" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;28.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Retained earnings, revaluation reserves and other reserves&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated balance sheet is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retained earnings, revaluation reserves and other reserves. Breakdown by concepts (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:331,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Legal reserve&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;653&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;644&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;624&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Restricted reserve&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reserves for regularizations and balance revaluations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Voluntary reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.010&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total reserves holding company &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.799&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.458&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.366&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:331,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Consolidation reserves attributed to the Bank and dependent consolidated companies.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.439&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22.963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;21.805&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The impact of the first application of IFRS 9 and the change in accounting policies due to hyperinflation is recorded in the headi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng &amp;quot;Consolidation reserves attributed to the Bank and dependent consolidated companies&amp;quot; of the previous table (see Notes 1.3, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2.4 and 2.2.20).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;28.1  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Legal reserve&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Under the amended Corporations Act, 10% of any profit made each year must be transferred to the legal reserve. The transfer must be made until the legal reserve reaches 20% of the common stock.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The legal reserve can be used to increase the common stock provided that the remaining reserve balance does not fall below 10% of the increased capital. While it does not exceed 20% of the common stock, it can only be allocated to offset losses exclusively&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in the case that there are not sufficient reserves available.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;28.2  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Restricted reserves&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, the Bank&amp;#8217;s restricted reserves are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Restricted Reserves (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Restricted reserve for retired capital&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Restricted reserve for Parent Company shares and loans for those shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Restricted reserve for redenomination of capital in euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The restricted reserve for retired capital resulted &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;from the reduction of the nominal par value of the BBVA shares made in April 2000.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The second heading corresponds to restricted reserves related to the amount of shares issued by the Bank in its possession at each date, as well as the amount of customer lo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ans outstanding at those dates that were granted for the purchase of, or are secured by, the Parent Company shares.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Finally, pursuant to Law 46/1998 on the Introduction of the Euro, a restricted reserve is recognized as a result of the rounding effect of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the redenomination of the Parent Company common stock in euros.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;28.3  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Retained earnings, revaluation reserves and other reserves by entity&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown, by company or corporate group, under the headings &amp;#8220;Retained earnings, revaluation reserves and other &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;reserves&amp;#8221; in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:480,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retained earnings, Revaluation reserves and Other reserves (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Retained earnings and Revaluation reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Holding Company &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.625&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.101&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Bancomer Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.108&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Seguros, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(127)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(215)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(62)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Corporacion General Financiera, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.084&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.187&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Provincial Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(124)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(113)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(92)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Chile Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;951&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.264&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Paraguay&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Compa&amp;#241;&amp;#237;a de Cartera e Inversiones, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Anida Grupo Inmobiliario, S.L.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;515&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;528&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Suiza, S.A. &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(57)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Continental Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;756&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;681&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;611&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Luxinvest, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Colombia Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;926&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;803&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Franc&amp;#233;s Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;999&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;827&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Banco Industrial De Bilbao, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gran Jorge Juan, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(30)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Portugal Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(66)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(436)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(477)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Participaciones Arenal, S.L.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(183)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(180)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Propiedad S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(503)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(431)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Anida Operaciones Singulares, S.L.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5.317)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4.881)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4.127)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Grupo BBVA USA Bancshares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(586)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(794)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.053)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti Turkiye Bankasi Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.415&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;127&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unnim Real Estate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(587)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(576)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(477)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Bilbao Vizcaya Holding, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pecri Inversi&amp;#243;n S.L.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(74)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(73)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(75)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(164)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;127&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;21.864&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Metrovacesa Suelo, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(61)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(52)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(59)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(59)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22.963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;21.805&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For the purpose of allocating the reserves and accumulated losses to the consolidated entities and to the parent company, the transfers of reserves arising &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;from the dividends paid and transactions between these entities are taken into account in the p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;eriod in which they took place.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory>
  <bbva:Tableofdefinedbenefitplans id="ID_94" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:487,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:487,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Defined Benefits (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Plan Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Net Liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Plan Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Net Liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Plan Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#004481;' &gt;Net Liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;8.384&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3.006&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.378&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;8.851&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3.022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.829&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;9.184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3.124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;6.060&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Current service cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;292&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;217&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;290&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;68&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;299&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;92&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Contributions by plan participants&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(103)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(154)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Past service costs &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;231&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;231&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;235&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;235&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(263)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(286)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;331&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;359&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;      Return on plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(286)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(161)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in demographic assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in financial assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(274)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(274)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;220&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;220&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;Other actuarial gain and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;141&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(979)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(200)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(779)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.029)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(169)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(861)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1.052)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(169)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(883)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Settlement payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(43)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(43)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(278)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(258)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(282)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(293)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Conversions to defined contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7.585&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;2.840&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4.745&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;8.384&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3.006&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.378&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;8.851&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3.022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.829&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#666666;' &gt;Of which&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;260&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;358&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.799&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.615&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.587&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.661&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.602&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.627&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(171)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;287&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;385&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;422&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;520&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;424&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;447&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;348&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  In&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;cluding gains and losses arising from settleme&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nts.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Excluding interest, which is recorded under &amp;quot;Interest income or expense&amp;quot;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Tableofdefinedbenefitplans>
  <bbva:Tableofdefinedbenefitplansbygeography id="ID_95" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Post-employment commitments  2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:251,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:251,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;470&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;520&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;387&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Current service cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Contributions by plan participants&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Past service costs &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;148&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in demographic assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in financial assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(45)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;Other actuarial gain and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(824)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(134)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4.807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;512&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;422&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;402&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Vested benefit obligation relating to current employees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-style:italic;color:#787878;' &gt;Vested benefit obligation relating to retired employees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#A7A7A7;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Post-employment commitments  2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:251,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:251,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Plan Assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;488&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;424&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;351&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Contributions by plan participants&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(70)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Return on plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(70)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(61)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(108)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;260&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;441&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;287&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;366&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:479,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:479,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Post-employment commitments  2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:247,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:247,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Liability (Asset)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Current service cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Contributions by plan participants&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Past service costs &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;148&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Return on plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in demographic assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in financial assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(45)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;Other actuarial gain and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(763)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4.547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ncluding gains and losses arising from settlements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Excluding interest, which is recorded&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; under &amp;quot;Interest income or expense&amp;quot;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='11' rowspan='1' style='width:476,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:476,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Post-employment commitments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25,5pt;' &gt;&lt;td style='width:108,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:183,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:183,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017: Net liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:183,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:183,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016: Net liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:108,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Rest of the world&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.799&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(59)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;6.109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(79)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Current service cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(14)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Past service costs &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;235&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(67)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Return on plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(101)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in demographic assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;From changes in financial assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;81&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;Other actuarial gain and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(842)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(867)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Settlement payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(43)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Conversions to defined contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:108,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:108,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;5.799&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(59)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:36,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Includes gains and losses from settlements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Excludes interest which is reflected&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; in the line item &amp;#8220;Interest income and expenses&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Tableofdefinedbenefitplansbygeography>
  <bbva:Disclosureofmedicalbenefitcommitments id="ID_96" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:487,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:487,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Medical Benefits Commitments&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:112,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:112,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:112,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:112,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:112,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:112,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:42,75pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Plan assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Plan assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Defined Benefit Obligation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Plan assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net liability (asset)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(98)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.149&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(127)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Current service cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest income or expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;101&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(71)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(114)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Past service costs &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Remeasurements:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(164)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(60)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Return on plan assets &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#0066CC;' &gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(164)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(60)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;        From changes in demographic assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;        From changes in financial assumptions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(182)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(182)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#666666;' &gt;        Other actuarial gain and losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(30)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Effect on changes in foreign exchange rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(92)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(100)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(138)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(156)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other  effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:37,5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(98)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ncluding gains and losses arising from settlements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Excluding interest, which is recorded under &amp;quot;Interest incom&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;e or expense&amp;quot;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofmedicalbenefitcommitments>
  <ifrs-full:DisclosureOfTreasurySharesExplanatory id="ID_97" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;29.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Treasury shares&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the years ended December 31, 2018, 2017 and 2016 the Group entities performed the following transactions with shares issued by the Bank:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Treasury Shares (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:35,1pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Number of Shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Millions of Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Number of Shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Millions of Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Number of Shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Millions of Euros&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;13.339.582&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;7.230.787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;38.917.665&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; + Purchases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;279.903.844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.683&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;238.065.297&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.674&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;379.850.939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.004&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; - Sales and other changes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(245.985.735)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.505)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(231.956.502)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.622)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(411.537.817)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2.263)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; +/- Derivatives on BBVA shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; +/- Other changes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;47.257.691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;13.339.582&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;7.230.787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#666666;' &gt;Held by BBVA, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.789.894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#666666;' &gt;Held by Corporaci&amp;#243;n General Financiera, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47.257.691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.339.582&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.440.893&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Average purchase price in Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6,11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7,03&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5,27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Average selling price in Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6,25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6,99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5,50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Net gain or losses on transactions&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; (Shareholders&amp;#39; funds-Reserves)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(30)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The percentages of treasury shares held by the Group in the years ended &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;December 31, 2018, 2017 and 2016 are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:479,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:479,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Treasury Stock&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:132,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:132,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:132,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:132,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:132,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:132,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Min&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Max&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Closing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Min&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Max&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Closing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Min&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Max&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Closing&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;% treasury stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,200%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,850%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,709%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,004%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,278%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,200%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,081%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,756%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,110%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The number of BBVA shares accepted by the Group in pledge of loans as of December 31, 2018, 2017 and 2016 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Shares of BBVA Accepted in Pledge&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Number of shares in pledge&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61.632.832&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64.633.003&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90.731.198&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Nominal value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;% of share capital&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,92%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,97%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,38%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The number of BBVA shares owned by &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;third parties but under management of a company within the Group as of December 31, 2018, 2017 and 2016 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Shares of BBVA Owned by Third Parties but Managed by the Group&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Number of shares owned by third parties&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25.306.229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34.597.310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;85.766.602&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Nominal value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;% of share capital&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,38%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,52%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,31%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfTreasurySharesExplanatory>
  <bbva:Disclosureofestimatedbenefitpayments id="ID_98" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Estimated Benefit Payments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:140,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2024-2028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:140,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitments in Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;684&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;611&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;518&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;419&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;333&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;965&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:140,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitments in Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;92&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;680&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:140,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitments in United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:140,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitments in Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;231&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:140,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:140,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;734&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;652&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.979&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofestimatedbenefitpayments>
  <bbva:Disclosurecapitalincreaseexplanatory id="ID_99" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Capital Increase&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Number of Shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Common Stock&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;As of December 31, 2015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.366.680.118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.120&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividend option - April 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;113.677.807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividend option - October 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;86.257.317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;As of December 31, 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.566.615.242&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividend option . April 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;101.271.338&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;As of December 31, 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.667.886.580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:287,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:287,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;As of December 31, 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.667.886.580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:97,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:97,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosurecapitalincreaseexplanatory>
  <bbva:Accumulatedothercomprehensiveincomeexplanatory id="ID_100" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;30.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Accumulated other comprehensive income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt; (loss)&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated other comprehensive income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017(*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016(*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Items that will not be reclassified to profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(1.284)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(1.183)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(1.095)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Actuarial gains or losses on defined benefit pension plans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.245)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.183)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.095)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of equity instruments measured at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(155)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Items that may be reclassified to profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(5.932)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(5.755)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(2.527)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedge of net investments in foreign operations (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(218)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(118)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Foreign currency translation &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6.643)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7.297)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3.349)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging derivatives. Cash flow hedges (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets available for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;947&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of debt instruments measured at fair value through other comprehensive income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;943&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(40)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(7.215)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(6.939)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(3.622)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;See Note 1.3.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The balances recognized under these headings are &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;presented net of tax.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Accumulatedothercomprehensiveincomeexplanatory>
  <bbva:Disclosureretainedearningsrevaluationreservesandotherreservesbreakdownbyconceptsexplanatory id="ID_101" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retained earnings, revaluation reserves and other reserves. Breakdown by concepts (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:331,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Legal reserve&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;653&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;644&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;624&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Restricted reserve&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reserves for regularizations and balance revaluations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Voluntary reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.010&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total reserves holding company &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.799&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.458&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.366&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:331,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Consolidation reserves attributed to the Bank and dependent consolidated companies.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.439&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:331,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:331,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22.963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;21.805&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureretainedearningsrevaluationreservesandotherreservesbreakdownbyconceptsexplanatory>
  <bbva:Disclosureretainedearningsrevaluationreservesexplanatory id="ID_102" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:480,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retained earnings, Revaluation reserves and Other reserves (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Retained earnings and Revaluation reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Holding Company &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.625&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.101&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Bancomer Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.108&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Seguros, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(127)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(215)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(62)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Corporacion General Financiera, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.084&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.187&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Provincial Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(124)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(113)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(92)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Chile Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;951&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.264&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Paraguay&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Compa&amp;#241;&amp;#237;a de Cartera e Inversiones, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Anida Grupo Inmobiliario, S.L.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;515&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;528&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Suiza, S.A. &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(57)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Continental Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;756&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;681&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;611&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Luxinvest, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Colombia Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;926&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;803&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Franc&amp;#233;s Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;999&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;827&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Banco Industrial De Bilbao, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gran Jorge Juan, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(30)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Portugal Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(66)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(436)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(477)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Participaciones Arenal, S.L.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(183)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(180)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Propiedad S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(503)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(431)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Anida Operaciones Singulares, S.L.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5.317)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4.881)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4.127)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Grupo BBVA USA Bancshares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(586)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(794)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.053)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti Turkiye Bankasi Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.415&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;127&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unnim Real Estate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(587)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(576)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(477)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Bilbao Vizcaya Holding, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pecri Inversi&amp;#243;n S.L.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(74)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(73)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(75)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(164)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;127&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;21.864&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Metrovacesa Suelo, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(61)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(52)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(59)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(59)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22.963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;21.805&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureretainedearningsrevaluationreservesexplanatory>
  <bbva:Disclosurerestrictedreservesexplanatory id="ID_103" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Restricted Reserves (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Restricted reserve for retired capital&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Restricted reserve for Parent Company shares and loans for those shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Restricted reserve for redenomination of capital in euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosurerestrictedreservesexplanatory>
  <ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory id="ID_104" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;31.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Minority interest&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown by groups of consolidated entities of the balance under the heading &amp;#8220;Minority interests (non-controlling interest)&amp;#8221; of total equity in the accompanying consolidated balance sheets is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:432,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-Controlling Interests (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Colombia Group &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Chile Group (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;399&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;377&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Continental Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.167&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.059&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Provincial Group &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Franc&amp;#233;s Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;352&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;420&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;243&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.058&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.903&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.157&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.979&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.064&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; See Note 3.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These amounts are broken down by groups of consolidated entities under the heading &amp;#8220;Attributable to minority interests (non-controlling interest)&amp;#8221; in the accompanying consolidated income statements:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:432,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Profit attributable to Non-Controlling Interests (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Colombia Group &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Chile Group (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Continental Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;193&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Provincial Group &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Franc&amp;#233;s Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;93&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;585&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;883&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;917&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;827&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.244&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; See Note 3.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Dividends distributed to non-controlling interest of the Group during the year 2018 are: Garanti Group &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;233&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, BBVA Banco Continental Group &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;108&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, BBVA Chile Group &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;14&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, BBVA Banco Franc&amp;#233;s Group &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;13&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million and other &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Spanish entiti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es accounted for &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;10&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory>
  <bbva:Tableoftreasurystock id="ID_105" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Treasury Shares (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:35,1pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Number of Shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Millions of Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Number of Shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Millions of Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Number of Shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Millions of Euros&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;13.339.582&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;7.230.787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;38.917.665&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; + Purchases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;279.903.844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.683&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;238.065.297&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.674&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;379.850.939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.004&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; - Sales and other changes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(245.985.735)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.505)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(231.956.502)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.622)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(411.537.817)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2.263)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; +/- Derivatives on BBVA shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; +/- Other changes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;47.257.691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;13.339.582&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;7.230.787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#666666;' &gt;Held by BBVA, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.789.894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#666666;' &gt;Held by Corporaci&amp;#243;n General Financiera, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47.257.691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.339.582&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.440.893&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Average purchase price in Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6,11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7,03&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5,27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:7,9pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Average selling price in Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6,25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6,99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5,50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,6pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Net gain or losses on transactions&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; (Shareholders&amp;#39; funds-Reserves)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(30)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableoftreasurystock>
  <bbva:Tableofpercentajetreasurystock id="ID_106" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:479,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:479,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Treasury Stock&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:132,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:132,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:132,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:132,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:132,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:132,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Min&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Max&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Closing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Min&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Max&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Closing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Min&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Max&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Closing&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;% treasury stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,200%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,850%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,709%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,004%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,278%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,200%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,081%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,756%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:44,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:44,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,110%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofpercentajetreasurystock>
  <bbva:Sharesacceptedinpledge id="ID_107" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Shares of BBVA Accepted in Pledge&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Number of shares in pledge&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61.632.832&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64.633.003&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90.731.198&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Nominal value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;% of share capital&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,92%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,97%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,38%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Sharesacceptedinpledge>
  <bbva:Sharesownedbythirdpartiesbutmanagedbythegroup id="ID_108" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Shares of BBVA Owned by Third Parties but Managed by the Group&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Number of shares owned by third parties&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25.306.229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34.597.310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;85.766.602&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Nominal value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;% of share capital&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,38%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,52%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,31%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Sharesownedbythirdpartiesbutmanagedbythegroup>
  <bbva:Accumulatedothercomprehensiveincomeclassifiedbyconceptsexplanatory id="ID_109" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated other comprehensive income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017(*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016(*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Items that will not be reclassified to profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(1.284)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(1.183)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(1.095)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Actuarial gains or losses on defined benefit pension plans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.245)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.183)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.095)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of equity instruments measured at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(155)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Items that may be reclassified to profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(5.932)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(5.755)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(2.527)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedge of net investments in foreign operations (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(218)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(118)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Foreign currency translation &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6.643)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7.297)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3.349)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging derivatives. Cash flow hedges (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets available for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;947&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair value changes of debt instruments measured at fair value through other comprehensive income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;943&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(40)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(7.215)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(6.939)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(3.622)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;See Note 1.3.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Accumulatedothercomprehensiveincomeclassifiedbyconceptsexplanatory>
  <ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory id="ID_110" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;32. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Capital base and capital management&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;32.1  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Capital base&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, equity is calculated in accordance to the applicable regulation of each period on minimum capital base requirements &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;for Spanish credit institutions &amp;#8211;both as individual entities and as consolidated group&amp;#8211; and how to calculate them, as well as the various internal capital adequacy assessment processes they should have in place and the information they should disclose to t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he market.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The minimum capital base requirements established by the current regulation are calculated according to the Group&amp;#8217;s exposure to credit and dilution risk, counterparty and liquidity risk relating to the trading portfolio, exchange-rate risk and o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;perational risk. In addition, the Group must fulfill the risk concentration limits established in said regulation and the internal corporate governance obligations.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;At the date of preparation of these consolidated financial statements, BBVA has not receive&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d an official communication of the ECB about the results of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;' &gt;SREP &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;process which had been carried &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;out during the financial year 2018 and which will include requirements regarding the capital ratio (both at individual and consolidated level) applicable to BBVA and its Group as from the date indicated in that communication. As soon as this communication &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;will be available, BBVA will disclose it to the markets by means of public relevant events.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Taking into account fully application of capital buffers since January 1, 2019 and considering last capital requirement co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;m&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;municated from ECB, BBVA has to maintain &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;since January 1, 2019  i) a CET1 ratio of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;9.26%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; at consolidated level and ii) a total capital ratio of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;12.76%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; at consolidated level&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. This total consolidated capital ratio includes &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;i) the minimum common equity tier 1 capital (CET1) requirement under Pillar &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1 (4.5%); ii) the additional tier 1 capital (AT1) requirement under Pillar 1 (1.5%)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;iii) the tier 2 capital requirement under Pillar 1 (2%)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;iv) the CET1 capital requirement under Pillar 2 (1.5%)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;v) the capital conservation buffer (2.5% of CET1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;vi) the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; Other Systemic Important Institution buffer (OSII) (0.75% of CET1); and vii) the countercyclical capital buffer (0.01% of CET1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group&amp;#8217;s bank capital in accordance with the aforementioned applicable regulation, considering entities scope required by t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he above regulation, as of December 31, 2018, 2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;017 and 2016 is shown below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Eligible capital resources (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;December 2018 (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt; December 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Capital&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Share premium&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23.992&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23.992&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23.992&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retained earnings, revaluation reserves and other reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22.963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23.590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;21.805&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other equity instruments, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Treasury shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(296)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(96)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Attributable to the parent company&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.324&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Attributable dividend&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(975)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.043)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.510)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;54.325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;53.283&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;50.985&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Accumulated other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7.215)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6.939)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.622)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-controlling interest&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.979&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.064&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Shareholders&amp;#39; equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;52.874&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;53.323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;55.428&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Intangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(8.199)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6.627)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.675)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Fin. treasury shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Indirect treasury shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(108)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(134)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(51)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Deductions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(8.334)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(6.809)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(5.808)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Temporary CET 1 adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(273)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(129)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;Capital gains from the Available-for-sale debt instruments portfolio&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(256)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(402)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;Capital gains from the Available-for-sale equity portfolio&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;273&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Differences from solvency and accounting level&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(176)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(189)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(120)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Equity not eligible at solvency level&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(176)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(462)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(249)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Other adjustments and deductions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(4.053)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(2.001)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Common Equity Tier 1 (CET 1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;40.311&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;42.341&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;47.370&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Additional Tier 1 before Regulatory Adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;5.634&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;6.296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;6.114&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total Regulatory Adjustments of Additional Tier 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(1.657)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(3.401)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Tier 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;45.945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;46.980&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;50.083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Tier 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;8.754&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;8.798&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;8.810&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total Capital (Total Capital=Tier 1 + Tier 2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;54.699&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;55.778&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;58.893&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;border-left-style:solid;border-left-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total Minimum equity required&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;41.607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;40.370&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;37.923&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  P&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rovisional data.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Capital Base &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018 (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tier 1 (millions of euros) (a)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45.945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46.980&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50.083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exposure (millions of euros) (b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;705.406&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;700.443&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;747.216&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Leverage ratio (a)/(b) (percentage)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,51%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,71%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,70%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  P&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rovisional data&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018 Common Equity Tier 1 (CET1) phased-in ratio stood at &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;11.6%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; (in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; terms of fully loaded, CET1 stood at 11.3%)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. Excluding the effect of the phased-in calendar in minority interest and deductions that goes from 80% in 2017 to 100% in 2018, and including the positive impact of the sale of the stake in BBVA Chile (+50 bps),&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the CETI phased-in ratio has increased by +48 bps. This increase is mainly explained by the generation of profit, net of dividend payments and remunerations of AT1 instruments and dividends received by the Bank, and the stability in the level of risk weig&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hted assets (RWA).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This CET1 phased-in ratio includes the impact of the initial implementation of IFRS9. In this context, the European Commission and Parliament have established temporary arrangements that are voluntary for the institutions, adapting the i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;mpact of IFRS9 on capital ratios. BBVA has informed the supervisory board its adherence to these arrangements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, transfer of the real estate business of BBVA in Spain to Cerberus has no material impact on the ratios (see Note 3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;TIER1 phased-in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; ratio stood at &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;13.2%&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; as of December 31, 2018. During the year the Group has computed two new issuances of contingent convertible bonds (CoCos) as TIER1 instruments for US$1,000 million and &amp;#8364;1,000 million, respectively. In addition, the Group has no longer&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; includes a US$1,500 million issuance which &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;was early redeemed in May 2018 and announced in January 2019 its intention to exercise the early redemption of an issuance of &amp;#8364;1,500 million. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The net effect on TIER1 phased-in ratio was -15 bps&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Regarding TIER2 r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;atio, in the third quarter the Group has received authorization from the supervisor to include a subordinated issuance of US$300 million and no longer includes BBVA Chile subordinated instruments. As result of the above mentioned effects, the total capital&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; phased-in ratio stood at 15.7%.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, the Group has continued its program to meet the MREL requirements by carrying two public senior non-preferred instruments by a total amount of &amp;#8364;2.5 billion. In terms of MREL (which stands for Minimum Requiremen&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t for own funds and Eligible Liabilities), BBVA has to reach, by January 1, 2020, an amount of own funds and eligible liabilities equal to 15.08% of the total liabilities and own funds of its resolution group (BBVA, S.A. and its subsidiaries from the same &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;European resolution group) as of December 31, 2016. This MREL requirement would be equal to 28.04% in terms of risk-weighted assets of the resolution group as of December 31, 2016. The Group believes that it is currently in line with this requirement.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;-weighted assets (RWA) have decreased during the year, largely due to the sale of BBVA Chile and the depreciation of currencies against euro. The Group has performed three securitizations during the year: a traditional one in June of an automobile loan por&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tfolio of consumer finance amounting to &amp;#8364;800 million, and two synthetic ones in March and December, on which the European Investment Fund (EIF, a subsidiary of the European Investment Bank) provided a financial guarantee. These three securitizations have p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;roduced a positive impact on capital of &amp;#8364;971 million via RWA release. Additionally, during the first half of the year, BBVA has received an authorization from the ECB to update the calculation of RWA on structural FX risk under the standard model.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A recon&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ciliation of the consolidated accounting and regulatory perimeters as of December 31st 2018 is presented below (provisional data):&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:14,25pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Public balance sheet headings (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:42,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Public balance sheet&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Insurance companies and real estate companies (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Jointly-controlled entities and other adjustments (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Regulatory balance sheet&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58.196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58.296&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90.117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.277&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91.394&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non- trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2.768)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.367&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.313)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets designated at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56.337&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(14.318)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42.019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;419.660&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6.279)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;413.974&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(87)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.805&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Investments in entities accounted for using the equity method &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.587&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(80)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.085&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non- current assets and disposal groups held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.001&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.001&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.481&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;715&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.199&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;676.689&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(20.191)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;657.119&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Correspond to balances of entities fully consolidated in the public balance sheet but consolidate&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;d by the equity method in the regulatory balance sheet.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Correspond to intragroup adjustments and other consolidation adjustments.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;32.2  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Capital management&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Capital management in the BBVA Group has a twofold aim: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:4pt;margin-bottom:4pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Maintain a level of capitalization &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;according to the business objectives in all countries in which it operates and, simultaneously,&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:4pt;margin-bottom:4pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Maximize the return on shareholders&amp;#8217; funds through the efficient allocation of capital to the different units, a good management of the balance sheet and approp&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;riate use of the various instruments forming the basis of the Group&amp;#8217;s equity: shares, preferred securities and subordinate debt.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This capital management is carried out determining the capital base and the solvency ratios established by the prudential and m&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;inimum capital requirements also have to be met for the entities subject to prudential supervision in each country.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The current regulation allows each entity to apply its own internal ratings-based (IRB) approach to risk assessment and capital management, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;subject to Bank of Spain approval. The BBVA Group carries out an integrated management of these risks in accordance with its internal policies and its internal capital estimation model has received the Bank of Spain&amp;#8217;s approval for certain portfolios (see N&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ote 7).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory>
  <bbva:Noncontrolinginterestexplanatory id="ID_111" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:432,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-Controlling Interests (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Colombia Group &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Chile Group (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;399&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;377&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Continental Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.167&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.059&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.059&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Provincial Group &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Franc&amp;#233;s Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;352&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;420&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;243&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.058&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.903&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.157&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.979&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.064&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; See Note 3.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Noncontrolinginterestexplanatory>
  <bbva:Profitatributabletononcontrolinginterest id="ID_112" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:432,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Profit attributable to Non-Controlling Interests (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Colombia Group &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Chile Group (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Continental Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;193&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Provincial Group &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Banco Franc&amp;#233;s Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;93&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;585&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;883&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;917&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;827&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.244&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; See Note 3.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Profitatributabletononcontrolinginterest>
  <bbva:Eligiblecapitalresources id="ID_113" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Eligible capital resources (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,9pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;December 2018 (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt; December 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Capital&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Share premium&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23.992&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23.992&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23.992&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Retained earnings, revaluation reserves and other reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22.963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23.590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;21.805&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other equity instruments, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Treasury shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(296)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(96)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Attributable to the parent company&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.324&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Attributable dividend&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(975)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.043)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.510)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;54.325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;53.283&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;50.985&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Accumulated other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7.215)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6.939)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.622)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-controlling interest&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.979&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.064&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Shareholders&amp;#39; equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;52.874&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;53.323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;55.428&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Intangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(8.199)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6.627)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.675)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Fin. treasury shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Indirect treasury shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(108)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(134)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(51)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Deductions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(8.334)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(6.809)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(5.808)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Temporary CET 1 adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(273)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(129)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;Capital gains from the Available-for-sale debt instruments portfolio&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(256)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(402)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;Capital gains from the Available-for-sale equity portfolio&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;273&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Differences from solvency and accounting level&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(176)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(189)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(120)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Equity not eligible at solvency level&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(176)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(462)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(249)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Other adjustments and deductions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(4.053)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(2.001)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Common Equity Tier 1 (CET 1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;40.311&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;42.341&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;47.370&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Additional Tier 1 before Regulatory Adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;5.634&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;6.296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;6.114&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total Regulatory Adjustments of Additional Tier 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(1.657)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(3.401)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Tier 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;45.945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;46.980&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;50.083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Tier 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;8.754&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;8.798&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;8.810&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total Capital (Total Capital=Tier 1 + Tier 2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;54.699&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;55.778&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;58.893&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;border-left-style:solid;border-left-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total Minimum equity required&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;41.607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;40.370&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;37.923&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  P&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rovisional data.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Eligiblecapitalresources>
  <bbva:Tableofleverageratio id="ID_114" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Capital Base &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018 (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tier 1 (millions of euros) (a)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45.945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46.980&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50.083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exposure (millions of euros) (b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;705.406&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;700.443&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;747.216&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Leverage ratio (a)/(b) (percentage)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,51%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,71%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,70%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  P&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rovisional data&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Tableofleverageratio>
  <bbva:Regulatorybalancereconcilitation id="ID_115" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:14,25pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Public balance sheet headings (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:42,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Public balance sheet&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Insurance companies and real estate companies (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Jointly-controlled entities and other adjustments (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Regulatory balance sheet&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58.196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58.296&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90.117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.277&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91.394&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non- trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2.768)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.367&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.313)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets designated at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56.337&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(14.318)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42.019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;419.660&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6.279)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;413.974&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(87)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.805&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Investments in entities accounted for using the equity method &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.587&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(80)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.085&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non- current assets and disposal groups held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.001&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.001&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.481&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;715&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.199&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;676.689&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(20.191)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;657.119&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Correspond to balances of entities fully consolidated in the public balance sheet but consolidate&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;d by the equity method in the regulatory balance sheet.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Correspond to intragroup adjustments and other consolidation adjustments.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Regulatorybalancereconcilitation>
  <bbva:Loancommitmentsfinancialguaranteesandothercommitments id="ID_116" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loan commitments, financial guarantees and other commitments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;118.959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;94.268&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;107.254&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: defaulted&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;247&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;537&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;411&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.318&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.198&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;9.635&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;946&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.209&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5.664&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3.795&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.155&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;58.405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;58.133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;71.710&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;42.936&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;29.195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;25.824&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Financial guarantees given (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;16.454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;16.545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;18.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: defaulted&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;278&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;278&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.274&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3.105&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;722&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;13.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;11.518&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;15.354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;319&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;534&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other commitments and guarantees given &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;35.098&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;45.738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;42.592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: defaulted&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;408&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;461&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;402&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;372&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5.875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;15.330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;9.880&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3.820&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.892&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;25.723&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;25.992&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;27.297&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;362&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total Loan commitments and financial guarantees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;170.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;156.551&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;168.113&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  N&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;on performing financial guarantees given amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;740&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;739&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;680&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; million, respectively, as of December 31, 2018, December 31, 2017, and December 31, 2016, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Loancommitmentsfinancialguaranteesandothercommitments>
  <bbva:Purchaseandsalecommitments id="ID_117" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Purchase and Sale Commitments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Financial instruments sold with repurchase commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;42.993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;40.077&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;46.562&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Credit Institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.839&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.466&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.178&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.077&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46.562&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;375&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.155&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.649&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Credit Institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.421&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.079&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.491&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Financial instruments purchased with resale commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28.034&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26.368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22.921&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.262&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Credit Institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.794&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;772&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.921&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;81&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Credit Institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;478&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.861&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.561&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.279&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Purchaseandsalecommitments>
  <bbva:Maturityoffuturepaymentobligations id="ID_118" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Maturity of Future Payment Obligations (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Operating leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;251&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;554&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.879&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.937&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Purchase commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Technology and systems projects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other projects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;279&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;554&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.879&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.965&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Maturityoffuturepaymentobligations>
  <bbva:Tableoftransactionsonbehalfofthirdparties id="ID_119" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:10,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transactions on Behalf of Third Parties (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial instruments entrusted to BBVA by third parties&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;628.417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;624.822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;637.761&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Conditional bills and other securities received for collection&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.775&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16.054&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities lending&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.968&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;646.768&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;645.081&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;657.783&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableoftransactionsonbehalfofthirdparties>
  <ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory id="ID_120" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;33.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Commitments and guarantees given&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loan commitments, financial guarantees and other commitments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;118.959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;94.268&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;107.254&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: defaulted&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;247&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;537&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;411&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.318&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.198&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;9.635&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;946&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.209&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5.664&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3.795&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.155&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;58.405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;58.133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;71.710&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;42.936&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;29.195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;25.824&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Financial guarantees given (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;16.454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;16.545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;18.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: defaulted&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;278&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;278&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.274&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3.105&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;722&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;13.970&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;11.518&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;15.354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;319&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;534&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other commitments and guarantees given &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;35.098&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;45.738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;42.592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: defaulted&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;408&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;461&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;402&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;372&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5.875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;15.330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;9.880&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3.820&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.892&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;25.723&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;25.992&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;27.297&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;362&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total Loan commitments and financial guarantees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;170.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;156.551&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;168.113&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  N&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;on performing financial guarantees given amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;740&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;739&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;680&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; million, respectively, as of December 31, 2018, December 31, 2017, and December 31, 2016, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s of December 31, 2018, the provisions for loan commitments given, financial guarantees given and other commitments and guarantees given, recorded&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in the consolidated balance sheet amounted &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;338&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;252&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;45&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, respectively.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Since a significant portion of the amounts above will expire without any payment being made by the consolidated entities, the aggregate balance of these&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; commitments cannot be considered the actual future requirement for financing or liquidity to be provided by the BBVA Group to third parties.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the years 2018, 2017 and 2016, no issuance&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of debt securities carried out by associates of the BBVA Group, joint venture entities or non-Group entities have been guaranteed.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory>
  <bbva:Customerfundsbytype id="ID_121" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:10,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer Funds by Type (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Asset management by type of customer (*):&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Collective investment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61.393&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60.939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55.037&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pension funds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33.807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33.985&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33.418&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer portfolios managed &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29.953&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.901&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.805&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Portfolios managed on a discretionary basis&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;23.657&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;19.628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;18.165&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other resources&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.949&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.081&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.831&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Customer resources distributed but not managed by type of product:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Collective investment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.695&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance products&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;131.603&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;138.347&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;135.824&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  E&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;xcludes balances from securitization funds.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Customerfundsbytype>
  <bbva:Disclosureofothercontingentassetsandliabilitiesexplanatory id="ID_122" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;34.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Other contingent assets and liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016 there were no material contingent assets or liabilities other than those disclosed in the accompanying notes to the consolidated financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;statements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofothercontingentassetsandliabilitiesexplanatory>
  <bbva:Disclosureavailableamountforinterimdividedpaymentsexplanatory id="ID_123" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Available Amount for Interim Dividend Payments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;August, 31, 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Profit  of BBVA, S.A., after the provision for income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.462&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:432,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Additional Tier I capital instruments remuneration&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;236&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Maximum amount distributable&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2.226&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Amount of proposed interim dividend&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;667&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;BBVA cash balance available to the date&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4.577&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureavailableamountforinterimdividedpaymentsexplanatory>
  <ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory id="ID_124" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;35. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Purchase and sale commitments and future payment obligations&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of purchase and sale commitments of the BBVA Group as of December 31, 2018, 2017 and 2016 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Purchase and Sale Commitments (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Financial instruments sold with repurchase commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;42.993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;40.077&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;46.562&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Credit Institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.839&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.466&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.178&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.077&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46.562&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;375&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.155&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.649&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Credit Institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.421&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.079&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.491&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Financial instruments purchased with resale commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28.034&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26.368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22.921&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.262&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Credit Institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.794&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;772&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.921&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;81&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Credit Institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;478&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.861&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.561&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.279&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A breakdown of the maturity of other payment &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;obligations, not included in previous notes, due after December 31, 2018 is provided below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Maturity of Future Payment Obligations (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Operating leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;251&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;554&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.879&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.937&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Purchase commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Technology and systems projects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,25pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other projects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;279&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;554&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.879&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.965&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory>
  <bbva:Transactionsonbehalfofthirdpartiesexplanatory id="ID_125" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;36.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Transactions on behalf of third parties&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016 the details of the most transactions on behalf of third parties are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:10,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transactions on Behalf of Third Parties (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial instruments entrusted to BBVA by third parties&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;628.417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;624.822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;637.761&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Conditional bills and other securities received for collection&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.775&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16.054&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities lending&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.968&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;646.768&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;645.081&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;657.783&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016 the customer funds managed &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;by the BBVA Group are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:10,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer Funds by Type (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Asset management by type of customer (*):&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Collective investment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61.393&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60.939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55.037&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pension funds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33.807&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33.985&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33.418&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer portfolios managed &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29.953&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.901&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.805&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Portfolios managed on a discretionary basis&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;23.657&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;19.628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;18.165&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other resources&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.949&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.081&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.831&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Customer resources distributed but not managed by type of product:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Collective investment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.695&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance products&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;131.603&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;138.347&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;135.824&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  E&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;xcludes balances from securitization funds.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Transactionsonbehalfofthirdpartiesexplanatory>
  <bbva:Financialassetsandliabilitiesheldfortrading id="ID_126" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:486pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:486pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets and Liabilities Held-for-Trading (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30.536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35.265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42.955&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25.577&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.166&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances &lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total  Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;90.117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;64.695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;74.950&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43.118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Short positions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.025&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.556&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37.934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total  Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;80.774&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;46.182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;54.675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialassetsandliabilitiesheldfortrading>
  <ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory id="ID_127" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;37. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Net interest income&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;37.1  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Interest income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt; and other income&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the interest income and other income recognized in the accompanying consolidated income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000080;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;statement is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest income and other income. Breakdown by Origin (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;482&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;406&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;458&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;410&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;217&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.699&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.395&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.128&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.263&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other portfolios&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.546&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.114&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Adjustments of income as a result of hedging transactions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(201)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(385)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Cash flow hedges (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Fair value hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(198)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;412&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(397)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance activity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.058&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.219&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;722&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;487&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;692&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;55.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29.831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29.296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;27.708&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Financial assets at fair value through other comprehensive income &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.306&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.962&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;24.668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;23.803&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;24.578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.856&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3.531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3.130&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amounts recognized in consolidated equity in connection with hedging derivatives and the amounts derecognized from consolidated equity and taken to the consolidated income statement during the years are given in the accompanying &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8220;Consolidated statements of recognized income and expenses&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;37.2  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Interest expense&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest Expenses. Breakdown by Origin (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;80&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.367&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customers deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.523&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.814&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.766&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.936&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.930&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.323&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Adjustments of expenses as a result of hedging transactions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(323)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;665&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(574)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Cash flow hedges (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Fair value hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(368)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;627&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(616)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cost attributable to pension funds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance activity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;682&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;846&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.274&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;316&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;634&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.239&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;11.537&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10.648&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;37.3  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Average&lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt; return on investments and average borrowing cost&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The detail of the average return on investments in the years ended December 31, 2018, 2017 and 2016 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:477pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:477pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:39pt;' &gt;&lt;td style='width:119,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Cash and balances with central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42.730 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;135 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,32 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33.917 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;83 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,25 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26.209 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,04 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Securities portfolio and derivatives &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;179.672 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.707 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,18 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;177.164 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.724 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,67 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;202.388 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.072 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,51 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.518 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;258 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,67 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10.945 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;258 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,36 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15.326 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;229 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,50 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25.634 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;657 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,56 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26.420 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;485 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,83 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28.078 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;218 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,78 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;378.996 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22.804 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,02 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;407.153 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.261 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5,71 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;410.895 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21.853 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5,32 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;181.668 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.381 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,86 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;196.893 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.449 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,75 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;201.967 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.750 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,86 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Foreign currency&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;197.328 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19.423 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,84 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;210.261 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19.812 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,42 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;208.928 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;18.104 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,67 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46.343 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;270 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,58 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;48.872 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;485 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,99 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;52.748 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;325 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,62 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;678.893&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;29.831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4,39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;704.471&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;29.296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4,16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;735.645&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;27.708&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3,77&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The average borrowing cost in the years ended December 31, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2018, 2017 and 2016 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:477pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:477pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Liabilities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:119,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Deposits from central banks and credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;65.044 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.192 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,37 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;90.619 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.212 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;101.975 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.866 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,83 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;370.078 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.559 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,77 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;392.057 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.007 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,79 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;398.851 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.944 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,49 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;  Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;178.370 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;337 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,19 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;186.261 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;461 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,25 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;195.310 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;766 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,39 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;  Foreign currency&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;191.709 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.222 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,25 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;205.796 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.546 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,18 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;203.541 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.178 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,54 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;75.927 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.753 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,31 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;84.221 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.631 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,94 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;89.876 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.738 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,93 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;115.638 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.735 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,50 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;82.699 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;687 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,83 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;89.328 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.101 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,23 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;52.206 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54.874 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;55.616 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;678.893&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;12.239&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1,80&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;704.471&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;11.537&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1,64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;735.645&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;10.648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1,45&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The change in the balance under the headings &amp;#8220;Interest income and other income&amp;#8221; and &amp;#8220;Interest expense&amp;#8221; in the accompanying consolidated income statements is the result of exchange rate effect,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; changing prices (price effect) and changing volume of activity (volume effect), as can be seen below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest Income and Expenses : Change in the Balance (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:150,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018 / 2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:150,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017 / 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Volume Effect (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Price &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Effect  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total Effect&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Volume Effect (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Price &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Effect  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total Effect&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash and balances with central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;71 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;74 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities portfolio and derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;916 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;983 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(632)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;285 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' 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style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(267)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;199 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(68)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(94)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' 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style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;535 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td 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style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(448)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(101)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.164 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.063 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(104)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(124)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(269)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(305)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; Foreign currencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(448)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;124 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(324)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.311 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.368 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities issued&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(161)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;282 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(106)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;274 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;774 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.048 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(332)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(414)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Interest expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;702 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;889 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Net Interest Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(167)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;699 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he volume effect is calculated as the result of the interest rate of the initial period multiplied by the difference &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;between the average balances of both periods.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory>
  <bbva:Interestincomebreakdownbyorigin id="ID_128" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest income and other income. Breakdown by Origin (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;482&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;406&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;458&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;410&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;217&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.699&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.395&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.128&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.263&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other portfolios&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.546&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.114&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Adjustments of income as a result of hedging transactions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(201)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(385)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Cash flow hedges (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Fair value hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(198)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;412&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(397)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance activity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.058&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.219&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;722&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;487&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;692&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;55.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29.831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29.296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;27.708&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Financial assets at fair value through other comprehensive income &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.306&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.962&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;24.668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;23.803&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;24.578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.856&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3.531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3.130&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Interestincomebreakdownbyorigin>
  <bbva:Interestexpensesbreakdownbyorigin id="ID_129" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest Expenses. Breakdown by Origin (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;80&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.367&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customers deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.523&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.814&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.766&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.936&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.930&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.323&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Adjustments of expenses as a result of hedging transactions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(323)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;665&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(574)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Cash flow hedges (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Fair value hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(368)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;627&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(616)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cost attributable to pension funds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance activity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;682&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;846&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.274&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;316&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;634&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;12.239&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;11.537&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10.648&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Interestexpensesbreakdownbyorigin>
  <bbva:Averagereturnoninvestmentsandaverageborrowingcostassets id="ID_130" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:477pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:477pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:39pt;' &gt;&lt;td style='width:119,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Cash and balances with central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42.730 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;135 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,32 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33.917 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;83 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,25 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26.209 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,04 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Securities portfolio and derivatives &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;179.672 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.707 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,18 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;177.164 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4.724 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,67 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;202.388 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.072 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,51 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.518 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;258 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,67 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10.945 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;258 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,36 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15.326 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;229 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,50 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25.634 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;657 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,56 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26.420 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;485 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,83 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28.078 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;218 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,78 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;378.996 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22.804 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,02 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;407.153 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23.261 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5,71 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;410.895 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21.853 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5,32 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;181.668 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.381 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,86 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;196.893 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.449 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,75 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;201.967 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.750 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,86 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Foreign currency&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;197.328 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19.423 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,84 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;210.261 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19.812 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,42 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;208.928 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;18.104 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,67 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46.343 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;270 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,58 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;48.872 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;485 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,99 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;52.748 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;325 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,62 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;678.893&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;29.831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4,39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;704.471&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;29.296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4,16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;735.645&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;27.708&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3,77&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Averagereturnoninvestmentsandaverageborrowingcostassets>
  <bbva:Averagereturnoninvestmentsandaverageborrowingcostliabilities id="ID_131" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:477pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:477pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Liabilities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:119,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Interest expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average Interest Rates (%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Deposits from central banks and credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;65.044 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.192 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,37 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;90.619 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.212 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;101.975 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.866 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,83 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;370.078 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.559 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,77 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;392.057 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7.007 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,79 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;398.851 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.944 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,49 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;  Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;178.370 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;337 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,19 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;186.261 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;461 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,25 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;195.310 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;766 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,39 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;  Foreign currency&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;191.709 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.222 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,25 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;205.796 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6.546 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,18 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;203.541 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.178 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,54 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;75.927 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.753 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,31 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;84.221 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.631 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,94 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;89.876 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.738 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,93 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;115.638 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.735 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,50 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;82.699 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;687 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,83 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;89.328 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.101 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,23 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;52.206 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54.874 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;55.616 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:119,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;678.893&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;12.239&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1,80&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;704.471&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;11.537&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1,64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;735.645&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;10.648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:39,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1,45&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Averagereturnoninvestmentsandaverageborrowingcostliabilities>
  <bbva:Interestincomeandexpenseschangeinthebalance id="ID_132" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest Income and Expenses : Change in the Balance (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:150,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018 / 2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:150,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017 / 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Volume Effect (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Price &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Effect  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total Effect&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Volume Effect (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Price &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Effect  (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total Effect&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash and balances with central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;71 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;74 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities portfolio and derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;916 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;983 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(632)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;285 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(347)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font 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style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(104)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(124)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(269)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(305)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; Foreign currencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(448)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;124 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(324)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.311 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.368 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities issued&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(161)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;282 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(106)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;274 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;774 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.048 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(332)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(414)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Interest expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;702 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;889 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Net Interest Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(167)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;699 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he volume effect is calculated as the result of the interest rate of the initial period multiplied by the difference &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;between the average balances of both periods.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Interestincomeandexpenseschangeinthebalance>
  <ifrs-full:DisclosureOfDividendsExplanatory id="ID_133" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;38.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Dividend income&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The balances for this heading in the accompanying consolidated income statements correspond to dividends on shares and equity instruments other than those from shares in entities accounted for using the equity method (see &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Note 3&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;9&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;), as can be seen in the breakdown below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,45pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:481,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividend Income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,25pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividends from:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Financial assets held for trading and financial assets at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:333pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;307&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;334&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;467&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDividendsExplanatory>
  <bbva:Tableofdividendincomeexplanatory id="ID_134" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,45pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:481,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividend Income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23,25pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividends from:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Financial assets held for trading and financial assets at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:333pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;307&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;334&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;467&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofdividendincomeexplanatory>
  <bbva:DisclosureFeeAndCommissionIncomeExplanatory id="ID_135" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:480,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fee and Commission Income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Bills receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Demand accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;451&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;469&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit and debit cards&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.900&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.834&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.679&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Checks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;207&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers and other payment orders&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;605&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance product commissions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;178&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitment fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;231&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Contingent risks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;390&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;396&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;406&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Asset Management&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;923&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;839&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;385&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Custody securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other fees and commissions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;689&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;700&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;701&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureFeeAndCommissionIncomeExplanatory>
  <ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory id="ID_136" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;39.  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Share of profit or loss of entities accounted for using the equity method&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Net income from &amp;#8220;Investments in Entities Accounted for Using the Equity Method&amp;#8221; resulted in a negative &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impact of &amp;#8364;7 million as of December 31, 2018, compared with the positive impact of &amp;#8364;4  and &amp;#8364;25 million recorded as of December 31, 2017 and 2016, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory>
  <bbva:DisclosureFeeAndCommissionExpenseExplanatory id="ID_137" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fee and Commission Expense (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit and debit cards&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.458&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.334&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers and other payment orders&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commissions for selling insurance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other fees and commissions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;610&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;587&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.086&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureFeeAndCommissionExpenseExplanatory>
  <ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory id="ID_138" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;40.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Fee and commission income and expense&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under these heading in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:480,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fee and Commission Income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Bills receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Demand accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;451&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;469&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit and debit cards&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.900&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.834&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.679&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Checks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;207&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers and other payment orders&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;605&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance product commissions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;178&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitment fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;231&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Contingent risks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;390&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;396&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;406&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Asset Management&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;923&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;839&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;385&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Custody securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other fees and commissions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;689&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;700&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;701&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdow&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of fee and commission expense under these heading in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fee and Commission Expense (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit and debit cards&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.458&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.334&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers and other payment orders&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commissions for selling insurance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other fees and commissions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;610&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;587&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.086&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory>
  <bbva:Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbyheadingotheconsolidatedincomestatements id="ID_139" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:14,25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:503,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:503,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) on financial assets and liabilities and exchange differences: Breakdown by Heading of the Consolidated Income Statements (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;985&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.375&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other financial assets and liabilities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;852&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.281&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains or losses on financial assets and liabilities held for trading, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;707&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;218&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other gains or (-) losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;707&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other gains or (-) losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains or losses on financial assets and liabilities designated at fair value through profit or loss, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;143&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(56)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains or losses from hedge accounting, net &lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(209)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(76)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal Gains or (losses) on financial assets and liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;938&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.661&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange Differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.030&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;472&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.968&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.133&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbyheadingotheconsolidatedincomestatements>
  <bbva:Disclosureofgainsorlossesonfinancialassetsandliabilitiesandexchangedifferenecesexplanatory id="ID_140" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;41.  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Gains (losses) on financial assets and liabilities, net and Exchange differences&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading, by source of the related items, in the accompanying consolidated income statement is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:14,25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:503,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:503,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) on financial assets and liabilities and exchange differences: Breakdown by Heading of the Consolidated Income Statements (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:28,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;985&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.375&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other financial assets and liabilities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;852&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.281&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains or losses on financial assets and liabilities held for trading, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;707&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;218&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other gains or (-) losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;707&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21,75pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other gains or (-) losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;background-color:#C0C0C0;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains or losses on financial assets and liabilities designated at fair value through profit or loss, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;143&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(56)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains or losses from hedge accounting, net &lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(209)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(76)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal Gains or (losses) on financial assets and liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;938&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.661&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange Differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.030&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;472&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.968&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:57pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.133&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance (excluding exchange rate differences) under this heading in the accompanying income statements by the nature of financial instruments is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) on financial assets and liabilities: Breakdown by nature of the Financial Instrument (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;906&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(253)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;845&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;459&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(172)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Trading derivatives and hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;927&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(470)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(96)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.233&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;938&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.661&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance of the impact of the de&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rivatives (trading and hedging) under this heading in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives - Hedge accounting (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest rate agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;431&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(139)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commodity agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit derivative agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(564)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(118)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Foreign-exchange agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;186&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(137)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(371)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;856&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(261)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;185&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Hedging Derivatives Ineffectiveness&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fair value hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(177)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(76)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Hedging derivative&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(150)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(236)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(330)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Hedged item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;254&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash flow hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(209)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(76)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;927&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(470)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, in the years ended December 31, 2018, 2017 and 2016, under the heading &amp;#8220;Gains or losses on financial&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; assets and liabilities held for trading, net&amp;#8221; of the consolidated income statement, net amounts of negative &amp;#8364;113 million, positive &amp;#8364;235 million and positive &amp;#8364;151 million, respectively, were recognized for transactions with foreign exchange trading derivat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ives.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofgainsorlossesonfinancialassetsandliabilitiesandexchangedifferenecesexplanatory>
  <bbva:Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbynatureofthefinancialinstrument id="ID_141" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) on financial assets and liabilities: Breakdown by nature of the Financial Instrument (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;906&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(253)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;845&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;459&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(172)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Trading derivatives and hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;927&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(470)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(96)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.233&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;938&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.661&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbynatureofthefinancialinstrument>
  <bbva:Derivativeshedgeaccountingincome id="ID_142" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives - Hedge accounting (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest rate agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;431&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(139)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commodity agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit derivative agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(564)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(118)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Foreign-exchange agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;186&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(137)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(371)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;856&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(261)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;185&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Hedging Derivatives Ineffectiveness&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fair value hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(177)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(76)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Hedging derivative&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(150)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(236)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(330)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Hedged item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;254&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash flow hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(209)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(76)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;927&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(470)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Derivativeshedgeaccountingincome>
  <ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory id="ID_143" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;42.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Other operating income and expense&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under the heading &amp;#8220;Other operating income&amp;#8221; in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,6pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other operating income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:42,75pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains from sales of non-financial services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;458&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;882&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: Real estate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;283&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;884&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;588&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;491&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;390&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:333pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: net profit from building leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;949&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.439&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.272&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;heading &amp;#8220;Other operating expense&amp;#8221; in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other operating expense (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Change in inventories&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;292&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;886&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;617&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of Which: Real estate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;816&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;511&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.808&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.337&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.511&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.101&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.128&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory>
  <bbva:OtherOperatingIncomeExplanatory id="ID_144" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,6pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other operating income (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:42,75pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains from sales of non-financial services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;458&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;882&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: Real estate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;283&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;884&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;588&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;491&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;390&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,6pt;' &gt;&lt;td style='width:333pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: net profit from building leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;949&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.439&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.272&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:OtherOperatingIncomeExplanatory>
  <bbva:OtherOperatingExpenseExplanatory id="ID_145" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other operating expense (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Change in inventories&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;292&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;886&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;617&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of Which: Real estate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;816&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;511&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.808&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.337&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.511&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.101&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.128&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:OtherOperatingExpenseExplanatory>
  <bbva:DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory id="ID_146" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;43. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Income and expense from insurance and reinsurance contracts&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The detail of the headings &amp;#8220;Income and expense from insurance and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; reinsurance contracts&amp;#8221; in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other operating income and expense on insurance and reinsurance contracts (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income on insurance and reinsurance contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.949&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.342&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Expenses on insurance and reinsurance contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.894)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2.272)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2.545)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.055&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.069&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.107&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The table below shows the contribution of each insurance product to the Group&amp;#180;s income for the years ended December 31, 2018, 2017 and 20&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;16:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income by type of insurance product (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Life insurance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;682&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;604&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;634&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Individual&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;486&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;346&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;268&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Savings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;430&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;308&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;238&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Group insurance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;258&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;366&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Savings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;263&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;357&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-Life insurance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;373&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;464&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;474&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Home insurance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;131&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other non-life insurance products&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;263&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;346&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;342&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.055&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.069&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.107&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory>
  <bbva:Tableofinsuranceandreinsurancecontractsincomeandexpensesexplanatory id="ID_147" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other operating income and expense on insurance and reinsurance contracts (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income on insurance and reinsurance contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.949&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.342&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Expenses on insurance and reinsurance contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.894)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2.272)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2.545)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.055&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.069&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.107&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofinsuranceandreinsurancecontractsincomeandexpensesexplanatory>
  <bbva:Incomebytypeofinsuranceproduct id="ID_148" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income by type of insurance product (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Life insurance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;682&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;604&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;634&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Individual&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;486&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;346&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;268&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Savings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;430&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;308&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;238&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Group insurance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;258&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;366&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Savings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;263&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;357&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-Life insurance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;373&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;464&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;474&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Home insurance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;131&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other non-life insurance products&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;263&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;346&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;342&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.055&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.069&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.107&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Incomebytypeofinsuranceproduct>
  <bbva:Personnelexpensesexplanatory id="ID_149" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;44.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Administration costs&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;44.1 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Personnel expenses&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the average &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;number of employees in the BBVA Group in the year ended December 31, 2018, 2017 and 2016 by professional categories and geographical areas is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Personnel Expenses (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wages and salaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.786&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Social security costs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;722&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;761&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;784&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Defined contribution plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Defined benefit plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other personnel expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;497&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;516&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.571&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.722&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,45pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Average Number of Employees&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Spanish banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Management Team&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.047 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.026 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.044 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other line personnel&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.840 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.180 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.211 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Clerical staff&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.818 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.060 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.730 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Branches abroad&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;589 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;603 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;718 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26.294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26.869&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28.703&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Companies abroad&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.655 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30.664 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30.378 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.786 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.532 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.710 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.322 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.154 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.900 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Venezuela&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.631 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.379 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.097 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Argentina&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.074 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.173 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.041 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.185 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.374 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.714 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Peru&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.879 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.571 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.455 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.767 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.501 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.037 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;88.299&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;90.348&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;91.332&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Pension fund managers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;395 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;362 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;335 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other non-banking companies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.349 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.925 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;16.307 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;129.336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;132.504&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;136.677&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;  Men&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;59.547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;60.730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;62.738&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt; Women&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;69.790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;71.774&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;73.939&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt; BBVA, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;26.294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;26.869&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;25.979&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the number of employees in the BBVA Group as of December 31, 2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;018, 2017 and 2016 by category and gender is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Number of Employees at the period end. Professional Category and Gender&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Male&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Female&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Male&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Female&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Male&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Female&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Management Team&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.197&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.244&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;342&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.331&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;350&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other line personnel&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37.461&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.918&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.670&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.514&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.213&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Clerical staff&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20.639&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.770&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.066&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33.318&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;57.973&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;67.654&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;60.553&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;71.303&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;61.911&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;72.881&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:2pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;margin-left:0pt;color:#1F4D78;' &gt;44.1.1 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;color:#1F4D78;' &gt;Share-based employee remuneration&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amounts recognized under the heading &amp;#8220;Administration costs - Personnel expenses - Other personnel expenses&amp;#8221; in the consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;income statements for the year ended December 31, 2018, 2017 and 2016, corresponding  to the remuneration plans based on equity instruments in each year, amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;29&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;38&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;57&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million, respectively. These amounts have been recognized&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; with a corresponding entry under the heading &amp;#8220;Shareholders&amp;#8217; funds - Other equity instruments&amp;#8221; in the accompanying consolidated balance sheets, net of tax effect.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The characteristics of the Group&amp;#39;s remuneration plans based on equity instruments are describ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed below.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA5;' &gt;System of Variable Remuneration in Shares &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In BBVA, the annual variable remuneration applying generally to all employees consists of one incentive, to be paid in cash, awarded once a year and linked to the achievement of predetermined objectives &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;and to a sound risk management (hereinafter, the &amp;#8220;Annual Variable Remuneration&amp;#8221;).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;According to the remuneration policy for BBVA Group, in force since 2017, the specific settlement and payment system for the Annual Variable Remuneration applicable to those &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;employees and senior managers whose professional activities have a significant impact on the Group&amp;#8217;s risk profile including the executive directors and members of BBVA Senior Management (hereinafter, the &amp;quot;Identified Staff&amp;quot;), which includes, among others, t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he payment in shares of part of their Annual Variable Remuneration. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This remuneration policy was approved, with respect to BBVA directors, by the Board of Directors held on February 9, 2017, and by the Annual General Shareholders&amp;#8217; Meeting held on March 17&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, 2017.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This remuneration policy includes a specific settlement and payment system of the Annual Variable Remuneration applicable to the Identified Staff, including directors and senior management, under the following rules, among others: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A significant pe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rcentage of variable remuneration &amp;#8211; 60% in the case of executive directors, Senior Management and those Identified Staff members with particularly high variable remuneration, and 40% for the rest of the Identified Staff&amp;#8211; shall be deferred over a five-year &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;period, in the case of executive directors and Senior Management, and over a three-year period, for the remaining Identified Staff.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;50% of the variable remuneration of each year (including both upfront and deferred portions), shall be established in BBVA s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;hares, albeit a larger proportion (60%) in shares shall be deferred in the case of executive directors and Senior Management.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The variable remuneration will be subject to ex ante adjustments, so that it will not be accrued, or will be accrued in a reduced &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;amount, should a certain level of profit or capital ratio not be obtained. Likewise, the Annual Variable Remuneration will be reduced upon performance assessment in the event of negative evolution of the Bank&amp;#8217;s results or other parameters such as the level&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; of a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;chievement of budgeted targets.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The deferred component of the variable remuneration (in shares and in cash) may be reduced in its entirety, yet not increased, based on the result of multi-year performance indicators aligned with the Bank&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;fundamental risk management and control metrics, related to the solvency, capital, liquidity, funding or profitability, or to the share performance and recurring results of the Group. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;During the entire deferral period (5 or 3 years, as applicable) and ret&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ention period, variable remuneration shall be subject to malus and clawback arrangements, both linked to a downturn in financial performance of the Bank, specific unit or area, or individual, under certain circumstances. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;All shares shall be withheld for a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; period of one year after delivery, except for those shares required to honor the payment of taxes.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;No personal hedging strategies or insurance may be used in connection with remuneration and responsibility that may undermine the effects of alignment with &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;sound risk management. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The deferred amounts in cash subject to multi-year performance indicators that are finally paid shall be subject to updating, in the terms determined by the Bank&amp;#8217;s Board of Directors, upon proposal of the Remunerations Committee, wh&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ereas deferred amounts in shares shall not be updated.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Finally, the variable component of the remuneration of the Identified Staff members shall be limited to a maximum amount of 100% of the fixed component of total remuneration, unless the General Meeting&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; resolves to increase this percentage up to 200%.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In this regard, the General Meeting held on March 16, 2018 resolved to increase the maximum level of variable remuneration to 200% of the fixed component for a number of the Identified Staff, in the terms i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ndicated in the Report of Recommendations issued for this purpose by the Board of Directors dated February 12, 2018.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with the new remuneration policy applicable to the Identified Staff, malus and clawback arrangements will be applicable to the Annual Variable Remuneration awarded as of the year 2016, inclusive, for each member of the Identified Staff.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Accor&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ding to the settlement and payment scheme indicated, during 2018, members of the Identified Staff received a total amount of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;3,932,268&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; shares corresponding to the initial payment corresponding to 2017 Annual Variable Remuneration to be delivered in shares.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, the remuneration policy prevailing until 2014 provided for a specific settlement and payment scheme for the variable remuneration of the Identified Staff that established a three-year deferral period for the Annual Variable Remuneration, bei&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng the deferred amount paid in thirds over this period in equal parts, in cash and in BBVA shares.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;According to this prior scheme, during 2018, the members of the Identified Staff received the shares corresponding to the deferred parts of the Annual Variab&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;le Remuneration from previous years, and their corresponding adjustments in cash, delivery of which corresponded in 2018, were delivered to the beneficiary members of the Identified Staff, resulting in a total amount of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;941,366&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;  shares corresponding to the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; last deferred third of the 2014 Annual Variable Remuneration and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;903,711&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; as adjustments for updates of the shares granted.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The information on the delivery of shares to executive Directors and senior management corresponding to the deferred parts of the A&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nnual Variable Remuneration from previous years and their corresponding adjustments in cash, are detailed in Note 54.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, in line with specific regulation applicable in Portugal and Brazil, BBVA identifies those employees that, according to local&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; regulators, should be subject to a specific settlement and payment scheme of the Annual Variable Remuneration. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;According to this regulation, during 2018 a number of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;39,555&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; shares corresponding to the initial payment of 2017 Annual Variable Remuneration w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ere delivered to these beneficiaries. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, during 2018 the shares corresponding to the deferred parts of the Annual Variable Remuneration and their corresponding adjustments in cash, were delivered to these beneficiaries, giving rise in 2018, of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;a total of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;12,120&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; shares corresponding to the first deferred third of the 2016 Annual Variable Remuneration, and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2,679&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; as adjustments for updates of the shares granted; a total of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;10,485&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; shares corresponding to the second third of the 2015 Annual Variable&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; Remuneration, and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;6,186&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; as adjustments for updates of the shares granted; and a total of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;7,158&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; shares corresponding to the final third of the 2014 Annual Variable Remuneration, and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;6,872&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; as adjustments for updates of the shares granted.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;44.2  Other administrative expenses&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Administrative Expenses (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Technology and systems&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;692&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;673&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Communications &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;235&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;294&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Advertising&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;352&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;398&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Property, fixtures and materials&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;982&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.033&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.080&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: Rent expenses (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;616&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Taxes other than income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.271&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.766&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.374&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.541&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.644&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  The consolidated companies do not expect to terminate the lease contracts &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;early.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Personnelexpensesexplanatory>
  <bbva:Personnelexpensesbreakdownexplanatory id="ID_150" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Personnel Expenses (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wages and salaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.786&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Social security costs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;722&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;761&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;784&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Defined contribution plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Defined benefit plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other personnel expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;497&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;516&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.571&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.722&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Personnelexpensesbreakdownexplanatory>
  <bbva:Averagenumberofemployeesbygeographicalareaexplanatory id="ID_151" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,45pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Average Number of Employees&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Spanish banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Management Team&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.047 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.026 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.044 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other line personnel&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.840 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.180 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.211 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Clerical staff&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.818 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.060 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.730 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Branches abroad&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;589 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;603 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;718 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26.294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26.869&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28.703&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Companies abroad&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.655 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30.664 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30.378 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.786 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.532 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.710 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.322 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.154 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.900 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Venezuela&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.631 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.379 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.097 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Argentina&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.074 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.173 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.041 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.185 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.374 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.714 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Peru&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.879 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.571 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.455 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.767 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.501 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.037 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;88.299&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;90.348&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;91.332&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Pension fund managers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;395 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;362 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;335 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other non-banking companies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.349 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.925 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;16.307 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;129.336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;132.504&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;136.677&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;  Men&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;59.547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;60.730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;62.738&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt; Women&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;69.790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;71.774&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;73.939&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt; BBVA, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;26.294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;26.869&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;25.979&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Averagenumberofemployeesbygeographicalareaexplanatory>
  <bbva:Numberofemplyeesattheperiodendprofessionalcategoryandgender id="ID_152" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Number of Employees at the period end. Professional Category and Gender&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Male&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Female&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Male&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Female&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Male&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Female&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Management Team&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.197&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.244&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;342&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.331&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;350&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other line personnel&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37.461&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.918&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.670&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.514&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.213&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Clerical staff&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20.639&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31.770&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.066&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33.318&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;57.973&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;67.654&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;60.553&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;71.303&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;61.911&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;72.881&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Numberofemplyeesattheperiodendprofessionalcategoryandgender>
  <ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory id="ID_153" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;45.   Depreciation&lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt; and Amortization&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Depreciation and amortization (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;594&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;For own use&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;589&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;667&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Investment properties&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Intangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;613&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;735&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.387&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.426&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory>
  <bbva:Otheradministrativeexpensesexplanatory id="ID_154" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Administrative Expenses (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Technology and systems&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;692&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;673&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Communications &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;235&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;294&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Advertising&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;352&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;398&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Property, fixtures and materials&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;982&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.033&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.080&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: Rent expenses (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;616&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Taxes other than income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.271&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.766&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.374&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.541&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.644&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  The consolidated companies do not expect to terminate the lease contracts &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;early.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Otheradministrativeexpensesexplanatory>
  <bbva:Tableofdepreciationandamortisationexpenseexplanatory id="ID_155" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Depreciation and amortization (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;594&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;For own use&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;589&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;667&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Investment properties&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Intangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;613&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;735&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.387&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.426&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofdepreciationandamortisationexpenseexplanatory>
  <ifrs-full:DisclosureOfProvisionsExplanatory id="ID_156" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;46.   Provisions or (reversal) of provisions&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the years ended Decembe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;r 31, 2018, 2017 and 2016 the net provisions recognized in this income statement line item were as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions or (reversal) of provisions (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pensions and other post employment defined benefit obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;332&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitments and guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(313)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pending legal issues and tax litigation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;318&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Provisions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;722&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;373&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;745&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.186&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfProvisionsExplanatory>
  <bbva:Tableofprovisionsexplanatory id="ID_157" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions or (reversal) of provisions (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pensions and other post employment defined benefit obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;332&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Commitments and guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(313)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pending legal issues and tax litigation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;318&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Provisions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;722&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;373&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;745&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.186&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofprovisionsexplanatory>
  <bbva:Disclosureofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory id="ID_158" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;47.   Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;breakdown of Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss by the nature of those assets in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.127&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;202&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.131&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.980&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.677&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.597&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: Recovery of written-off assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;589&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;558&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;541&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Held to maturity investments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.981&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.803&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.801&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory>
  <bbva:Tableofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory id="ID_159" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:20,45pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.127&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;202&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.131&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.980&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.677&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.597&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: Recovery of written-off assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.3.5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;589&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;558&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;541&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Held to maturity investments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.981&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.803&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.801&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory>
  <bbva:Disclosureofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory id="ID_160" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;48.  Impairmen&lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;t or (reversal) of impairment on non-financial assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The impairment losses on non-financial assets broken down by the nature of those assets in the accompanying consolidated income statements are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment or (reversal) of impairment on non-financial assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;143&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Intangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Others   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;306&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;375&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory>
  <bbva:Disclosuregainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory id="ID_161" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;49.   Gains (losses)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt; on derecognition of non - financial assets and subsidiaries, net&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) on derecognition of non-financial assets and subsidiaries, net (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of investments in non-consolidated subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of tangible assets and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;81&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Losses:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of investments in non-consolidated subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(58)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of tangible assets and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(45)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosuregainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory>
  <bbva:Tableofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory id="ID_162" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment or (reversal) of impairment on non-financial assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;143&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Intangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Others   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;306&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;375&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory>
  <bbva:Disclosureofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory id="ID_163" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;50.  Profit (loss) from non-current assets and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;disposal groups classified as held for sale not qualifying as discontinued operations&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The main items included in the balance under this heading in the accompanying consolidated income statements are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:31,5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Profit (loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains on sale of real estate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment of non-current assets held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(208)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(158)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(136)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains on sale of investments classified as non-current assets held for sale (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  The change is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;mainly as a result of the sale of the BBVA stake in BBVA Chile (see Note 3).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory>
  <bbva:Tableofgainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory id="ID_164" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) on derecognition of non-financial assets and subsidiaries, net (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of investments in non-consolidated subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of tangible assets and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;81&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Losses:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of investments in non-consolidated subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(58)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposal of tangible assets and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(45)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofgainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory>
  <ifrs-full:DisclosureOfCashFlowStatementExplanatory id="ID_165" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;5&lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;1.   Consolidated statements of cash flows&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the consolidated statements of cash flows, the balance of &amp;#8220;Cash equivalent in central banks&amp;#8221; includes short-term deposits at centra&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;l banks under the heading &amp;quot;Financial assets at amortized cost&amp;quot; in the accompanying consolidated balance sheets and does not include demand deposits with credit institutions recorded in the heading &amp;quot;Cash, balances in cash at Central Bank and other demand de&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;posits&amp;quot;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Cash flows from operating activities increased in the year ended December 31, 2018 by &amp;#8364;6,609 million (compared with a decrease of &amp;#8364;4,568 million in December 31, 2017), mainly due to the change in &amp;#8220;Financial assets held for trading&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Cash flows fro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;m investing activities increased in the year ended December 31, 2018 by &amp;#8364;4,614 million (compared with an increase of &amp;#8364;3,462 million in December 31, 2017), mainly due to the change in &amp;#8220;Joint Ventures and Associates&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Cash flows from financing activities dec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;reased in the year ended December 31, 2018 by &amp;#8364;4,994 million (compared with an increase of &amp;#8364;1,015 million in December 31, 2017), mainly due to the change in &amp;#8220;Subordinated Liabilities&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The variation between 2018 and 2017 of the financial liabilities from f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;inancing activities is the following:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:16,5pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Liabilities from financing activities (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 31, 2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Cash flows &lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:201pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:201pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-cash changes&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 31, 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Acquisition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Disposal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Foreign exchange movement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value changes&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;50.635 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(1.621)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(1.900)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(779)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46.335 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Subordinated debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;17.443 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;857 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(694)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;29 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.635 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Short-term debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;10.013 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;931 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;81 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.025 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;8.891 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;1.574 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(643)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(1.328)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.495 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;86.982&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.741&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(3.237)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(1.997)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;83.490&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:16,5pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Liabilities from financing activities (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 31, 2016&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Cash flows &lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:201pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:201pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-cash changes&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 31, 2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Acquisition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Disposal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Foreign exchange movement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value changes&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;59.388 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(5.958)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(2.796)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;50.635 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,6pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Subordinated debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;16.987 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;1.679 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(1.223)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;17.443 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Short-term debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;11.556 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(1.319)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(224)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;10.013 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;10.179 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(378)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(910)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;8.891 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#004481;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;98.111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(5.976)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(5.153)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;86.982&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfCashFlowStatementExplanatory>
  <bbva:Tableofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory id="ID_166" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:31,5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Profit (loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains on sale of real estate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment of non-current assets held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(208)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(158)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(136)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains on sale of investments classified as non-current assets held for sale (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  The change is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;mainly as a result of the sale of the BBVA stake in BBVA Chile (see Note 3).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Tableofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory>
  <ifrs-full:DisclosureOfAuditorsRemunerationExplanatory id="ID_167" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;52.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Accountant fees and services&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The details of the fees for the services contracted by entities of the BBVA Group for the years ended December 31, 2018 and 2017 with their respective auditors and other audit entities are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fees for Audits Conducted and Other Related Services (Millions of euros) (**)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21,75pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Audits of the companies audited by firms belonging to the KPMG worldwide organization and other reports related with the audit (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27,2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other reports required pursuant to applicable legislation and tax regulations issued by the national supervisory bodies of the countries in which the Group operates, reviewed by firms belonging to the KPMG worldwide organization&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fees for audits conducted by other firms&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Including fees pertaining to annual legal audits (&amp;#8364;22.4 and 22.6 million as of December 31, 2018 and December 31, 2017, respectively).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Regardless of the billed period.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the year ended December 31, 2018, other entities in the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; BBVA Group contracted other services (other than audits) as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Services rendered (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21,75pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Firms belonging to the KPMG worldwide organization&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This total of contracted services includes the detail of the services provided by KPMG Auditores, S.L. to BBVA, S.A. or its controlled companies at the date of pre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;paration of these consolidated financial statements as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fees for Audits Conducted (*) (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Legal audit of BBVA,S.A. or its companies under control&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other audit services of BBVA, S.A. or its companies under control&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,0&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Limited Review of BBVA, S.A. or its companies under control&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reports related to issuances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Assurance jobs and other required by the regulator&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Services provided by KPMG Auditores, S.L. to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; companies located in Spain, to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; the branch&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; of BBVA in New York and to the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;branch of BBVA in London.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The services &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;provided by the auditors meet the independence requirements of the external auditor established under Audit of Accounts Law (Law 22/2015) and under the Sarbanes-Oxley Act of 2002 adopted by the Securities and Exchange Commission (SEC).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfAuditorsRemunerationExplanatory>
  <bbva:Tableofauditorremunerationexplanatory id="ID_168" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fees for Audits Conducted and Other Related Services (Millions of euros) (**)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21,75pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Audits of the companies audited by firms belonging to the KPMG worldwide organization and other reports related with the audit (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27,2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other reports required pursuant to applicable legislation and tax regulations issued by the national supervisory bodies of the countries in which the Group operates, reviewed by firms belonging to the KPMG worldwide organization&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fees for audits conducted by other firms&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Including fees pertaining to annual legal audits (&amp;#8364;22.4 and 22.6 million as of December 31, 2018 and December 31, 2017, respectively).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Regardless of the billed period.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Services rendered (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21,75pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Firms belonging to the KPMG worldwide organization&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofauditorremunerationexplanatory>
  <bbva:Disclosureofauditorsremunerationforotherservicesexplanatory id="ID_169" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fees for Audits Conducted (*) (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Legal audit of BBVA,S.A. or its companies under control&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other audit services of BBVA, S.A. or its companies under control&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,0&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Limited Review of BBVA, S.A. or its companies under control&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reports related to issuances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:382,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Assurance jobs and other required by the regulator&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:3pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Services provided by KPMG Auditores, S.L. to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; companies located in Spain, to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; the branch&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; of BBVA in New York and to the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;branch of BBVA in London.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofauditorsremunerationforotherservicesexplanatory>
  <bbva:Disclosurebalancesarisingfromtransactionswithentitiesofthegroupexplanatory id="ID_170" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Balances arising from transactions with Entities of the Group (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Assets:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;510&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Liabilities:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;521&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;428&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Contingent commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.358&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.175&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.466&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosurebalancesarisingfromtransactionswithentitiesofthegroupexplanatory>
  <bbva:Disclosurebalanceofincomestatementarisingfromtransactionswithentitiesofthegroupexplanatory id="ID_171" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Balances of Income Statement arising from transactions with Entities of the Group (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Income statement:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial incomes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial costs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fee and Commission Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fee and Commission Expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosurebalanceofincomestatementarisingfromtransactionswithentitiesofthegroupexplanatory>
  <bbva:Disclosureremunerationfornonexecutivedirectorsexplanatory id="ID_172" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Remuneration for non-executive directors (thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Board of Directors&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Executive Committee&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Audit and Compliance Committee&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Risk Committee&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Remunerations Committee  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Appointments Committee &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Technology and  Cybersecurity Committee&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Tom&amp;#225;s Alfaro Drake&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;258&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jos&amp;#233; Miguel Andr&amp;#233;s Torrecillas &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;485&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jaime F&amp;#233;lix Caruana Lacorte (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Bel&amp;#233;n Garijo L&amp;#243;pez&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;328&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Sunir Kumar Kapoor &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Carlos Loring Mart&amp;#237;nez de Irujo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;167&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;445&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Lourdes M&amp;#225;iz Carro&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;284&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jos&amp;#233; Maldonado Ramos&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;167&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;390&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Ana Peralta Moreno (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;143&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Juan Pi Llorens&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;457&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Susana Rodr&amp;#237;guez Vidarte &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;167&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;443&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jan Verplancke (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1,427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;584&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;257&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;239&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3,773&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  D&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;irectors appointed by the General Meeting held on 16 March 2018.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;This includes the remunerations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; paid for membership of the various Board Committees throughout the 2018 financial year.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The composition of these Committees was modified on 27 June 2018.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Remunerations paid in accordance with the date of acceptance of said appointment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;n addition, J&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;os&amp;#233; Antonio Fern&amp;#225;ndez Rivero, who stepped down as director on 16 March 2018, received a total of &amp;#8364;95 thousand in 2018, for his membership of the Board and of a number of Board Committees.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureremunerationfornonexecutivedirectorsexplanatory>
  <bbva:Tableofdividendsexplanatory id="ID_173" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:480,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Dividends Paid (&amp;quot;Dividend Option&amp;quot; not included)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:129,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:129,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:39pt;' &gt;&lt;td style='width:129,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:129,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;% Over Nominal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Euros per Share&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Amount (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;% Over Nominal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Euros per Share&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Amount (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;% Over Nominal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Euros per Share&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Amount (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:129,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:129,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Ordinary shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;51,02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,69%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32,65%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:129,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:129,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total dividends paid in cash &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;51,02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;0,25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;34,69%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;0,17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;32,65%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;0,16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:129,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:129,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Dividends with charge to income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;51,02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,69%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32,65%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofdividendsexplanatory>
  <ifrs-full:DisclosureOfRelatedPartyExplanatory id="ID_174" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;53.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Related-party transactions&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As financial institutions, BBVA and other entities in the Group engage in transactions with related parties in the normal course of their business. All of these transactions are not material and are carried out under &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;normal market conditions.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; As of December 31, 2018, 2017 and 2016, the following are the transactions with related parties:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;53.1  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Transactions with significant shareholders&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, there&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; were no shareholders considered &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;significant (see Note 26).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;53.2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Transactions with BBVA Group entities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The balances of the main aggregates in the accompanying consolidated balance sheets arising from the transactions carried out by the BBVA Group with associates and joint venture entities accounted for using the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; equity method are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Balances arising from transactions with Entities of the Group (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Assets:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;510&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Liabilities:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits from credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;521&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;428&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Contingent commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.358&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.175&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.466&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he balances of the main aggregates in the accompanying consolidated income statements resulting from transactions with associates and joint venture entities that are accounted for under the equity meth&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;od are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Balances of Income Statement arising from transactions with Entities of the Group (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Income statement:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial incomes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial costs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fee and Commission Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fee and Commission Expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;There were no other material effects in the consolidated financial statements arising from dealings with these entities, other than the effects from using the equity method (see Note 2.1) and from the insurance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;policies to cover pension or similar (see Note 25) commitments and the futures transactions arranged by BBVA Group with these entities, associates and joint ventures.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, as part of its normal activity, the BBVA Group has entered into agreements a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nd commitments of various types with shareholders of subsidiaries and associates, which have no material effec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ts on the accompanying consolida&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ted financial statements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;53.3 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Transactions with members of the Board of Directors and Senior Management&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The information on the remuneration of the members of the BBVA Board of Directors and Senior Management is included in Note 54.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;December 31, 2018, the amount availed against the loans granted by the Group&amp;#8217;s entities to the members of the Board of Directors amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;611&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; thousand. As of December 31, 2017 and 2016, there were no loans granted by the Group&amp;#8217;s entities to the members&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of the Board of Directors. The amount availed against the loans granted by the Group&amp;#8217;s entities to the members of Senior Management on those same dates (excluding the executive directors) amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;3,783&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;4,049&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;5,573&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; thousand, respectively.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; December 31, 2018, 2017 and 2016, there were no loans granted to parties related to the members of the Board of Directors. As of December 31, 2018, 2017 and 2016 the amount availed against the loans granted to parties related to members of the Senior Mana&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;gement amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;69&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;85&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;98&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; thousand, respectively.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016 no guarantees had been granted to any member of the Board of Directors.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, the amount availed against guarantees arrange&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d with members of the Senior Management amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;38&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;28&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;28&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; thousand, respectively.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, no commercial loans and guarantees has been granted to parties related to the members of the Bank&amp;#8217;s Board of Directors and the Senior Mana&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;gement. As of December 31, 2017 and 2016 the amount availed against commercial loans and guarantees arranged with parties related to the members of the Bank&amp;#8217;s Board of Directors and the Senior Management totaled &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;8&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; thousand&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;53.4 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Transactions&lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt; with other r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;elated parties&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, 2017 and 2016, the Group did not conduct any transactions with other related parties that are not in the ordinary course of its business, which were not carried out at arm&amp;#39;s-length market conditions and of marginal &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;relevance; whose information is not necessary to give a true picture of the BBVA Group&amp;#8217;s consolidated net equity, net earnings and financial situation.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfRelatedPartyExplanatory>
  <bbva:DisclosureOfProfitattributablebyoperatingsegmentsexplanatory id="ID_175" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Profit Attributable by Operating Segments&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;305&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;736&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;486&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.367&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.170&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.980&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;567&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;823&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;596&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;847&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;757&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Eurasia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal operating segments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.743&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.331&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.235&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Corporate Center&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(419)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.812)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(760)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Profit attributable to parent company&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.324&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other gains (losses) (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;827&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.243&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income tax and/or profit from discontinued operations &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.699&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Operating profit before tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.392&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Profit attributable to non-controlling interests.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:DisclosureOfProfitattributablebyoperatingsegmentsexplanatory>
  <bbva:DisclosureOfInterestincomebreakdownbygeographicalareaexplanatory id="ID_176" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest Income. Breakdown by geographical area (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Domestic &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.952 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.093 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.962 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Foreign&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.879 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.203 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.745 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;European Union&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;509 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;422 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;291 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Eurozone&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;391 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;239 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;291 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;No eurozone&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;117 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;183 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.370 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.781 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.455 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;37.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29.831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29.296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;27.708&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfInterestincomebreakdownbygeographicalareaexplanatory>
  <ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory id="ID_177" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;56.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Subsequent events&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On January 15, 2019, BBVA announced its irrevocable decision to early redeem, on February 19, 2019, the issuance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of preferred securities contingently convertible (additional tier 1 instrument) carried out by the Bank on February &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;19, 2014, for an amount of &amp;#8364;1.5 billion on the First Reset Date of the issuance and once the prior consent from the Regulator was obtained (see Note 22.4). &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Board of Directors, in their meeting on January 31, 2019, agreed on carrying out an issuance of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; bonds convertible into ordinary shares of BBVA with exclusion of pre-emptive subscription rights, under the power delegated by the General Shareholders&amp;#39; Meeting of the Company held on March 17, 2017 under the fifth item on the agenda which is pending to b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e executed.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On February 1, 2019 it was announced that it was foreseen to submit to the consideration of the corresponding government bodies the proposal of cash payment in a gross amount of euro 0.16 per share to be paid in April as final dividend for 2018&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; (see Note 4).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On February 14, 2019, t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he results of the supervisory review and evaluation process (SREP) were announced.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On 19 February, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;BBVA announced &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the irrevocable decision to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;early redeem, on April 11,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the issuance of subordinated bonds (Subordinated Notes) that has been computed as Tier 2 capital for an amount of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;1.5 billion, coin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ciding with the Optional Amortiz&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ation date of said issue, and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;once the prior consent from the Regulator &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;has been&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; obtain&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;From January 1, 2019 to the date of preparation of these Consolidated Financial Statements, no other subsequent events not mentioned above &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in these financial statements have taken place that could significantly affect the Group&amp;#8217;s earnings or&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; its equity position&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory>
  <ifrs-full:DisclosureOfAdditionalInformationExplanatory id="ID_178" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;55. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Other information&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;55.1  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Environmental impact&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Given the activities BBVA Group entities engage in, the Group has no environmental liabilities, expenses, assets, provisions or contingencies that could have a significant effect on its consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;equity, financial situation and profits. Consequently, as of December 31, 2018, there is no item in the Group&amp;#8217;s accompanying consolidated financial statements that requires disclosure in an environmental information report pursuant to Ministry of Justice O&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rder JUS/471/2017, of May 19, and consequently no specific disclosure of information on environmental matters is included in these financial statements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;55.2  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:14pt;font-weight:bold;color:#004580;' &gt;Reporting requirements of the Spanish National Securities Market Commission (CNMV)&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Dividends paid&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt; in the year&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The table below presents the dividends per share paid in cash during 2018, 2017 and 2016 (cash basis dividend, regardless of the year in which they were accrued), but without including other shareholder remuneration, such as the &amp;#8220;Dividend Opti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;on&amp;#8221;. See Notes 4 and 26 for a complete analysis of all remuneration awarded to the shareholders.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:480,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Dividends Paid (&amp;quot;Dividend Option&amp;quot; not included)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:129,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:129,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:39pt;' &gt;&lt;td style='width:129,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:129,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;% Over Nominal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Euros per Share&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Amount (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;% Over Nominal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Euros per Share&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Amount (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;% Over Nominal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Euros per Share&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;Amount (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:129,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:129,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Ordinary shares&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;51,02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,69%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32,65%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:129,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:129,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total dividends paid in cash &lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;51,02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;0,25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;34,69%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;0,17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;32,65%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;0,16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;1.028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:129,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:129,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Dividends with charge to income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;51,02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,69%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32,65%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;0,16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:39pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Ordinary earnings and ordinary income by operating segment&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The detail of the consolidated profit for each operating segment is as &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;follows as of December 31 2018, 2017 and 2016:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Profit Attributable by Operating Segments&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;305&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;736&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;486&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.367&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.170&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.980&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;567&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;823&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;596&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;847&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;757&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Rest of Eurasia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal operating segments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.743&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.331&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#33CCCC;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.235&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Corporate Center&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(419)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.812)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(760)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Profit attributable to parent company&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.324&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.519&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other gains (losses) (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;827&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.243&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income tax and/or profit from discontinued operations &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.699&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Operating profit before tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.392&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Profit attributable to non-controlling interests.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Interest income by geographical area&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The break&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;down of the balance of &amp;#8220;Interest income and other income&amp;#8221; in the accompanying &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;consolidated income statements by geographical area is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Interest Income. Breakdown by geographical area (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Domestic &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.952 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.093 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.962 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Foreign&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.879 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.203 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.745 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;European Union&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;509 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;422 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;291 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Eurozone&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;391 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;239 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;291 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;No eurozone&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;117 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;183 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:281,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;Other countries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.370 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23.781 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.455 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:281,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:281,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;37.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29.831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29.296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;27.708&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfAdditionalInformationExplanatory>
  <ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory id="ID_179" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;54.   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:16pt;font-weight:bold;color:#072146;' &gt;Remuneration and other benefits to the Board of Directors and to the members of the Bank&amp;#8217;s Senior Management&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002060;' &gt;Remuneration received by non-executive directors during the 2018 financial year&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The remunerations paid &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to non-executive members of the Board of Directors during the 2018 financial year are indicated below, individually and itemized:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Remuneration for non-executive directors (thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Board of Directors&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Executive Committee&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Audit and Compliance Committee&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Risk Committee&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Remunerations Committee  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Appointments Committee &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Technology and  Cybersecurity Committee&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Tom&amp;#225;s Alfaro Drake&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;258&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jos&amp;#233; Miguel Andr&amp;#233;s Torrecillas &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;485&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jaime F&amp;#233;lix Caruana Lacorte (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Bel&amp;#233;n Garijo L&amp;#243;pez&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;328&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Sunir Kumar Kapoor &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Carlos Loring Mart&amp;#237;nez de Irujo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;167&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;445&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Lourdes M&amp;#225;iz Carro&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;284&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jos&amp;#233; Maldonado Ramos&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;167&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;390&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Ana Peralta Moreno (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;143&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Juan Pi Llorens&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;457&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Susana Rodr&amp;#237;guez Vidarte &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;167&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;443&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jan Verplancke (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1,427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;584&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;257&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;239&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3,773&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  D&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;irectors appointed by the General Meeting held on 16 March 2018.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;This includes the remunerations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; paid for membership of the various Board Committees throughout the 2018 financial year.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The composition of these Committees was modified on 27 June 2018.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Remunerations paid in accordance with the date of acceptance of said appointment.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(2)  I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;n addition, J&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;os&amp;#233; Antonio Fern&amp;#225;ndez Rivero, who stepped down as director on 16 March 2018, received a total of &amp;#8364;95 thousand in 2018, for his membership of the Board and of a number of Board Committees.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Also, during the 2018 financial year, &amp;#8364;107 thousand has been paid ou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t in casualty and healthcare insurance premiums for non-executive members of the Board of Directors.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002060;' &gt;Remuneration received by executive directors during the 2018 financial year&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Over the course of financial year 2018, the executive directors have received &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the amount of the Annual Fixed Remuneration corresponding to said financial year, established in the Remuneration Policy for BBVA Directors applicable in 2018, which was approved by the General Meeting held on 17 March 2017.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, the executive dire&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ctors have received the Annual Variable Remuneration for 2017 financial year, which, in accordance with the settlement and payment system set out in said Policy, was due to be paid to them during the first quarter of financial year 2018.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In application of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;this settlement and payment system:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;40% of the 2017 Annual Variable Remuneration corresponding to executive directors has been paid, having the conditions been met, in the first quarter of financial year 2018 (hereinafter, the &amp;quot;Upfront Portion&amp;quot;), in equal &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;parts in cash and in shares. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The remaining 60% of the Annual Variable Remuneration, both in cash and in shares, has been deferred in its entirety for a period of five years, and its accrual and payment will be subject to compliance with a series of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;multi-year indicators (hereinafter, the &amp;quot;Deferred Portion&amp;quot;). The application of these indicators, calculated over the first three years of deferral, may lead to a reduction of the Deferred Portion, even in its entirety, but in no event may be increased. Pr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ovided that the relevant conditions have been met, the resulting amount will then be paid (40% in cash and 60% in shares), according to the following schedule: 60% in 2021, 20% in 2022 and the remaining 20% in 2023.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;All the shares delivered to the executiv&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e directors as Annual Variable Remuneration, both of the Upfront Portion and the Deferred Portion will be withheld for a period of one year after their delivery; this will not apply to those shares transferred to honor the payment of taxes arising therefro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;m.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The Deferred Portion of the Annual Variable Remuneration in cash will be subject to updating under the terms established by the Board of Directors.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Executive directors may not use personal hedging strategies or insurance in connection with the remunerat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ion and responsibility that may undermine the effects of alignment with prudent risk management.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The variable component of the remuneration for executive directors corresponding financial year 2017 is limited to a maximum amount of 200% of the fixed compon&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ent of the total remuneration, as agreed by the General Meeting.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Over the entire deferral and withholding period, the entire Annual Variable Remuneration for the executive directors will be subject to reduction and recovery (&amp;quot;malus&amp;quot; and &amp;quot;clawback&amp;quot;) arrange&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ments.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, upon receipt of the shares, executive directors will not be allowed to transfer a number of shares equivalent to twice their Annual Fixed Remuneration (AFR) for at least three years after their delivery.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Similarly, in application of t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he settlement and payment system of the annual variable remuneration for 2014 financial year, in accordance with the remuneration policy applicable at that time, the executive directors have received in 2018 the last third of the deferred annual variable r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;emuneration for 2014 financial year, delivery of which corresponded in 2018, thus concluding payment of the deferred variable remuneration for 2014.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with the above, the remunerations paid to executive directors during financial year 2018 are &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;indicated below, individually and itemized:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Annual Fixed Remuneration (thousands of euro), received in 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:433.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:433.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:433.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:433.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Carlos Torres Vila&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,965&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:433.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:433.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;834&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:433.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:433.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2,799&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Variable remuneration for financial year 2017, received in 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In cash (1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In shares (1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Carlos Torres Vila&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;77,493&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:383.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12,029&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;649&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;89,522&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  Remunerations corresponding to the Upfront Portion (40%) of the Annual Variable Remuneration for financial year 2017, 50% in cash and 50% in shares.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Deferred variable remuneration for financial year 2014, received in 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:382.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:382.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In cash (1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In shares (1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:382.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Carlos Torres Vila&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;105&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11,766&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:382.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:382.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,678&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:382.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:382.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;15,444&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  Remunerations corresponding to the last third of the deferred annual variable remuneration for financial year 2014, 50% in cash and 50% in shares, along with its update in cash.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, the executive directors received remuneration&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in kind throughout financial year 2018, including insurance premiums and others, amounting to a total of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;236&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; thousand, of which &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;154&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; thousand correspond to Carlos Torres Vila and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;82&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; thousand to Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Former Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; Executive Chairman, Francisco Gonz&amp;#225;lez Rodr&amp;#237;guez, who stepped down from this position with effect on 21 December 2018, received, during 2018, &amp;#8364;2,475 thousand as Annual Fixed Remuneration; &amp;#8364;660 thousand and 90,933 BBVA shares corresponding to 40% of the An&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nual Variable Remuneration for financial year 2017; and &amp;#8364;332 thousand and 37,390 BBVA shares as settlement of the last third of the deferred variable remuneration for financial year 2014, payment of which corresponded in first quarter of financial year 201&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;8, including the corresponding update; as well as &amp;#8364;20 thousand as remuneration in kind.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;On the other hand, it is indicated that in 2018, CEO Onur Gen&amp;#231;&amp;#8212;who was appointed by resolution of BBVA&amp;#39;s Board of Directors on 20 December 2018&amp;#8212; has not received any r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;emuneration for said role in 2018, having received fixed and variable remuneration in accordance with his previous position as Chairman and CEO of BBVA Compass, this remuneration being subject to the settlement and payment system applicable to said positio&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n. Thus, over the course of the financial year 2018, he has received &amp;#8364;2,240&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;(*)&lt;/font&gt;&lt;/sup&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; thousand as Annual Fixed Remuneration; &amp;#8364;191&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;(*)&lt;/font&gt;&lt;/sup&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; thousand and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;26,531 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;BBVA&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; ADSs&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; corresponding to 40% of the Annual Variable Remuneration for financial year 2017; and &amp;#8364;376 thousand as remuneration in kind, which includes benefits for his expatriate status in the United States.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;margin-left:0pt;color:#000000;' &gt;(*) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;Amounts paid in US Dollars. Euro details are for info&lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;rmation purposes.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#006EC1;' &gt;Annual Variable Remuneration for executive directors for financial year&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#006EC1;' &gt;2018 &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Following year-end 2018, the Annual Variable Remuneration for executive directors corresponding to said period has been determined, applying the conditions esta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;blished at the beginning of the year, as established in the Remuneration Policy for BBVA Directors approved by the General Meeting on 17 March 2017 with the following settlement and payment system:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The Upfront Portion (40%) of the Annual Variable Remunerat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ion of the executive directors for 2018 will be paid, if conditions are met, in equal parts in cash and shares, during the first quarter of 2019, which amounts to &amp;#8364;479 thousand and 100,436 BBVA shares in the case of Carlos Torres Vila; and &amp;#8364;79 thousand and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; 16,641 BBVA shares in the case of Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The Deferred Po&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rtion (60%) remaining will be deferred for a five-year period, subject to compliance with the multi-year performance indicators determined by the Board of Directors at the start of financial year 2018, calculated over the first three-year deferral period. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Provided that the conditions are met, the resulting amount will vest (40% in cash and 60% in shares), under the following schedule: 60% after the third year of deferral, 20% after the fourth year of deferral and the remaining 20% after the fifth year of de&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ferral. All the above is subject to the settlement and payment system conditions set out in the Remuneration Policy for BBVA Directors, which includes malus and clawback arrangements and retention periods for shares.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;As regards former Group Executive Chair&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;man,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; Francisco Gonz&amp;#225;lez Rodr&amp;#237;guez,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; his Annual Variable Remuneration for 2018 has been determined. This Annual Variable Remuneration for 2018 will be received, provided that conditions are met, in accordance with the same settlement and payment system appli&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;cable to executive directors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; which includes deferral rules, malus and clawback arrangements and retention periods for shares&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Thus,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the Upfront Portion (40%) has been determined in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;: &amp;#8364;528 thousand and 110,814 BBVA shares. Accrual and payment of the Deferred&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; Portion (remaining 60%), 40% in cash and 60% in shares, will be subject to compliance with multi-year performance indicators approved by the Board of Directors. All the above is subject to the conditions of the settlement and payment system established in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the Remuneration Policy for BBVA Directors, which includes malus and clawback arrangements and withholding periods for shares.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;As regards CEO Onur Gen&amp;#231; and as aforementioned, his Annual Variable Remuneration for financial year 2018 is linked to his previo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;us position as Chairman and CEO of BBVA Compass and has been determined in accordance with the settlement and payment system applicable for such position.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Thus, providing that applicable conditions are met, 40% of Annual Variable Remuneration for 2018 will&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; be paid in the first quarter of 2019, amounting to a total of &amp;#8364;196 thousand&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;(*)&lt;/font&gt;&lt;/sup&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; and 41,267 BBVA shares.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Accrual and payment of the remaining 60% of the Annual Variable Remuneration for financial year 2018, 50% in cash and 50% in shares, will be deferred fo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;r a three-year period and will be subject to compliance with multi-year performance indicators set by the Board of Directors for the whole Identified Staff at the beginning of 2018 and measured over the course of the three-year period.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;margin-left:0pt;color:#000000;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;Euro details &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;are for information purposes. Year-end 2018 exchange rate applied: EUR/USD 1,145001.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;At the time of drafting of these consolidated Annual Accounts none of these remunerations have been paid.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amounts corresponding to deferred shares is detailed in the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;section &amp;quot;Remuneration based on Capital/Equity Instruments&amp;quot; and the cash part in &amp;quot;Other Liabilities/Other Accruals&amp;quot; in the consolidated balance sheet at 31 December 2018.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#006EC1;' &gt;Deferred Annual Variable Remuneration of executive directors for financial year&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#006EC1;' &gt;2015&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;F&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ollowing year-end 2018, the deferred Annual Variable Remuneration of executive directors for financial year 2015 has been determined, with&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; delivery, if conditions are met, corresponding during the first quarter of financial year 2019, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;subject to the condit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ions established for this purpose in the Remuneration Policy for BBVA Directors approved by the General Meeting on 13 March 2015. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Thus, based on the result of each of the multi-year performance indicators set by the Board in 2015 to calculate the deferred&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; portion of this remuneration, and in application of the corresponding scales of achievement and their corresponding targets and weightings, likewise approved by the Board, the deferred portion of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Annual Variable Remuneration for financial year 2015 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ha&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;s been adjusted downwards as a consequence of result of the TSR indicator, which scale has determined a 10% reduction in the deferred amount associated to this indicator. The final amount of the deferred portion of the Annual Variable Remuneration for fina&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ncial year 2015, after the corresponding adjustment in light of the result of the TSR indicator, has been determined in an amount of &amp;#8364;612 thousand and 79,157 BBVA shares, in the case of Carlos Torres Vila, and &amp;#8364;113 thousand and 14,667 BBVA shares in the ca&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;se of Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo, which includes the corresponding updating.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;As regards the former Group Executive Chairman, Francisco Gonz&amp;#225;lez Rodr&amp;#237;guez, his deferred Annual Variable Remuneration for financial year 2015 has been determin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ed, to be received, providing that conditions are met, in accordance with the same settlement and payment system applicable to executive directors, amounting to a total of &amp;#8364;1,035 thousand and 133,947 BBVA shares, which includes the corresponding updating.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;At the time of drafting of these consolidated Annual Accounts none of these remunerations have been paid.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Lastly, as at year-end 2018 and in accordance with the conditions established in the remuneration policies applicable in the corresponding years, 50% &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;and 60% of the annual variable remuneration of the executive directors corresponding to 2016 and 2017 financial years, respectively, has been deferred, to be received in future years, if applicable conditions are met, in accordance with the terms establish&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ed in the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;remuneration policy applicable for each of such financial years&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#5B9BD5;' &gt;Remuneration received by the members of Senior Management in the 2018 financial year&lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#5B9BD5;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The members of Senior Management, excluding executive directors, who held that position as at&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;20 December 2018(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; (15 members) have, over the course of the 2018 financial year, received the amount of the fixed remuneration corresponding to that financial year and the Annual Variable Remuneration for the 2017 financial year, which, in accordance wit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;h the settlement and payment system set out in the remuneration policy applicable to Senior Management in this financial year, was due to be paid to them during the first quarter of 2018. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In application of this&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; settlement and payment system:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;40% of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Annual Variable Remuneration due to members of the Senior Management for the 2017 financial year, 40% has been paid, as the conditions have been met, in the first quarter of the 2018 financial year (the &amp;quot;Upfront Portion&amp;quot;), in equal parts in cash and in sha&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;res. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The remaining 60% of the Annual Variable Remuneration, in both cash and shares, has been deferred in its entirety for a period of five years, and its accrual and payment will be subject to compliance with a series of multi-year indicators (the &amp;quot;Defer&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;red Portion&amp;quot;). The application of these indicators, calculated over the first three years of deferral, may lead to a reduction of the Deferred Portion, even in its entirety, but in no event may be increased. Provided that the relevant conditions have been &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;met, the resulting amount will then be paid (40% in cash and 60% in shares), according to the following payment schedule: 60% in 2021, 20% in 2022 and the remaining 20% in 2023.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The shares received as Annual Variable Remuneration will be withheld for a per&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;iod of one year after their delivery, with the exception of those transferred to honor the payment of tax&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es arising from their delivery.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The deferred portion of the Annual Variable Remuneration in cash will be subject to updating under the terms establish&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed by the Board of Directors.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;No personal hedging strategies or insurance may be used in connection with the remuneration and the responsibility that may undermine the effects of alignment with prudent risk management.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The variable component of the remuner&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ation corresponding to the financial year 2017 will be limited to a maximum amount of 200% of the fixed component of the total remuneration, as agreed by the General Meeting.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Over the entire deferral and withholding period, the total Annual Variable Remune&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ration will be subject to variable &amp;quot;malus&amp;quot; and &amp;quot;clawback&amp;quot; arrangements.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Similarly, in application of the settlement and payment system of the annual variable remuneration for 2014 financial year, in accordance with the remuneration policy applicable at tha&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t time, the Senior Management who were beneficiaries of such remuneration, have received the deferred last third of the annual variable remuneration for that financial year, which delivery corresponded to the first quarter of 2018, thus concluding payment &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the deferred variable remuneration for the 2014 financial year.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;margin-left:0pt;' &gt;(*) Date of the Board of Directors&amp;#8217; resolution b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;' &gt;y which organizational changes were approved in the Group.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with the above, the remuneration paid to members of the Senior Management as a whole, who held that position as at 20 December 2018, excluding executive directors, during the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; 2018 financial year is indicated below (itemized):&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:485.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:485.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Annual Fixed Remuneration (thousands of euro) received in 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:366pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:366pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:119.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:366pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:366pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Senior Management total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:119.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16,129&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:478.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:478.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Annual Variable Remuneration for the 2017 financial year, received in 2018 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:292.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:292.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In cash&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In shares&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:292.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:292.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Senior Management total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;205,104&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:478.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:478.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Deferred variable remuneration for the 2014 financial year, received in 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:292.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:292.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In cash&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In shares&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:292.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:292.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Senior Management total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;64,853&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, all &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;members of Senior Management who held that position as at 20 December 2018, excluding executive directors, received remuneration in kind throughout the 2018 financial year, including insurance premiums and others, amounting to a total of &amp;#8364;875 thousand. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;At&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the year-end 2018 and subject to the conditions established in the remuneration policies applicable to the corresponding year for, components of the annual variable remuneration of members of the Senior Management who were beneficiaries of remunerations f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;or the 2016 and 2017 financial years, are deferred to be received in future years, if conditions are met, in accordance with the policy applicable for each of such financial years.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As regards of those members of the Senior Management who were appointed by &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;resolution of BBVA&amp;#39;s Board of Directors on 20 December 2018 (5 members) have not received any remuneration for such condition, having received fixed and variable remuneration in line with their former positions and functions amounting in aggregate &amp;#8364;1,757 t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;housand as Annual Fixed Remuneration; &amp;#8364;337 thousand and 24,293 BBVA shares for Upfront Portion of the Annual Variable Remuneration for the 2017 financial year; and &amp;#8364;33 thousand and 3,684 BBVA shares as settlement of the deferred last third of the Annual Va&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;riable Remuneration for the 2014 financial year to the Senior Management who were beneficiaries of such remuneration, including the corresponding update, as well as remuneration in kind and others for an amount of &amp;#8364;158 thousand, all in application of the r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;emuneration policy to which they were entitled in their condition as risk taker.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#006EC1;' &gt;Annual Variable Remuneration for Senior Management for financial year 2018 &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Following year-end 2018, the Annual Variable Remuneration of Senior Management corresponding to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;said period has been determined, excluding executive directors, who held that position as at 20 December 2018 (15 members)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Therefore, the 2018 Annual Variable Remuneration to all of the Senior Management, excluding executive directors, has been determine&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d in a total amount of &amp;#8364;7,074 thousand, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in application of the settlement and payment system&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; for this group. T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he 40% of the Annual Variable Remuneration corresponding to each of will be paid, providing the conditions are met, in equal parts in cash and in s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hares, during the first quarter of 2019. The remaining 60% of the Annual Variable Remuneration (40% in cash and 60% in shares) will be subject to compliance with a series of multi-year indicators and to the rest of the settlement and payment system conditi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ons set out in the remuneration policy applicable to Senior Management, which includes malus and clawback arrangements and retention periods for shares&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As regards &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;those members of the Senior Management who were appointed by resolution of BBVA&amp;#39;s Board of D&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;irectors on 20 December 2018 (5 members)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, their Annual Variable Remuneration for the 2018 year-end has been calculated in line &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;with their former positions and functions&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;amounting in aggregate &amp;#8364;633 thousand&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;being subject to the conditions set out in the r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;emuneration policy to which they were entitled in their condition as risk taker&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;At the time of drafting of these consolidated Annual Accounts none of these remunerations have been paid.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#006EC1;' &gt;Deferred Annual Variable Remuneration of Senior Management for &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#006EC1;' &gt;financial year&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#006EC1;' &gt;2015&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Following year-end 2018, the deferred Annual Variable Remuneration of Senior Management &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;for financial year 2015 has been determined&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, excluding executive directors, who held that position as at 20 December 2018 (15 members). &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Thus, based&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; on the result of each of the multi-year performance indicators set by the Board in 2015 to calculate the deferred portion of this remuneration, and in application of the corresponding scales of achievement and their corresponding targets and weightings, l&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ikewise approved by the Board, the deferred portion of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Annual Variable Remuneration for financial year 2015 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;has been adjusted downwards as a consequence of result of the TSR indicator, which scale has determined a 10% reduction in the deferred amount a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ssociated to this indicator. The final amount of the deferred portion of the Annual Variable Remuneration for financial year 2015 to be paid to Senior Management beneficiaries of such remuneration, if applicable conditions are met, after the corresponding &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;adjustment in light of the result of the TSR indicator, has been determined in an amount of &amp;#8364;2,936 thousand and 382,407 BBVA shares, which includes the corresponding updating.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As regards &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;those members of the Senior Management who were appointed by resoluti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;on of BBVA&amp;#39;s Board of Directors on 20 December 2018 (5 members)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; that were entitled to such deferred remuneration, their &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Annual Variable Remuneration for financial year 2015 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;has been&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; calculated in line &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;with their former positions and functions, amounting in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; aggregate &amp;#8364;110 thousand&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and 14,203 BBVA shares, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;which includes the corresponding updating&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;being subject to the conditions set out in the remuneration policy to which they were entitled in their condition as a Group&amp;#39;s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;risk takers&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;At the time of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;drafting of these consolidated Annual Accounts none of these remunerations have been paid.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt;Remuneration system with deferred delivery of shares for non-executive directors&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA has a remuneration system in shares with deferred delivery for its non-executi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ve directors, which was approved by the General Shareholders&amp;#39; Meeting held on 18 March 2006 and extended by resolutions of the General Shareholders&amp;#39; Meetings held on 11&amp;#160;March 2011 and 11&amp;#160;March 2016 for an additional period of five years in each case.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;system involves the annual allocation to non-executive directors of a number of &amp;quot;theoretical shares&amp;quot; of BBVA equivalent to 20% of the total remuneration received in cash received by each director in the previous financial year. This is calculated according&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; to the average closing prices of BBVA shares during the 60&amp;#160;trading sessions prior to the dates of the Annual General Shareholders&amp;#39; Meetings that approve the corresponding financial statements for each financial year.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These shares will be delivered to each&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; beneficiary, where applicable, after they leave their positions as directors for reasons other than serious breach of their duties.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The &amp;quot;theoretical shares&amp;quot; allocated in 2018 to each non-executive director beneficiaries of the remuneration system in share&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s with deferred delivery, corresponding to 20% of the total remuneration in cash received by each of them in 2017, are as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:40.5pt;' &gt;&lt;td style='width:276.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Theoretical shares allocated in 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Theoretical shares accumulated as at 31 December 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tom&amp;#225;s Alfaro Drake&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,367&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83,449&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Jos&amp;#233; Miguel Andr&amp;#233;s Torrecillas&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,755&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36,565&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Bel&amp;#233;n Garijo L&amp;#243;pez&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,865&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34,641&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sunir Kumar Kapoor&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,811&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,976&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Carlos Loring Mart&amp;#237;nez de Irujo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,985&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98,876&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Lourdes M&amp;#225;iz Carro&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,160&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Jos&amp;#233; Maldonado Ramos&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78,995&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Juan Pi Llorens&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54,171&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Susana Rodr&amp;#237;guez Vidarte&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;104,983&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:276.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;90,400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;523,816&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;n addition, in 2018, 10,188 &amp;quot;theoretical shares&amp;quot; were allocated to Jos&amp;#233; Antonio Fern&amp;#225;ndez Rivero&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, who stepped down as a director on 16&amp;#160;March 2018.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt;Pension commitments&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;At the end of the 2018 financial year, the Bank has pension commitments in favor of the executive directors Carlos Torres Vila and Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cover contingencies for retirement, disability and death, in accordance with the Bylaws, the Remuneration Policy for BBVA Directors and their respective contracts entered into with the Bank.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With regard to Carlos Torres Vila, the Remuneration Policy for BB&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;VA Directors provides for a benefits framework according to which he is entitled, provided that he does not leave his position as Chief Executive Officer due to serious breach of duties, to receive a retirement pension when he reaches the legally establish&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed retirement age, in the form of capital or income. The amount of this pension shall result from the funds accumulated by the Bank up to December 2016 to cover the commitments under his previous benefits scheme, plus the sum of the annual contributions ma&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;de by the Bank from 1&amp;#160;January 2017 to cover said pension, as well as the corresponding accumulated yields. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount set out in the Remuneration Policy for BBVA Directors as annual contribution to cover retirement benefit under the defined-contribution s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cheme for Carlos Torres Vila is &amp;#8364;1,642 thousand. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;15% of the aforementioned agreed annual contribution will be based on variable components and considered &amp;quot;discretionary pension benefits&amp;quot;, therefore subject to the conditions regarding delivery in shares, r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;etention and clawback established in the applicable regulations, as well as any other conditions concerning variable remuneration that may be applicable in accordance with this Policy.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Should the contractual relationship be terminated before he reaches the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; retirement age for reasons other than serious breach of duties, the retirement pension due to Carlos Torres Vila upon reaching the legally established retirement age will be calculated based on the total contributions made by the Bank under the terms set &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;out, up to that date, plus the corresponding accumulated yield, with no additional contributions to be made by the Bank from the time of termination.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With respect to the commitments to cover the contingencies for death and disability benefits for Carlos To&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rres Vila, the Bank will undertake the payment of the corresponding annual insurance premiums in order to top up the coverage the death and disability contingencies of his benefits system.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In line with the above, during the 2018 financial year, &amp;#8364;1,896 thou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sand has been recorded to meet the benefits commitments for Carlos Torres Vila, amount which includes the contribution to the retirement contingency (&amp;#8364;1,642 thousand) and to death and disability (&amp;#8364;212 thousand), as well as &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;42 thousand corresponding to the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; adjustments made to the amount of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;quot;discretionary pension benefits&amp;quot; from 2017, as declared at 2017 year-end and which had to be recorded in the accumulated fund in 2018. As a result, the total accumulated amount of the fund to meet retirement commitments w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ith Carlos Torres Vila amounts to &amp;#8364;18,581 thousand as at 31 December 2018. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;15% of the agreed annual contribution to retirement (&amp;#8364;246 thousand) has been recognized in 2018 as &amp;quot;discretionary pension benefits&amp;quot;. Following year-end 2018, this amount has been a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;djusted according to the criteria established to determine Carlos Torres Vila&amp;#39;s Annual Variable Remuneration for 2018. Accordingly, the &amp;quot;discretionary pension benefits&amp;quot; for the financial year have been determined in an amount of &amp;#8364;245 thousand, which will b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e included in the accumulated fund for 2019, subject to the same conditions as the Deferred Component of Annual Variable Remuneration for 2018, as well as the remaining conditions established for these benefits in the Remuneration Policy for BBVA Directors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of Jos&amp;#233;&amp;#160;Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo, the pension system provided for in the Remuneration Policy for BBVA Directors establishes an annual contribution of 30% of his Annual Fixed Remuneration, to cover the contingency of his retire&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ment, as well as the payment of the corresponding insurance premiums in order to top up the coverage of death and disability.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;15% of the aforementioned agreed annual contribution will be based on variable components and considered &amp;quot;discretionary pension be&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nefits&amp;quot;, therefore subject to the conditions regarding delivery in shares, retention and clawback established in the applicable regulations, as well as any other conditions concerning variable remuneration that may be applicable in accordance with this Pol&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;icy.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo, upon reaching retirement age, will be entitled to receive, in the form of capital or income, the benefits arising from contributions made by the Bank to cover pension commitments, plus the corresponding yi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;eld accumulated up to that date, provided he does not leave his position due to serious breach of duties. In the event of voluntary termination of contractual relationship by the director before retirement, the benefits will be limited to 50% of the contri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;butions made by the Bank up to that date, as well as the corresponding accumulated yield, with no additional contributions to be made by the Bank upon termination. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With respect to the commitments to cover the contingencies for death and disability benefit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s for &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, the Bank will undertake the payment of the corresponding annual insurance premiums in order to top up the coverage the death and disability contingencies of his benefits system.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In line with the above, du&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ring the 2018 financial year, &amp;#8364;405 thousand has been recorded to meet the benefits commitments for Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo, amount which includes the contribution to the retirement contingency (&amp;#8364;250 thousand) and to death and disabilit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;y (&amp;#8364;147 thousand), as well as &amp;#8364;8 thousand corresponding to the adjustments made to the amount of &amp;quot;discretionary pension benefits&amp;quot; from 2017, as declared at 2017 year-end and which had to be recorded in the accumulated fund in 2018. As a result, the total a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ccumulated amount of the fund to meet retirement commitments with Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo amounts to &amp;#8364;1,067 thousand as at 31 December 2018. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;15% of the agreed annual contribution to retirement (&amp;#8364;38 thousand) has been recognized in 2018 as &amp;quot;discretiona&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ry pension benefits&amp;quot;. Following year-end 2018, this amount has been adjusted according to the criteria established to determine &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Jos&amp;#233; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo&amp;#8217;s Annual Variable Remuneration for 2018. Accordingly, the &amp;quot;discretionary pension be&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nefits&amp;quot; for the financial year have been determined in an amount of &amp;#8364;42 thousand, which will be included in the accumulated fund for 2019, subject to the same conditions as the Deferred Component of Annual Variable Remuneration for 2018, as well as the rem&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;aining conditions established for these benefits in the Remuneration Policy for BBVA Directors. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of 31 December 2018 there are no other pension commitments undertaken in favor of other executive directors. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Likewise, during the 2018 financial year, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8364;4,754 thousand has been recorded to meet the benefits commitments undertaken with members of the Senior Management, excluding executive directors, who held said position as at 20 December 2018 (15 members), amount which includes the contribution to the re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tirement contingency (&amp;#8364;3,883 thousand) and to death and disability (&amp;#8364;831 thousand), as well as &amp;#8364;40 thousand corresponding to the adjustments made to the amount of &amp;quot;discretionary pension benefits&amp;quot; from 2017, as declared at 2017 year-end and which had to be &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;recorded in the accumulated fund in 2018. As a result, the total accumulated amount of the fund to meet retirement commitments with Senior Management amounts to &amp;#8364;57,429 thousand as at 31 December 2018. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;15% of the agreed annual contributions for members of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; Senior Management who held that position as at 20 December 2018 will be based on variable components and considered &amp;quot;discretionary pension benefits&amp;quot;, therefore subject to the conditions regarding delivery in shares, retention and clawback established in t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he applicable regulations, as well as any other conditions concerning variable remuneration that may be applicable in accordance with the remuneration policy applicable to members of Senior Management.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;To this end, of the agreed annual contribution to reti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rement, an amount of &amp;#8364;571 thousand has been recognized in 2018 as &amp;quot;discretionary pension benefits&amp;quot;. Following year-end 2018, this amount has been adjusted according to the criteria established to determine the Annual Variable Remuneration of the Senior Man&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;agement for 2018. Accordingly, the &amp;quot;discretionary pension benefits&amp;quot; for the financial year, corresponding to members of the Senior Management who held that position as at 20 December 2018, have been determined in an amount of &amp;#8364;555 thousand, which will be i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ncluded in the accumulated fund for 2019, subject to the same conditions as the Deferred Component of Annual Variable Remuneration for 2018, as well as the remaining conditions established for these benefits in the remuneration policy applicable to members&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of the Senior Management.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During the 2018 financial year, &amp;#8364;146 thousand has been recorded to meet the benefits commitments undertaken with the members of the Senior Management, excluding executive directors, who were appointed by BBVA&amp;#39;s Board of Directors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; on 20 December 2018 (five members), pursuant to the commitments made by the Bank with each of them in relation to their previous positions and functions, with such amount including both the contribution to retirement contingency(&amp;#8364;97 thousand) as well as t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;o death and disability (&amp;#8364;49 thousand), with the fund accumulated to meet retirement commitments for this group amounting to a total of &amp;#8364;1,713 thousand.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#006EC1;' &gt;Termination of the contractual relationship&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with the Remuneration Policy for BBVA Director&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s, the Bank has no commitments to pay severance payments to executive directors.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The contractual framework defined in the aforementioned Policy for Carlos Torres Vila and for the executive director Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo, includes a p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ost-contractual non-compete agreement for a period of two years after they cease as BBVA executive directors, in accordance to which they will receive remuneration from the Bank for an amount equivalent to one Annual Fixed Remuneration for each year of dur&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ation of the non-compete arrangement , which shall be paid periodically over the course of the two years, provided that they leave their positions as executive directors for reasons other than retirement, disability or serious breach of duties.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory>
  <ifrs-full:DisclosureOfJointVenturesExplanatory id="ID_180" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Joint Ventures and Associates Entities. Breakdown by entities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fideicomiso 1729 Invex Enajenacion de Cartera&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;PSA Finance Argentina Compa&amp;#241;ia Financier&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Altura Markets, S.V., S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;RCI Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other joint ventures&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;173&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;256&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Associates Entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Metrovacesa Suelo y Promoci&amp;#243;n, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;508&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;697&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Testa Residencial SOCIMI, S.A.U.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;444&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Metrovacesa Promoci&amp;#243;n y Arrendamientos, S.A.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Atom Bank, PLC&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Divarian Propiedad S.A.U.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;591&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Servired&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other associates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;536&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,9pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.588&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;765&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfJointVenturesExplanatory>
  <bbva:JoinVenturesAndAssociatesEntitiesChangesInTheYear id="ID_181" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Joint Ventures and Associates Entities. Changes in the Year (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.588&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;765&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;879&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Acquisitions and capital increases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;868&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Disposals and capital reductions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(516)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfers and changes of consolidation method&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(351)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Share of profit and loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividends, valuation adjustments and others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(118)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.588&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;765&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:JoinVenturesAndAssociatesEntitiesChangesInTheYear>
  <bbva:Securedtaxassets id="ID_182" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Secured tax assets (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017 (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016 (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pensions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.874&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.897&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.901&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.530&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.431&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;In 2017 and 2016 guaranteed deferred tax assets also existed in Portugal but in 2018 they lost the guarantee.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Securedtaxassets>
  <bbva:Deferredtaxassetsandliabilities id="ID_183" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deferred tax assets and liabilities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Deferred Liabilities&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;14.725&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16.391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.878&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.418&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Pensions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(795)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financials Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(52)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(291)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(367)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(103)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(113)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(55)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(305)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;370&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(385)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;153&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(366)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(841)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;255&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Guaranteed Tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(70)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(105)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tax Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;268&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;101&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Charge for income tax and other taxes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.316&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;14.725&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16.391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.392&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Deferredtaxassetsandliabilities>
  <bbva:Taxrecognizedintotalequity id="ID_184" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tax recognized in total equity (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Charges to total equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities and others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(87)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(355)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(533)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(56)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(74)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(143)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(429)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#2DCCCD;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(535)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(143)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(429)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(535)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Taxrecognizedintotalequity>
  <bbva:Effectivetaxrateexplanatory id="ID_185" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Effective Tax Rate (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Income from:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Consolidated Tax Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.482&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(678)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(483)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other Spanish Entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Foreign Entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.823&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8.446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.392&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income tax and other taxes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.699&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Effective Tax Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;27,17%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;31,3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Effectivetaxrateexplanatory>
  <bbva:Reconciliationoftaxationatthespanishcorporationtaxratetothetaxexpenserecordedfortheperiod id="ID_186" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reconciliation of Taxation at the Spanish Corporation Tax Rate to the Tax Expense Recorded for the Period&amp;#160;  (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22,9pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Effective Tax &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Effective Tax &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Effective Tax &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Profit or (-) loss before tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8.446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6.392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;From continuing operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.931&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Taxation at Spanish corporation tax rate 30%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.534&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.079&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.918&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Lower effective tax rate from foreign entities  (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(234)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(307)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(298)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Mexico &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(78)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(100)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(105)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Chile &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Colombia &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Peru &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(132)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(182)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(176)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Revenues with lower tax rate (dividends/capital gains)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(57)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(69)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity accounted earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other effects&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;452&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Current income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2.295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;1.699&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Continuing operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.699&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Calculated by applying the difference between the tax rate in force in Spain and the one &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;applied to the Group&amp;#8217;s earnin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;gs in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;each jurisdiction.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Reconciliationoftaxationatthespanishcorporationtaxratetothetaxexpenserecordedfortheperiod>
  <bbva:Tableoftaxassetsandliabiltiiesexplanatory id="ID_187" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:480pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:480pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tax assets and liabilities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Current tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.784&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.163&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.853&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deferred tax assets &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.316&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.725&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16.391&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Pensions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;395&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Financial Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.401&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.453&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.371&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other assets (investments in subsidiaries)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;302&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;357&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;662&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Impairment losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.375&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.005&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.390&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;870&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.236&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Secured tax assets (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.431&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Tax losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.480&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.111&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18.100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16.888&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18.245&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Tax Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Current tax liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.276&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deferred tax liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.392&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Financial Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.136&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.794&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Charge for income tax and other taxes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;910&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;757&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.598&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,45pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.276&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.298&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.668&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Law guaranteeing the deferred tax assets has been approved in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Spain in 2013. In years 2016 and 2017 guaranteed deferred tax assets also existed in Portugal but in year 2018 they lost the guarantee due to the merge between BBVA Portugal S.A. and BBVA, S.A.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Tableoftaxassetsandliabiltiiesexplanatory>
  <bbva:Provisionsbreakdownbyconcepts id="ID_188" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions. Breakdown by concepts (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for pensions and similar obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.025&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other long term employee benefits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for taxes and other legal contingencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;686&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;756&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;418&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for contingent risks and commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;950&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other provisions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;669&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.609&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.772&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7.477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9.071&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Provisionsbreakdownbyconcepts>
  <bbva:Provisionsforpensionsandsimilarobligationschangesovertheperiod id="ID_189" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for pensions and similar obligations. Changes Over the Year (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.025&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.299&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Add&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Charges to income for the year &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;126&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;402&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Interest expenses and similar charges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Personnel expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Provision expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;258&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;239&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Charges to equity &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:9pt;color:#808080;' &gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;339&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Transfers and other changes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(264)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Less&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Benefit payments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(779)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(861)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(926)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Employer contributions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(103)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(154)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4.787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5.407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.025&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Correspond to actuarial losses (gains) arising from certain defined-benefit post-employment pension commitments and other similar benefits recognized in &amp;#8220;Equity&amp;#8221; (see &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Note 2.2.12).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Provisionsforpensionsandsimilarobligationschangesovertheperiod>
  <bbva:TableOflProvisionsForTaxesLegalContingentsAndOtherProvisions id="ID_190" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:14,25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Provisions for Taxes, Legal Contingents and Other Provisions. Changes Over the Year (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.028&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.771&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;455&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;868&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Unused amounts reversed during the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(184)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(164)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(311)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Amount used and other variations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(410)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.306)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(540)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:TableOflProvisionsForTaxesLegalContingentsAndOtherProvisions>
  <bbva:DisclosureOfPlanAssetsBreakdown id="ID_191" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Plan Assets Breakdown (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:432pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash or cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities (Government bonds)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.080&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mutual funds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Insurance contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:432pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Bank account in BBVA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfPlanAssetsBreakdown>
  <bbva:TableOfInvestmentsInListedMarkets id="ID_192" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Investments in listed markets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash or cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities (Government bonds)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.080&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mutual funds&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2.109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Of which:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;Bank account in BBVA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:TableOfInvestmentsInListedMarkets>
  <bbva:Disclosureremunerationofexecutivedirectorsexplanatory id="ID_193" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Annual Fixed Remuneration (thousands of euro), received in 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:433.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:433.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:433.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:433.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Carlos Torres Vila&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,965&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:433.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:433.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;834&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:433.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:433.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2,799&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Variable remuneration for financial year 2017, received in 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In cash (1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In shares (1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Carlos Torres Vila&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;77,493&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:383.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12,029&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;649&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;89,522&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  Remunerations corresponding to the Upfront Portion (40%) of the Annual Variable Remuneration for financial year 2017, 50% in cash and 50% in shares.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Deferred variable remuneration for financial year 2014, received in 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:382.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:382.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In cash (1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In shares (1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:382.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:382.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Carlos Torres Vila&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;105&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11,766&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:382.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:382.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Jos&amp;#233; Manuel Gonz&amp;#225;lez-P&amp;#225;ramo Mart&amp;#237;nez-Murillo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,678&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:382.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:382.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;15,444&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  Remunerations corresponding to the last third of the deferred annual variable remuneration for financial year 2014, 50% in cash and 50% in shares, along with its update in cash.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureremunerationofexecutivedirectorsexplanatory>
  <bbva:Disclosurenumberofsharesexplanatory id="ID_194" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:40.5pt;' &gt;&lt;td style='width:276.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Theoretical shares allocated in 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Theoretical shares accumulated as at 31 December 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tom&amp;#225;s Alfaro Drake&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,367&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83,449&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Jos&amp;#233; Miguel Andr&amp;#233;s Torrecillas&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,755&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36,565&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Bel&amp;#233;n Garijo L&amp;#243;pez&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,865&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34,641&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sunir Kumar Kapoor&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,811&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,976&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Carlos Loring Mart&amp;#237;nez de Irujo&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,985&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98,876&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Lourdes M&amp;#225;iz Carro&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,160&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Jos&amp;#233; Maldonado Ramos&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78,995&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Juan Pi Llorens&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54,171&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:276.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Susana Rodr&amp;#237;guez Vidarte&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;104,983&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:276.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;90,400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;523,816&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;n addition, in 2018, 10,188 &amp;quot;theoretical shares&amp;quot; were allocated to Jos&amp;#233; Antonio Fern&amp;#225;ndez Rivero&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, who stepped down as a director on 16&amp;#160;March 2018.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosurenumberofsharesexplanatory>
  <bbva:Disclosureremunerationformembersoftheseniormanagementexplanatory id="ID_195" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:485.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:485.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Annual Fixed Remuneration (thousands of euro) received in 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:366pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:366pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:119.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:366pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:366pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Senior Management total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:119.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16,129&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:17.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:478.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:478.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Annual Variable Remuneration for the 2017 financial year, received in 2018 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:292.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:292.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In cash&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In shares&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:292.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:292.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Senior Management total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;205,104&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:478.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:478.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Deferred variable remuneration for the 2014 financial year, received in 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:292.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:292.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In cash&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;In shares&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:292.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:292.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Senior Management total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;64,853&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureremunerationformembersoftheseniormanagementexplanatory>
  <bbva:Tableofconsolidatedstatementofcashflow id="ID_196" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:16,5pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Liabilities from financing activities (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 31, 2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Cash flows &lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:201pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:201pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-cash changes&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 31, 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Acquisition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Disposal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Foreign exchange movement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value changes&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;50.635 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(1.621)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(1.900)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(779)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46.335 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Subordinated debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;17.443 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;857 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(694)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;29 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.635 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Short-term debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;10.013 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;931 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;81 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.025 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;8.891 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;1.574 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(643)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(1.328)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.495 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;86.982&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1.741&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(3.237)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(1.997)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;83.490&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:16,5pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Liabilities from financing activities (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 31, 2016&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Cash flows &lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:201pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:201pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-cash changes&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 31, 2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Acquisition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Disposal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Foreign exchange movement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value changes&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;59.388 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(5.958)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(2.796)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;50.635 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18,6pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Subordinated debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;16.987 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;1.679 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(1.223)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;17.443 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Short-term debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;11.556 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(1.319)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(224)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;10.013 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;10.179 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(378)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;(910)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#333333;' &gt;8.891 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:131,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#004481;border-color:Black;min-width:131,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;98.111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(5.976)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(5.153)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;86.982&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofconsolidatedstatementofcashflow>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_197" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">30536000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_198" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">35265000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_199" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">42955000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <bbva:Debtinstrumentsheldfortrading id="ID_200" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">25577000000</bbva:Debtinstrumentsheldfortrading>
  <bbva:Debtinstrumentsheldfortrading id="ID_201" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">22573000000</bbva:Debtinstrumentsheldfortrading>
  <bbva:Debtinstrumentsheldfortrading id="ID_202" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">27166000000</bbva:Debtinstrumentsheldfortrading>
  <bbva:Loansandreceivablesheldfortrading id="ID_203" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">28750000000</bbva:Loansandreceivablesheldfortrading>
  <bbva:Loansandreceivablesheldfortrading id="ID_204" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">56000000</bbva:Loansandreceivablesheldfortrading>
  <bbva:Loansandreceivablesheldfortrading id="ID_205" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">154000000</bbva:Loansandreceivablesheldfortrading>
  <bbva:Equityinstrumentsheldfortrading id="ID_206" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">5254000000</bbva:Equityinstrumentsheldfortrading>
  <bbva:Equityinstrumentsheldfortrading id="ID_207" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">6801000000</bbva:Equityinstrumentsheldfortrading>
  <bbva:Equityinstrumentsheldfortrading id="ID_208" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">4675000000</bbva:Equityinstrumentsheldfortrading>
  <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading id="ID_209" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">90117000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
  <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading id="ID_210" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">64695000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
  <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading id="ID_211" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">74950000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_212" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">31815000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_213" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">36169000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_214" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">43118000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <bbva:Shortpositionsfinancialliabilitiesheldfortrading id="ID_215" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">11025000000</bbva:Shortpositionsfinancialliabilitiesheldfortrading>
  <bbva:Shortpositionsfinancialliabilitiesheldfortrading id="ID_216" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">10013000000</bbva:Shortpositionsfinancialliabilitiesheldfortrading>
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  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2066" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketoptionsMember_bbva_DerivativesaxisAxis_bbva_EquityriskMember" unitRef="EUR" decimals="-6">1205000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2067" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketotherMember_bbva_DerivativesaxisAxis_bbva_EquityriskMember" unitRef="EUR" decimals="-6">0</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2068" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtcoptionsMember_bbva_DerivativesaxisAxis_bbva_EquityriskMember" unitRef="EUR" decimals="-6">1224000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2069" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtcotherMember_bbva_DerivativesaxisAxis_bbva_EquityriskMember" unitRef="EUR" decimals="-6">91000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2070" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketoptionsMember_bbva_DerivativesaxisAxis_bbva_EquityriskMember" unitRef="EUR" decimals="-6">937000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2071" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketotherMember_bbva_DerivativesaxisAxis_bbva_EquityriskMember" unitRef="EUR" decimals="-6">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:NotionalAmount id="ID_2072" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtcoptionsMember_bbva_DerivativesaxisAxis_bbva_EquityriskMember" unitRef="EUR" decimals="-6">44837000000</ifrs-full:NotionalAmount>
  <ifrs-full:NotionalAmount id="ID_2073" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtcotherMember_bbva_DerivativesaxisAxis_bbva_EquityriskMember" unitRef="EUR" decimals="-6">5312000000</ifrs-full:NotionalAmount>
  <ifrs-full:NotionalAmount id="ID_2074" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketoptionsMember_bbva_DerivativesaxisAxis_bbva_EquityriskMember" unitRef="EUR" decimals="-6">36795000000</ifrs-full:NotionalAmount>
  <ifrs-full:NotionalAmount id="ID_2075" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketotherMember_bbva_DerivativesaxisAxis_bbva_EquityriskMember" unitRef="EUR" decimals="-6">3712000000</ifrs-full:NotionalAmount>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2076" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtcoptionsMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">417000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2077" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtcotherMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">14436000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2078" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketoptionsMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">3000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2079" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketotherMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">16000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2080" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtcoptionsMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">539000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2081" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtcotherMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">14624000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2082" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketoptionsMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2083" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketotherMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">16000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:NotionalAmount id="ID_2084" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtcoptionsMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">27583000000</ifrs-full:NotionalAmount>
  <ifrs-full:NotionalAmount id="ID_2085" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtcotherMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">392240000000</ifrs-full:NotionalAmount>
  <ifrs-full:NotionalAmount id="ID_2086" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketoptionsMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">175000000</ifrs-full:NotionalAmount>
  <ifrs-full:NotionalAmount id="ID_2087" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OrganizedmarketotherMember_bbva_DerivativesaxisAxis_bbva_ForeignexchangeandgoldriskMember" unitRef="EUR" decimals="-6">5508000000</ifrs-full:NotionalAmount>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2088" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_CreditdefaultswapMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">246000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2089" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_CreditspreadoptionMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">0</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2090" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_TotalreturnswapMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">2000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2091" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtherMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">14000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2092" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_CreditdefaultswapMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">230000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2093" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_CreditspreadoptionMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2094" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_TotalreturnswapMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">108000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2095" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtherMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:NotionalAmount id="ID_2096" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_CreditdefaultswapMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">15788000000</ifrs-full:NotionalAmount>
  <ifrs-full:NotionalAmount id="ID_2097" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_CreditspreadoptionMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">150000000</ifrs-full:NotionalAmount>
  <ifrs-full:NotionalAmount id="ID_2098" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_TotalreturnswapMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">1895000000</ifrs-full:NotionalAmount>
  <ifrs-full:NotionalAmount id="ID_2099" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OtherMember_bbva_DerivativesaxisAxis_ifrs-full_CreditRiskMember" unitRef="EUR" decimals="-6">1565000000</ifrs-full:NotionalAmount>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2100" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendeifrs9Member">The amendments to IFRS 9 allow entities to measure certain prepayable financial assets with negative compensation at amortized cost or at fair value through other comprehensive income if a specified condition is met, instead of at fair value through profit or loss. The condition is that the financial asset would otherwise meet the criteria of having contractual cash flows that are solely payments of principal and interest but do not meet that condition only as a result of that prepayment feature.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2101" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendeifrs9Member">The amendments should be applied to the accounting periods beginning on or after January 1, 2019, although early application is permitted. The Group has applied this amendment to the accounting period beginning on January 1, 2018 and it has not had a significant impact on the Group&#180;s financial statements.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:TitleOfNewIFRS id="ID_2102" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendedifrs7Member">Amended IFRS 7 - &#8220;Financial instruments: Disclosures&#8221;</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2103" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendedifrs7Member">The IASB modified IFRS 7 in December 2011 to include new disclosures on financial instruments that entities have to provide in the period that they apply IFRS 9 for the first time.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:TitleOfNewIFRS id="ID_2104" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs15Member">IFRS 15 - &#8220;Revenue from contracts with customers&#8221;</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2105" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs15Member">IFRS 15 contains the principles that an entity shall apply to account for revenue and cash flows arising from a contract with a customer (see Note 2.2.17).
The core principle of IFRS 15 is that a company should recognize revenue to depict the transfer of promised goods or services to the customer in an amount that reflects the consideration to which the company expects to be entitled in exchange for those goods or services, in accordance with contractual agreements (either over time or at a certain time). It is considered that the good or service is transferred when the customer obtains control over it.
The new Standard replaces IAS 18 &#8211; Revenue, IAS 11 - Construction Contracts, IFRIC 13 - Customer Loyalty Programmes, IFRIC 15 - Agreements for the Construction of Real Estate, IFRIC 18 - Transfers of Assets from Customers and SIC 31 &#8211; Revenue-Transactions Involving Advertising Services.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2106" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs15Member">This standard has not had a significant impact on the Group's Consolidated Financial Statements.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:TitleOfNewIFRS id="ID_2107" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs2Member">IFRS 2 &#8211; &#8220;Classification and Measurement of Share-based Payment Transactions&#8221;</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2108" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs2Member">The amendments made to IFRS 2 provide requirements on three different aspects:
When measuring the fair value of a cash-settled share-based payment vesting conditions, other than market conditions, the conditions for the irrevocability shall be taken into account by adjusting the number of awards included in the measurement of the liability arising from the transaction.
A transaction in which an entity settles a share-base payment arrangement net by withholding a specified portion of the equity instruments to meet a statutory tax withholding obligation will be classified as equity settled in its entirety if, without the net settlement feature, the entire share-based payment would otherwise be classified as equity-settled.
In case of modification of a share-based payment from cash-settled to equity-settled, the modification will be accounted for derecognizing the original liability and recognizing in equity the fair value of the equity instruments granted to the extent that services have been rendered up to the modification date; any difference will be recognized immediately in profit or loss.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2109" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs2Member">This standard has not had a significant impact on the Group's Consolidated Financial Statements.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:TitleOfNewIFRS id="ID_2110" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendedifrs4Member">Amended IFRS 4 &#8211; &#8220;Insurance Contracts&#8221;</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2111" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendedifrs4Member">The amendments made to IFRS 4 address the temporary accounting consequences of the different effective dates of IFRS 9 and the forthcoming insurance contracts standard, by introducing two optional solutions:
The deferral approach or temporary exemption, that gives entities whose predominant activities are connected with insurance the option to defer the application of IFRS 9 and continue applying IAS 39 until 2021.
The overlay approach, that gives all issuers of insurance contracts the option to recognize in other comprehensive income, rather than profit or loss, the additional accounting volatility that may arise from applying IFRS 9 compared to applying IAS 39 before applying the forthcoming insurance contracts standard.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2112" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendedifrs4Member">This standard has not had a significant impact on the Group's Consolidated Financial Statements.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:TitleOfNewIFRS id="ID_2113" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Smallmodificationiifrs1ifrs28Member">Annual improvements cycle to IFRSs 2014-2016 &#8211; Minor amendments to IFRS 1 and IAS 28</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2114" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Smallmodificationiifrs1ifrs28Member">The annual improvements cycle to IFRSs 2014-2016 includes minor changes and clarifications to IFRS 1- First-time Adoption of International Financial Reporting Standards and IAS 28 &#8211; Investments in Associates and Joint Ventures, which should be applied to the accounting periods beginning on or after January 1, 2018, although early application was permitted for modifications to IAS 28.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2115" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Smallmodificationiifrs1ifrs28Member">This standard has not had a significant impact on the Group's Consolidated Financial Statements.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:TitleOfNewIFRS id="ID_2116" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifric22Member">IFRIC 22 &#8211; Foreign Currency Transactions and Advance Consideration</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2117" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifric22Member">The Interpretation addresses how to determine the date of the transaction, and thus, the exchange rate to use to translate the related asset, expense or income on initial recognition, in circumstances in which a non-monetary prepayment asset or a non-monetary deferred income liability arising from the payment or receipt of advance consideration is recognized in advance of the related asset, income or expense. It requires that the date of the transaction will be the date on which an entity initially recognizes the non-monetary asset or non-monetary liability.

If there are multiple payments or receipts in advance, the entity shall determine a date of the transaction for each payment or receipt of advance consideration.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2118" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifric22Member">This standard has not had a significant impact on the Group's consolidated financial statements.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:TitleOfNewIFRS id="ID_2119" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendednic40Member">Amended IAS 40 &#8211; Investment Property</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2120" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendednic40Member">The amendment states that an entity shall transfer a property to, or from, investment property when, and only when, there is evidence of a change in use. A change in use occurs when the property meets, or ceases to meet, the definition of investment property.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2121" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Beforedecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendednic40Member">This standard has not had a significant impact on the Group's financial statements.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2122" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_SubtotalMember_bbva_DerivativesaxisAxis_bbva_CommoditiesriskMember" unitRef="EUR" decimals="-6">6000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2123" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_SubtotalMember_bbva_DerivativesaxisAxis_bbva_CommoditiesriskMember" unitRef="EUR" decimals="-6">6000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:NotionalAmount id="ID_2124" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_SubtotalMember_bbva_DerivativesaxisAxis_bbva_CommoditiesriskMember" unitRef="EUR" decimals="-6">169000000</ifrs-full:NotionalAmount>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2125" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_SubtotalMember_bbva_DerivativesaxisAxis_bbva_OtherriskMember" unitRef="EUR" decimals="-6">13000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2126" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_SubtotalMember_bbva_DerivativesaxisAxis_bbva_OtherriskMember" unitRef="EUR" decimals="-6">22000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:NotionalAmount id="ID_2127" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_SubtotalMember_bbva_DerivativesaxisAxis_bbva_OtherriskMember" unitRef="EUR" decimals="-6">1065000000</ifrs-full:NotionalAmount>
  <ifrs-full:TitleOfNewIFRS id="ID_2128" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendedifrs10Member">Amended IFRS 10 &#8211; &#8220;Consolidated financial statements&#8221; and IAS 28 amended</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2129" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendedifrs10Member">The amendments to IFRS 10 and IAS 28 establish that when an entity sells or transfers assets which are considered a business (including its consolidated subsidiaries) to an associate or joint venture of the entity, the latter will have to recognize any gains or losses derived from such transaction in its entirety. Notwithstanding, if the assets sold or transferred are not considered a business, the entity will have to recognize the gains or losses derived only to the extent of the interests in the associate or joint venture with unrelated investors.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2130" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_SubtotalMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">42955000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2131" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_SubtotalMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">43118000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:NotionalAmount id="ID_2132" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_SubtotalMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">2092945000000</ifrs-full:NotionalAmount>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2133" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendedifrs10Member">These changes will be applicable to accounting periods beginning on the effective date, still to be determined, although early adoption is allowed.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:TitleOfNewIFRS id="ID_2134" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs16Member">IFRS 16 &#8211; &#8220;Leases&#8221;</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2135" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OfwhichotcderivativeswithcreditinstitutionsMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">26438000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2136" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OfwhichotcderivativeswithcreditinstitutionsMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">28005000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:NotionalAmount id="ID_2137" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OfwhichotcderivativeswithcreditinstitutionsMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">806096000000</ifrs-full:NotionalAmount>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2138" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OfwhichotcderivativeswithotherfinancialinstitutionsMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">8786000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2139" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OfwhichotcderivativeswithotherfinancialinstitutionsMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">9362000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:NotionalAmount id="ID_2140" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OfwhichotcderivativeswithotherfinancialinstitutionsMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">1023174000000</ifrs-full:NotionalAmount>
  <ifrs-full:DerivativeFinancialAssetsHeldForTrading id="ID_2141" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OfwhichotcderivativeswithrestofcounterpartiesMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">6404000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
  <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading id="ID_2142" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OfwhichotcderivativeswithrestofcounterpartiesMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">4694000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
  <ifrs-full:NotionalAmount id="ID_2143" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_BreakdownoftypesofinstrumentaxisAxis_bbva_OfwhichotcderivativeswithrestofcounterpartiesMember_bbva_DerivativesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">175473000000</ifrs-full:NotionalAmount>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2144" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs16Member">On January 13, 2016, the IASB issued IFRS 16 which will replace IAS 17 &#8220;Leases&#8221; for financial statements from January 1, 2019 onwards. The new standard introduces a single lessee accounting model and will require a lessee to recognize assets and liabilities for all leases. The only exceptions are short-term contracts and those in which the underlying assets have low value. A lessee will be required to recognize a right-of-use asset representing its right to use the underlying leased asset and a lease liability representing its obligation to make lease payments.
With regard to lessor accounting, IFRS 16 substantially carries forward the lessor accounting requirements in IAS 17. Accordingly, a lessor will continue to classify its leases as operating leases or finance leases, and account for those two types of leases differently.
During the financial years 2017 and 2018 the Group has carried out a project to implement IFRS 16 with the participation of all affected areas. The standard will mainly affect the accounting of operating leases of the Group.

With regard to the estimated impact on the Consolidated Financial Statements, at the transition date, the Group has decided to apply the modified retrospective approach which requires recognition of a lease liability equal to the present value of the future payments committed on January 1, 2019. Regarding the measurement of the right-of-use asset, the Group has elected to record an amount equal to the lease liability. As a result of this approach, the Group expects to recognize assets for the right-of-use and lease liabilities for an approximate amount of 3,600 million euros mainly coming from the Group&#8217;s activity in Spain as well as from bank branches leases. The estimated impact in terms of capital (CET1) for the Group amounts to -12 basis points.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2145" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs16Member">The final impact of adopting the standard as of January 1, 2019 may change because:
the Group has not concluded the tests;
the new accounting policies, methodologies and parameters may be subject to changes until the Group presents its financial statements that include the final impact as of the date of initial application.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:TitleOfNewIFRS id="ID_2146" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs17Member">IFRS 17 &#8211; Insurance Contracts</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2147" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs17Member">IFRS 17 establishes the principles for the accounting for insurance contracts and supersedes IFRS 4. The new standard introduces a single accounting model for all insurance contracts and requires the entities to use updated assumptions.
An entity shall divide the contracts into groups and recognize and measure groups of insurance contracts at the total of:
the fulfilment cash flows, that comprises the estimate of future cash flows, an adjustment to reflect the time value of money and the financial risk associated with the future cash flows and a risk adjustment for non-financial risk; and
the contractual service margin that represents the unearned profit.
The amounts recognized in the consolidated income statement shall be disaggregated into insurance revenue, insurance service expenses and insurance finance income or expenses. Insurance revenue and insurance service expenses shall exclude any investment components. Insurance revenue shall be recognized over the period the entity provides insurance coverage and in proportion to the value of the provision of coverage that the insurer provides in the period.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2148" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifrs17Member">This Standard will be applied to the accounting years starting on or after January 1, 2021.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:TitleOfNewIFRS id="ID_2149" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifric23Member">IFRIC 23 - Uncertainty over Income Tax Treatments</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2150" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifric23Member">IFRIC 23 provides guidance on how to apply the recognition and measurement requirements in IAS 12 when there is uncertainty over income tax treatments.
If the entity considers that it is probable that the taxation authority will accept an uncertain tax treatment, the Interpretation requires the entity to determine taxable profit (tax loss), tax bases, unused tax losses, unused tax credits or tax rates consistently with the tax treatment used or planned to be used in its income tax filings.

If the entity considers that it is not probable that the taxation authority will accept an uncertain tax treatment, the Interpretation requires the entity to use the most likely amount or the expected value (sum of the probability. weighted amounts in a range of possible outcomes) in determining taxable profit (tax loss), tax bases, unused tax losses, unused tax credits and tax rates. The method used should be the method that the entity expects to provide the better prediction of the resolution of the uncertainty.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2151" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Ifric23Member">The interpretation will be applied to the accounting periods beginning on or after January 1, 2019.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:TitleOfNewIFRS id="ID_2152" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendedias28Member">Amended IAS 28 &#8211; Long-term Interests in Associates and Joint Ventures</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2153" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendedias28Member">The amendments to IAS 28 clarify that an entity is required to apply IFRS 9 to long term interests in an associate or joint venture that, in substance, form part of the net investment in the associate or joint venture but to which the equity method is not applied.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2154" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendedias28Member">The amendments will be applied to the accounting periods beginning on or after January 1, 2019.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:CashAndCashEquivalents id="ID_2155" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis_bbva_CashonhandMember" unitRef="EUR" decimals="-6">6346000000</ifrs-full:CashAndCashEquivalents>
  <ifrs-full:CashAndCashEquivalents id="ID_2156" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis_bbva_CashonhandMember" unitRef="EUR" decimals="-6">6220000000</ifrs-full:CashAndCashEquivalents>
  <ifrs-full:CashAndCashEquivalents id="ID_2157" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis_bbva_CashonhandMember" unitRef="EUR" decimals="-6">7413000000</ifrs-full:CashAndCashEquivalents>
  <ifrs-full:CashAndCashEquivalents id="ID_2158" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis_bbva_CashbalanceatcentralbanksMember" unitRef="EUR" decimals="-6">43880000000</ifrs-full:CashAndCashEquivalents>
  <ifrs-full:CashAndCashEquivalents id="ID_2159" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis_bbva_CashbalanceatcentralbanksMember" unitRef="EUR" decimals="-6">31718000000</ifrs-full:CashAndCashEquivalents>
  <ifrs-full:CashAndCashEquivalents id="ID_2160" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis_bbva_CashbalanceatcentralbanksMember" unitRef="EUR" decimals="-6">28671000000</ifrs-full:CashAndCashEquivalents>
  <ifrs-full:CashAndCashEquivalents id="ID_2161" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis_bbva_OtherdemanddepositsMember" unitRef="EUR" decimals="-6">7970000000</ifrs-full:CashAndCashEquivalents>
  <ifrs-full:CashAndCashEquivalents id="ID_2162" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis_bbva_OtherdemanddepositsMember" unitRef="EUR" decimals="-6">4742000000</ifrs-full:CashAndCashEquivalents>
  <ifrs-full:CashAndCashEquivalents id="ID_2163" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis_bbva_OtherdemanddepositsMember" unitRef="EUR" decimals="-6">3955000000</ifrs-full:CashAndCashEquivalents>
  <ifrs-full:TitleOfNewIFRS id="ID_2164" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendednic19Member">Amended IAS 19 &#8211; Plan Amendment, Curtailment or Settlement</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2165" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendednic19Member">The small amendments in IAS 19 concern the cases if a plan is amended, curtailed or settled during the period. In these cases, an entity should ensure that the current service cost and the net interest for the period after the remeasurement are determined using the assumptions used for the remeasurement. In addition, amendments have been included to clarify the effect of a plan amendment, curtailment or settlement on the requirements regarding the asset ceiling.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2166" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_Amendednic19Member">The amendments will be applied to the accounting periods beginning on or after January 1, 2019.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <bbva:Debtinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2167" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">53737000000</bbva:Debtinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Debtinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2168" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">66273000000</bbva:Debtinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Debtinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2169" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">74739000000</bbva:Debtinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Impairmentlossesofdebtinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2170" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">-28000000</bbva:Impairmentlossesofdebtinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Impairmentlossesofdebtinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2171" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">-21000000</bbva:Impairmentlossesofdebtinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Impairmentlossesofdebtinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2172" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">-159000000</bbva:Impairmentlossesofdebtinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Equityinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2173" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">2595000000</bbva:Equityinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Equityinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2174" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">4488000000</bbva:Equityinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Equityinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2175" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">4814000000</bbva:Equityinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Impairmentlossesofequityinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2176" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Impairmentlossesofequityinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Impairmentlossesofequityinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2177" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">-1264000000</bbva:Impairmentlossesofequityinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Impairmentlossesofequityinstrumentsatfairvaluethroughothercomprehensiveincome id="ID_2178" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">-174000000</bbva:Impairmentlossesofequityinstrumentsatfairvaluethroughothercomprehensiveincome>
  <bbva:Loansandadvancesatfairvaluethroughothercomprehensiveincome id="ID_2179" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">33000000</bbva:Loansandadvancesatfairvaluethroughothercomprehensiveincome>
  <bbva:Loansandadvancesatfairvaluethroughothercomprehensiveincome id="ID_2180" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Loansandadvancesatfairvaluethroughothercomprehensiveincome>
  <bbva:Loansandadvancesatfairvaluethroughothercomprehensiveincome id="ID_2181" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Loansandadvancesatfairvaluethroughothercomprehensiveincome>
  <ifrs-full:TitleOfNewIFRS id="ID_2182" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_AmendedIfrs3Member">Amended IFRS 3 &#8211; Definition of a business</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2183" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_AmendedIfrs3Member">The amendments clarify the difference between the acquisition of a business or the acquisition of a set of assets. To determine whether a transaction is an acquisition of a business, an entity should evaluate and conclude if the two following conditions are fulfilled:
the fair value of the acquired assets is not concentrated in one single asset or group of similar assets.
the entirety of acquired activities and assets includes, as a minimum, an input and a substantial process which, together, contribute to the capacity to create products.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2184" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_AmendedIfrs3Member">The amendments will be applied to the accounting periods beginning on or after January 1, 2020, although early application is permitted.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
  <ifrs-full:TitleOfNewIFRS id="ID_2185" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_AmendedIas1AndIas8Member">Amended IAS 1 and IAS 8 &#8211; Definition of material</ifrs-full:TitleOfNewIFRS>
  <ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy id="ID_2186" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_AmendedIas1AndIas8Member">The amendments clarify the definition of material in the elaboration of the financial statements by aligning the definition of the conceptual framework, IAS 1 and IAS 8 (which, before the amendments, included similar but not identical definitions). The new definition of material is the following: &#8220;Information is material if omitting, misstating or obscuring it could reasonably be expected to influence decisions that the primary users of general purpose financial statements make on the basis of those financial statements, which provide financial information about a specific reporting entity&#8221;.</ifrs-full:DescriptionOfNatureOfImpendingChangeInAccountingPolicy>
  <ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements id="ID_2187" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DateofapplicationnewifrsAxis_bbva_Afterdecember312018Member_ifrs-full_NewIFRSsAxis_bbva_AmendedIas1AndIas8Member">The amendments will be applied to the accounting periods beginning on or after January 1, 2020, although early application is permitted.</ifrs-full:DiscussionOfImpactThatInitialApplicationOfIFRSIsExpectedToHaveOnFinancialStatements>
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  <bbva:Unrealizedlossesdebtsecuritiesavailableforsalefinancialassets id="ID_2515" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CounterpartiesavaialbleforsaleAxis_bbva_OtherMember_bbva_GeographyavailablelforsaleAxis_country_US" unitRef="EUR" decimals="-6">-82000000</bbva:Unrealizedlossesdebtsecuritiesavailableforsalefinancialassets>
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  <bbva:Unrealizedlossesdebtsecuritiesavailableforsalefinancialassets id="ID_2812" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CounterpartiesavaialbleforsaleAxis_bbva_OtherissuersMember_bbva_GeographyavailablelforsaleAxis_country_US" unitRef="EUR" decimals="-6">-130000000</bbva:Unrealizedlossesdebtsecuritiesavailableforsalefinancialassets>
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  <bbva:Unrealizedlossesdebtsecuritiesavailableforsalefinancialassets id="ID_2816" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CounterpartiesavaialbleforsaleAxis_bbva_GeneralgovernmentMember_bbva_GeographyavailablelforsaleAxis_country_US" unitRef="EUR" decimals="-6">-131000000</bbva:Unrealizedlossesdebtsecuritiesavailableforsalefinancialassets>
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  <bbva:Amortizedcostdebtsecuritiesavailableforsalefinancialassets id="ID_2822" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CounterpartiesavaialbleforsaleAxis_bbva_StatesandpoliticalsubdivisionsMember_bbva_GeographyavailablelforsaleAxis_country_US" unitRef="EUR" decimals="-6">6758000000</bbva:Amortizedcostdebtsecuritiesavailableforsalefinancialassets>
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  <ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities id="ID_2882" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">The BBVA Group is an international diversified financial group with a significant presence in retail banking, wholesale banking, asset management and private banking. The Group also operates in other sectors such as insurance, real estate, operational leasing, etc.</ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities>
  <ifrs-full:PrincipalPlaceOfBusiness id="ID_2883" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">significant presence in retail banking, wholesale banking, asset management and private banking</ifrs-full:PrincipalPlaceOfBusiness>
  <bbva:Disclosureofmaingeographiesofactivity id="ID_2884" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">The BBVA Group&#8217;s activities are mainly located in Spain, Mexico, South America, the United States and
Turkey, with active presence in other countries</bbva:Disclosureofmaingeographiesofactivity>
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  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3013" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">2189000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3014" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3015" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">-1000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3016" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">2188000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3017" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">215000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3018" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">33000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3019" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">-7000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3020" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">241000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3021" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">11000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3022" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3023" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3024" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">11000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3025" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">8000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3026" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">25000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3027" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3028" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">33000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3029" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">4000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3030" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">1000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3031" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3032" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">5000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3033" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">192000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3034" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">7000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3035" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">-7000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3036" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">192000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3037" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">5248000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3038" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">355000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3039" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-962000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3040" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">4641000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Percentageoftotalshare id="ID_3041" contextRef="FROM_Jul01_2018_TO_Jul31_2018_Entity_0000842180_bbva_EntitiesAxis_bbva_BbvachileMember_bbva_TypeofvariationsinthegroupAxis_bbva_DivestituresMember">BBVA owned approximately, directly and indirectly, 68.19% of BBVA Chile share capital</bbva:Percentageoftotalshare>
  <bbva:Contractedpriceinothercurrencies id="ID_3042" contextRef="AS_OF_Jul06_2018_Entity_0000842180_bbva_EntitiesAxis_bbva_BbvachileMember_bbva_TypeofvariationsinthegroupAxis_bbva_DivestituresMember" unitRef="USD" decimals="-6">2200000000</bbva:Contractedpriceinothercurrencies>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3043" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">4483000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3044" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">306000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3045" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">-960000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3046" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">3829000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Gainnetoftaxes id="ID_3047" contextRef="AS_OF_Jul06_2018_Entity_0000842180_bbva_EntitiesAxis_bbva_BbvachileMember_bbva_TypeofvariationsinthegroupAxis_bbva_DivestituresMember" unitRef="EUR" decimals="-6">633000000</bbva:Gainnetoftaxes>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3048" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_IssuedinEurosMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">3690000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3049" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_IssuedinEurosMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">17000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3050" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_IssuedinEurosMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">-944000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3051" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_IssuedinEurosMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">2763000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3052" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_CreditinstitutionsMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3053" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_CreditinstitutionsMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3054" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_CreditinstitutionsMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3055" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_CreditinstitutionsMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3056" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">3690000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3057" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">17000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3058" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">-944000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3059" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">2763000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3060" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">793000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3061" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">289000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3062" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">-15000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3063" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">1066000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3064" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">16000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3065" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">22000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3066" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3067" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">38000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3068" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">8000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3069" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">33000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3070" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3071" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">41000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3072" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">5000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3073" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">1000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3074" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3075" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">6000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3076" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">763000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3077" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">234000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3078" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">-15000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3079" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_EquityinstrumentslistedMember" unitRef="EUR" decimals="-6">981000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Percentageofequitysale id="ID_3080" contextRef="FROM_Jul01_2018_TO_Jul31_2018_Entity_0000842180_bbva_EntitiesAxis_bbva_BbvachileMember_bbva_TypeofvariationsinthegroupAxis_bbva_DivestituresMember">68.19% of BBVA Chile share capital</bbva:Percentageofequitysale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3081" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">766000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3082" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">48000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3083" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">-3000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3084" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">811000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3085" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_IssuedinEurosMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">57000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3086" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_IssuedinEurosMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">2000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3087" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_IssuedinEurosMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">-1000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3088" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_IssuedinEurosMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">59000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3089" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_CreditinstitutionsMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">4000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3090" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_CreditinstitutionsMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3091" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_CreditinstitutionsMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3092" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_CreditinstitutionsMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">4000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3093" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">53000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3094" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">2000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3095" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">-1000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3096" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherissuersMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">55000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3097" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">708000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3098" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">46000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3099" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">-2000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3100" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_ListedforeigncompanysharesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">752000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3101" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">537000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3102" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">13000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3103" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3104" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_UsaMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">550000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3105" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">1000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3106" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3107" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3108" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_MX_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">1000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3109" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">18000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3110" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">7000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3111" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">-2000000</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3112" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_country_TK_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">24000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1 id="ID_3113" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">152000000</bbva:Amortizedcostequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1 id="ID_3114" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">26000000</bbva:Unrealizedgainsequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1 id="ID_3115" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">0</bbva:Unrealizedlossesequityinstrumentsavailableforsalefinancialassets1>
  <bbva:Subtotalequityinstrumentsavailableforsale id="ID_3116" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_GeographyequityinstrumentsAxis_bbva_OtherCountriesMember_bbva_TypeofequityinstrumentaxisAxis_bbva_UnlistedequityinstrumentsMember" unitRef="EUR" decimals="-6">178000000</bbva:Subtotalequityinstrumentsavailableforsale>
  <bbva:Resultofthetransaction id="ID_3117" contextRef="FROM_Oct01_2018_TO_Oct31_2018_Entity_0000842180_bbva_EntitiesAxis_bbva_TotalMember_bbva_TypeofvariationsinthegroupAxis_bbva_RealestateactivityMember">BBVA reached an agreement with a subsidiary of Cerberus Capital Management, L.P. (&#8220;Cerberus&#8221;) for the creation of a &#8220;joint venture&#8221; to which an important part of the real estate business of BBVA in Spain is transferred (the &#8220;Business&#8221;).</bbva:Resultofthetransaction>
  <bbva:Wholebussinesvalue id="ID_3118" contextRef="AS_OF_Oct10_2018_Entity_0000842180_bbva_EntitiesAxis_bbva_TotalMember_bbva_TypeofvariationsinthegroupAxis_bbva_RealestateactivityMember" unitRef="EUR" decimals="-6">5000000000</bbva:Wholebussinesvalue>
  <bbva:Percentageofequitysale id="ID_3119" contextRef="FROM_Oct01_2018_TO_Oct31_2018_Entity_0000842180_bbva_EntitiesAxis_bbva_TotalMember_bbva_TypeofvariationsinthegroupAxis_bbva_RealestateactivityMember">Closing of the transaction has resulted in the sale of 80% of the share capital of the company Divarian Propiedad, S.A. to an entity managed by Cerberus</bbva:Percentageofequitysale>
  <bbva:Resultofthetransaction id="ID_3120" contextRef="FROM_Feb01_2017_TO_Feb28_2017_Entity_0000842180_bbva_EntitiesAxis_bbva_TurkiyegarantiMember_bbva_TypeofvariationsinthegroupAxis_bbva_InvestmentMember">BBVA Group entered into an agreement for the acquisition from Dogus Holding A.S. and Dogus Arastirma Gelistirme ve Musavirlik Hizmetleri A.S of 41,790,000,000 shares of Turkiye Garanti Bankasi, A.S. (&#8220;Garanti Bank&#8221;)</bbva:Resultofthetransaction>
  <bbva:Purchaseoftreasurysharespercentage id="ID_3121" contextRef="FROM_Feb01_2017_TO_Feb28_2017_Entity_0000842180_bbva_EntitiesAxis_bbva_TurkiyegarantiMember_bbva_TypeofvariationsinthegroupAxis_bbva_InvestmentMember">9.95%</bbva:Purchaseoftreasurysharespercentage>
  <bbva:Loansandadvancestocentralbanks id="ID_3122" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">3941000000</bbva:Loansandadvancestocentralbanks>
  <bbva:Loansandadvancestocentralbanks id="ID_3123" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">7300000000</bbva:Loansandadvancestocentralbanks>
  <bbva:Loansandadvancestocentralbanks id="ID_3124" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">8894000000</bbva:Loansandadvancestocentralbanks>
  <bbva:Percentageoftotalshare id="ID_3125" contextRef="FROM_Mar01_2017_TO_Mar31_2017_Entity_0000842180_bbva_EntitiesAxis_bbva_TurkiyegarantiMember_bbva_TypeofvariationsinthegroupAxis_bbva_InvestmentMember">the sale and purchase agreement was completed, and therefore BBVA&#180;s total stake in Garanti Bank as of December 31, 2017 amounts to 49.85%</bbva:Percentageoftotalshare>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_3126" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">9163000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_3127" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">26261000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_3128" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">31373000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_3129" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_OtheraccountsMember" unitRef="EUR" decimals="-6">8685000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_3130" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_OtheraccountsMember" unitRef="EUR" decimals="-6">12400000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_3131" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_OtheraccountsMember" unitRef="EUR" decimals="-6">15812000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_3132" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_ReverserepurchaseagreementsMember" unitRef="EUR" decimals="-6">478000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_3133" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_ReverserepurchaseagreementsMember" unitRef="EUR" decimals="-6">13861000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_3134" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_ReverserepurchaseagreementsMember" unitRef="EUR" decimals="-6">15561000000</ifrs-full:LoansAndAdvancesToBanks>
  <bbva:Resultofthetransaction id="ID_3135" contextRef="FROM_Mar01_2016_TO_Mar31_2016_Entity_0000842180_bbva_EntitiesAxis_bbva_TotalMember_bbva_TypeofvariationsinthegroupAxis_bbva_InvestmentMember">The BBVA Group, at its Board of Directors meeting held on March 31, 2016, adopted a resolution to begin a merger process of BBVA S.A. (absorbing company), Catalunya Banc, S.A., Banco Depositario BBVA, S.A. y Unoe Bank, S.A.
This transaction was part of the corporate reorganization of its banking subsidiaries in Spain, was successfully completed throughout 2016 and has no impact in the Consolidated Financial Statements both from the accounting and the solvency stand points.</bbva:Resultofthetransaction>
  <bbva:Totalloansandadvancestobanksandcreditinstitutions id="ID_3136" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_ImpairmentlossesvaluationadjustmentsMember" unitRef="EUR" decimals="-6">-18000000</bbva:Totalloansandadvancestobanksandcreditinstitutions>
  <bbva:Totalloansandadvancestobanksandcreditinstitutions id="ID_3137" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_ImpairmentlossesvaluationadjustmentsMember" unitRef="EUR" decimals="-6">-36000000</bbva:Totalloansandadvancestobanksandcreditinstitutions>
  <bbva:Totalloansandadvancestobanksandcreditinstitutions id="ID_3138" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_ImpairmentlossesvaluationadjustmentsMember" unitRef="EUR" decimals="-6">-43000000</bbva:Totalloansandadvancestobanksandcreditinstitutions>
  <bbva:Totalloansandadvancestobanksandcreditinstitutions id="ID_3139" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">13104000000</bbva:Totalloansandadvancestobanksandcreditinstitutions>
  <bbva:Totalloansandadvancestobanksandcreditinstitutions id="ID_3140" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">33561000000</bbva:Totalloansandadvancestobanksandcreditinstitutions>
  <bbva:Totalloansandadvancestobanksandcreditinstitutions id="ID_3141" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TypesofloansandadvancesaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">40267000000</bbva:Totalloansandadvancestobanksandcreditinstitutions>
  <ifrs-full:LoansAndReceivables id="ID_3142" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CounterpartiesloanstocustomersaxisAxis_bbva_CustomersMember_bbva_TypesofloansandreceivablesaxisAxis_ifrs-full_OnDemandMember" unitRef="EUR" decimals="-6">3641000000</ifrs-full:LoansAndReceivables>
  <ifrs-full:LoansAndReceivables id="ID_3143" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CounterpartiesloanstocustomersaxisAxis_bbva_CustomersMember_bbva_TypesofloansandreceivablesaxisAxis_ifrs-full_OnDemandMember" unitRef="EUR" decimals="-6">10560000000</ifrs-full:LoansAndReceivables>
  <ifrs-full:LoansAndReceivables id="ID_3144" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CounterpartiesloanstocustomersaxisAxis_bbva_CustomersMember_bbva_TypesofloansandreceivablesaxisAxis_ifrs-full_OnDemandMember" unitRef="EUR" decimals="-6">11251000000</ifrs-full:LoansAndReceivables>
  <ifrs-full:LoansAndReceivables id="ID_3145" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CounterpartiesloanstocustomersaxisAxis_bbva_CustomersMember_bbva_TypesofloansandreceivablesaxisAxis_bbva_CreditcarddebtMember" unitRef="EUR" decimals="-6">15445000000</ifrs-full:LoansAndReceivables>
  <ifrs-full:LoansAndReceivables id="ID_3146" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CounterpartiesloanstocustomersaxisAxis_bbva_CustomersMember_bbva_TypesofloansandreceivablesaxisAxis_bbva_CreditcarddebtMember" unitRef="EUR" decimals="-6">15835000000</ifrs-full:LoansAndReceivables>
  <ifrs-full:LoansAndReceivables id="ID_3147" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CounterpartiesloanstocustomersaxisAxis_bbva_CustomersMember_bbva_TypesofloansandreceivablesaxisAxis_bbva_CreditcarddebtMember" unitRef="EUR" decimals="-6">16596000000</ifrs-full:LoansAndReceivables>
  <ifrs-full:LoansAndReceivables id="ID_3148" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CounterpartiesloanstocustomersaxisAxis_bbva_CustomersMember_bbva_TypesofloansandreceivablesaxisAxis_ifrs-full_TradeReceivablesMember" unitRef="EUR" decimals="-6">17436000000</ifrs-full:LoansAndReceivables>
  <ifrs-full:LoansAndReceivables id="ID_3149" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CounterpartiesloanstocustomersaxisAxis_bbva_CustomersMember_bbva_TypesofloansandreceivablesaxisAxis_ifrs-full_TradeReceivablesMember" unitRef="EUR" decimals="-6">22705000000</ifrs-full:LoansAndReceivables>
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  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3234" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_WithoutratingMember" unitRef="EUR" decimals="-6">1071000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3235" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_TotalexposuresMember" unitRef="EUR" decimals="-6">66251000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3236" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Aaa1Member" unitRef="EUR" decimals="-6">4922000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3237" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Aa1Member" unitRef="EUR" decimals="-6">11172000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3238" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AA2Member" unitRef="EUR" decimals="-6">594000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3239" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AA3Member" unitRef="EUR" decimals="-6">575000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3240" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AMember" unitRef="EUR" decimals="-6">1230000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3241" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_A1Member" unitRef="EUR" decimals="-6">7442000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3242" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_A2Member" unitRef="EUR" decimals="-6">1719000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3243" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb4Member" unitRef="EUR" decimals="-6">29569000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3244" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb5Member" unitRef="EUR" decimals="-6">3233000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3245" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb3Member" unitRef="EUR" decimals="-6">6809000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3246" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_BbMember" unitRef="EUR" decimals="-6">2055000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3247" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_WithoutratingMember" unitRef="EUR" decimals="-6">5261000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3248" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_TotalexposuresMember" unitRef="EUR" decimals="-6">74580000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <ifrs-full:IssueOfEquity id="ID_3249" contextRef="FROM_Mar01_2017_TO_Mar31_2017_Entity_0000842180" unitRef="EUR" decimals="2">49622955.62</ifrs-full:IssueOfEquity>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3250" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Aaa1Member" unitRef="pure" decimals="INF">0.01</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3251" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Aa1Member" unitRef="pure" decimals="INF">0.162</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3252" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AA2Member" unitRef="pure" decimals="INF">0.008</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3253" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AA3Member" unitRef="pure" decimals="INF">0.004</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3254" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AMember" unitRef="pure" decimals="INF">0.01</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3255" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_A1Member" unitRef="pure" decimals="INF">0.01</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3256" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_A2Member" unitRef="pure" decimals="INF">0.02</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3257" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb4Member" unitRef="pure" decimals="INF">0.531</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3258" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb5Member" unitRef="pure" decimals="INF">0.12</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3259" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb3Member" unitRef="pure" decimals="INF">0.084</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3260" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_BbMember" unitRef="pure" decimals="INF">0.024</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3261" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_WithoutratingMember" unitRef="pure" decimals="INF">0.016</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3262" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_TotalexposuresMember" unitRef="pure" decimals="INF">1</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3263" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Aaa1Member" unitRef="pure" decimals="INF">0.066</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3264" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Aa1Member" unitRef="pure" decimals="INF">0.15</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3265" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AA2Member" unitRef="pure" decimals="INF">0.008</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3266" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AA3Member" unitRef="pure" decimals="INF">0.008</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3267" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AMember" unitRef="pure" decimals="INF">0.016</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3268" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_A1Member" unitRef="pure" decimals="INF">0.1</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3269" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_A2Member" unitRef="pure" decimals="INF">0.023</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3270" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb4Member" unitRef="pure" decimals="INF">0.396</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3271" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb5Member" unitRef="pure" decimals="INF">0.043</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3272" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb3Member" unitRef="pure" decimals="INF">0.091</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3273" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_BbMember" unitRef="pure" decimals="INF">0.028</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3274" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_WithoutratingMember" unitRef="pure" decimals="INF">0.071</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3275" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_TotalexposuresMember" unitRef="pure" decimals="INF">1</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <ifrs-full:NumberOfSharesIssued id="ID_3276" contextRef="AS_OF_Mar29_2017_Entity_0000842180" unitRef="shares" decimals="0">101271338</ifrs-full:NumberOfSharesIssued>
  <bbva:Percentageofownerswhohaveoptedtoreceivenewlyissuedbbvaordinaryshares id="ID_3277" contextRef="FROM_Mar01_2017_TO_Mar31_2017_Entity_0000842180">83.28%</bbva:Percentageofownerswhohaveoptedtoreceivenewlyissuedbbvaordinaryshares>
  <bbva:Percentageofownerswhohaveoptedtoselltherightsoffreeallocationassignedtothemtobbva id="ID_3278" contextRef="FROM_Mar01_2017_TO_Mar31_2017_Entity_0000842180">16.72%</bbva:Percentageofownerswhohaveoptedtoselltherightsoffreeallocationassignedtothemtobbva>
  <bbva:Numberofrightsadquiredbybbva id="ID_3279" contextRef="FROM_Mar01_2017_TO_Mar31_2017_Entity_0000842180" unitRef="shares" decimals="0">1097962903</bbva:Numberofrightsadquiredbybbva>
  <bbva:Totalamountofnumberofsharesadquired id="ID_3280" contextRef="FROM_Mar01_2017_TO_Mar31_2017_Entity_0000842180" unitRef="EUR" decimals="2">143833140.29</bbva:Totalamountofnumberofsharesadquired>
  <bbva:Priceperright id="ID_3281" contextRef="FROM_Mar01_2017_TO_Mar31_2017_Entity_0000842180" unitRef="EURSHARE" decimals="3">0.131</bbva:Priceperright>
  <ifrs-full:IssueOfEquity id="ID_3282" contextRef="FROM_Sep01_2016_TO_Sep30_2016_Entity_0000842180" unitRef="EUR" decimals="2">42266085.33</ifrs-full:IssueOfEquity>
  <ifrs-full:NumberOfSharesIssued id="ID_3283" contextRef="AS_OF_Sep28_2016_Entity_0000842180" unitRef="shares" decimals="0">86257317</ifrs-full:NumberOfSharesIssued>
  <ifrs-full:ParValuePerShare id="ID_3284" contextRef="AS_OF_Mar29_2017_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.49</ifrs-full:ParValuePerShare>
  <ifrs-full:ParValuePerShare id="ID_3285" contextRef="AS_OF_Sep28_2016_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.49</ifrs-full:ParValuePerShare>
  <bbva:Percentageofownerswhohaveoptedtoreceivenewlyissuedbbvaordinaryshares id="ID_3286" contextRef="FROM_Sep01_2016_TO_Sep30_2016_Entity_0000842180">87.85%</bbva:Percentageofownerswhohaveoptedtoreceivenewlyissuedbbvaordinaryshares>
  <bbva:Percentageofownerswhohaveoptedtoselltherightsoffreeallocationassignedtothemtobbva id="ID_3287" contextRef="FROM_Sep01_2016_TO_Sep30_2016_Entity_0000842180">12.15%</bbva:Percentageofownerswhohaveoptedtoselltherightsoffreeallocationassignedtothemtobbva>
  <bbva:Numberofrightsadquiredbybbva id="ID_3288" contextRef="FROM_Sep01_2016_TO_Sep30_2016_Entity_0000842180" unitRef="shares" decimals="0">787374942</bbva:Numberofrightsadquiredbybbva>
  <bbva:Totalamountofnumberofsharesadquired id="ID_3289" contextRef="FROM_Sep01_2016_TO_Sep30_2016_Entity_0000842180" unitRef="EUR" decimals="2">62989995.36</bbva:Totalamountofnumberofsharesadquired>
  <bbva:Priceperright id="ID_3290" contextRef="FROM_Sep01_2016_TO_Sep30_2016_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.08</bbva:Priceperright>
  <ifrs-full:IssueOfEquity id="ID_3291" contextRef="FROM_Mar01_2016_TO_Mar31_2016_Entity_0000842180" unitRef="EUR" decimals="2">55702125.43</ifrs-full:IssueOfEquity>
  <ifrs-full:NumberOfSharesIssued id="ID_3292" contextRef="AS_OF_Mar31_2016_Entity_0000842180" unitRef="shares" decimals="0">113677807</ifrs-full:NumberOfSharesIssued>
  <ifrs-full:ParValuePerShare id="ID_3293" contextRef="AS_OF_Mar31_2016_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.49</ifrs-full:ParValuePerShare>
  <bbva:Percentageofownerswhohaveoptedtoreceivenewlyissuedbbvaordinaryshares id="ID_3294" contextRef="FROM_Mar01_2016_TO_Mar31_2016_Entity_0000842180">82.13%</bbva:Percentageofownerswhohaveoptedtoreceivenewlyissuedbbvaordinaryshares>
  <bbva:Percentageofownerswhohaveoptedtoselltherightsoffreeallocationassignedtothemtobbva id="ID_3295" contextRef="FROM_Mar01_2016_TO_Mar31_2016_Entity_0000842180">17.87%</bbva:Percentageofownerswhohaveoptedtoselltherightsoffreeallocationassignedtothemtobbva>
  <bbva:Numberofrightsadquiredbybbva id="ID_3296" contextRef="FROM_Mar01_2016_TO_Mar31_2016_Entity_0000842180" unitRef="shares" decimals="0">1137500965</bbva:Numberofrightsadquiredbybbva>
  <bbva:Totalamountofnumberofsharesadquired id="ID_3297" contextRef="FROM_Mar01_2016_TO_Mar31_2016_Entity_0000842180" unitRef="EUR" decimals="2">146737624.49</bbva:Totalamountofnumberofsharesadquired>
  <bbva:Priceperright id="ID_3298" contextRef="FROM_Mar01_2016_TO_Mar31_2016_Entity_0000842180" unitRef="EURSHARE" decimals="3">0.129</bbva:Priceperright>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_3299" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_ifrs-full_GovernmentMember" unitRef="EUR" decimals="-6">28114000000</ifrs-full:LoansAndAdvancesToCustomers>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_3300" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_ifrs-full_GovernmentMember" unitRef="EUR" decimals="-6">31645000000</ifrs-full:LoansAndAdvancesToCustomers>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_3301" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_FinancialsocietiesMember" unitRef="EUR" decimals="-6">9468000000</ifrs-full:LoansAndAdvancesToCustomers>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_3302" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_FinancialsocietiesMember" unitRef="EUR" decimals="-6">18173000000</ifrs-full:LoansAndAdvancesToCustomers>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_3303" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_NonfinancialsocietiesMember" unitRef="EUR" decimals="-6">163922000000</ifrs-full:LoansAndAdvancesToCustomers>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_3304" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_NonfinancialsocietiesMember" unitRef="EUR" decimals="-6">164510000000</ifrs-full:LoansAndAdvancesToCustomers>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_3305" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_RestofclientsMember" unitRef="EUR" decimals="-6">172522000000</ifrs-full:LoansAndAdvancesToCustomers>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_3306" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_RestofclientsMember" unitRef="EUR" decimals="-6">173293000000</ifrs-full:LoansAndAdvancesToCustomers>
  <bbva:Totalfinancialassetsatamortisedcost id="ID_3307" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">419660000000</bbva:Totalfinancialassetsatamortisedcost>
  <bbva:Totalfinancialassetsatamortisedcost id="ID_3308" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">445275000000</bbva:Totalfinancialassetsatamortisedcost>
  <bbva:Totalfinancialassetsatamortisedcost id="ID_3309" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">483672000000</bbva:Totalfinancialassetsatamortisedcost>
  <ifrs-full:DividendsPaidOrdinarySharesPerShare id="ID_3310" contextRef="FROM_Jun01_2016_TO_Jun30_2016_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.08</ifrs-full:DividendsPaidOrdinarySharesPerShare>
  <bbva:Netdividendspaidordinarysharespershare id="ID_3311" contextRef="FROM_Jun01_2016_TO_Jun30_2016_Entity_0000842180" unitRef="EURSHARE" decimals="4">0.0648</bbva:Netdividendspaidordinarysharespershare>
  <ifrs-full:DividendsPaid id="ID_3312" contextRef="FROM_Jul01_2016_TO_Jul31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">517000000</ifrs-full:DividendsPaid>
  <ifrs-full:DividendsPaidOrdinarySharesPerShare id="ID_3313" contextRef="FROM_Dec01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.08</ifrs-full:DividendsPaidOrdinarySharesPerShare>
  <bbva:Netdividendspaidordinarysharespershare id="ID_3314" contextRef="FROM_Dec01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EURSHARE" decimals="4">0.0648</bbva:Netdividendspaidordinarysharespershare>
  <ifrs-full:DividendsPaid id="ID_3315" contextRef="FROM_Feb01_2017_TO_Feb28_2017_Entity_0000842180" unitRef="EUR" decimals="-6">525000000</ifrs-full:DividendsPaid>
  <ifrs-full:DividendsPaidOrdinarySharesPerShare id="ID_3316" contextRef="FROM_Sep01_2017_TO_Sep30_2017_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.09</ifrs-full:DividendsPaidOrdinarySharesPerShare>
  <bbva:Netdividendspaidordinarysharespershare id="ID_3317" contextRef="FROM_Sep01_2017_TO_Sep30_2017_Entity_0000842180" unitRef="EURSHARE" decimals="4">0.0729</bbva:Netdividendspaidordinarysharespershare>
  <ifrs-full:DividendsPaid id="ID_3318" contextRef="FROM_Oct01_2017_TO_Oct31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">599000000</ifrs-full:DividendsPaid>
  <ifrs-full:DividendsPaidOrdinarySharesPerShare id="ID_3319" contextRef="FROM_Mar01_2018_TO_Mar31_2018_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.15</ifrs-full:DividendsPaidOrdinarySharesPerShare>
  <bbva:Netdividendspaidordinarysharespershare id="ID_3320" contextRef="FROM_Mar01_2018_TO_Mar31_2018_Entity_0000842180" unitRef="EURSHARE" decimals="4">0.1215</bbva:Netdividendspaidordinarysharespershare>
  <ifrs-full:DividendsPaid id="ID_3321" contextRef="FROM_Apr01_2018_TO_Apr30_2018_Entity_0000842180" unitRef="EUR" decimals="-6">996000000</ifrs-full:DividendsPaid>
  <ifrs-full:DividendsPaidOrdinarySharesPerShare id="ID_3322" contextRef="FROM_Sep01_2018_TO_Sep30_2018_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.1</ifrs-full:DividendsPaidOrdinarySharesPerShare>
  <bbva:Netdividendspaidordinarysharespershare id="ID_3323" contextRef="FROM_Sep01_2018_TO_Sep30_2018_Entity_0000842180" unitRef="EURSHARE" decimals="4">0.081</bbva:Netdividendspaidordinarysharespershare>
  <ifrs-full:DividendsPaid id="ID_3324" contextRef="FROM_Oct01_2018_TO_Oct31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">663000000</ifrs-full:DividendsPaid>
  <bbva:Subtotaldebtinstrumentsatamortizedcost id="ID_3325" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_BreakdownofdebtsecuritiesbycreditratingAxis_srt_StandardPoorsAAARatingMember" unitRef="EUR" decimals="-6">49000000</bbva:Subtotaldebtinstrumentsatamortizedcost>
  <bbva:Subtotaldebtinstrumentsatamortizedcost id="ID_3326" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_BreakdownofdebtsecuritiesbycreditratingAxis_srt_StandardPoorsAAPlusRatingMember" unitRef="EUR" decimals="-6">1969000000</bbva:Subtotaldebtinstrumentsatamortizedcost>
  <bbva:Subtotaldebtinstrumentsatamortizedcost id="ID_3327" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_BreakdownofdebtsecuritiesbycreditratingAxis_srt_StandardPoorsAARatingMember" unitRef="EUR" decimals="-6">62000000</bbva:Subtotaldebtinstrumentsatamortizedcost>
  <bbva:Subtotaldebtinstrumentsatamortizedcost id="ID_3328" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_BreakdownofdebtsecuritiesbycreditratingAxis_srt_StandardPoorsAAMinusRatingMember" unitRef="EUR" decimals="-6">0</bbva:Subtotaldebtinstrumentsatamortizedcost>
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  <bbva:Probabilityofdefaultinbasispoints id="ID_3849" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAAMinusRatingMember">AA-</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3850" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAPlusRatingMember">A+</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3851" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsARatingMember">A</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3852" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAMinusRatingMember">A-</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3853" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBPlusRatingMember">BBB+</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3854" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBRatingMember">BBB</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3855" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBMinusRatingMember">BBB-</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3856" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBPlusRatingMember">BB+</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3857" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBRatingMember">BB</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3858" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBMinusRatingMember">BB-</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3859" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBPlusRatingMember">B+</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3860" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBRatingMember">B</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3861" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBMinusRatingMember">B-</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3862" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCPlusRatingMember">CCC+</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3863" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCRatingMember">CCC</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3864" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCMinusRatingMember">CCC-</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3865" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_bbva_StandardpoorsccplusratingmemberMember">CC+</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3866" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCRatingMember">CC</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3867" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_ReducedscaleMember_ifrs-full_InternalCreditGradesAxis_bbva_BelowratingmemberMember">CC-</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3868" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAAARatingMember">1</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3869" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAAPlusRatingMember">2</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3870" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAARatingMember">3</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3871" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAAMinusRatingMember">4</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3872" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAPlusRatingMember">5</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3873" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsARatingMember">8</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3874" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAMinusRatingMember">10</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3875" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBPlusRatingMember">14</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3876" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBRatingMember">20</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3877" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBMinusRatingMember">31</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3878" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBPlusRatingMember">51</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3879" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBRatingMember">88</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3880" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBMinusRatingMember">150</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3881" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBPlusRatingMember">255</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3882" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBRatingMember">441</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3883" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBMinusRatingMember">785</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3884" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCPlusRatingMember">1.191</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3885" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCRatingMember">1.500</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3886" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCMinusRatingMember">1.890</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3887" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_bbva_StandardpoorsccplusratingmemberMember">2.381</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3888" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCRatingMember">3.000</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3889" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_AverageMember_ifrs-full_InternalCreditGradesAxis_bbva_BelowratingmemberMember">3.780</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3890" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAAARatingMember">-</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3891" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAAARatingMember">2</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3892" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAAPlusRatingMember">2</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3893" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAAPlusRatingMember">3</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3894" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAARatingMember">3</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3895" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAARatingMember">4</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3896" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAAMinusRatingMember">4</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3897" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAAMinusRatingMember">5</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3898" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAPlusRatingMember">5</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3899" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAPlusRatingMember">6</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3900" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsARatingMember">6</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3901" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsARatingMember">9</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3902" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAMinusRatingMember">9</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3903" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsAMinusRatingMember">11</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3904" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBPlusRatingMember">11</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3905" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBPlusRatingMember">17</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3906" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBRatingMember">17</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3907" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBRatingMember">24</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3908" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBMinusRatingMember">24</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3909" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBBMinusRatingMember">39</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3910" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBPlusRatingMember">39</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3911" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBPlusRatingMember">67</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3912" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBRatingMember">67</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3913" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBRatingMember">116</bbva:Probabilityofdefaultinbasispoints>
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  <bbva:Probabilityofdefaultinbasispoints id="ID_3915" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBBMinusRatingMember">194</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3916" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBPlusRatingMember">194</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3917" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBPlusRatingMember">335</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3918" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBRatingMember">335</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3919" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBRatingMember">581</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3920" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBMinusRatingMember">581</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3921" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsBMinusRatingMember">1.061</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3922" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCPlusRatingMember">1.061</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3923" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCPlusRatingMember">1.336</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3924" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCRatingMember">1.336</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3925" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCRatingMember">1.684</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3926" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCMinusRatingMember">1.684</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3927" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCCMinusRatingMember">2.121</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3928" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_bbva_StandardpoorsccplusratingmemberMember">2.121</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3929" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_bbva_StandardpoorsccplusratingmemberMember">2.673</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3930" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCRatingMember">2.673</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3931" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_srt_StandardPoorsCCRatingMember">3.367</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3932" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_srt_MinimumMember_ifrs-full_InternalCreditGradesAxis_bbva_BelowratingmemberMember">3.367</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3933" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofexternalcreditexposuresaxisAxis_bbva_ExternalratingMember_bbva_DisclosureofscaleaxisAxis_bbva_MaximunMember_ifrs-full_InternalCreditGradesAxis_bbva_BelowratingmemberMember">4.243</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3934" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_ifrs-full_ProbabilityOfDefaultMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from0to2Member">0 to 2</bbva:Probabilityofdefaultinbasispoints>
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  <bbva:Probabilityofdefaultinbasispoints id="ID_3936" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_SubjecttolifetimeeclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from0to2Member">0,0</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3937" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_ifrs-full_ProbabilityOfDefaultMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from2to5Member">2 to 5</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3938" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_Subjectto12montheclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from2to5Member">10,8</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3939" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_SubjecttolifetimeeclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from2to5Member">0,1</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3940" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_ifrs-full_ProbabilityOfDefaultMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from5to11Member">5 to 11</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3941" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_Subjectto12montheclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from5to11Member">6,3</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3942" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_SubjecttolifetimeeclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from5to11Member">0,0</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3943" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_ifrs-full_ProbabilityOfDefaultMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from11to39Member">11 to 39</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3944" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_Subjectto12montheclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from11to39Member">20,9</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3945" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_SubjecttolifetimeeclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from11to39Member">0,4</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3946" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_ifrs-full_ProbabilityOfDefaultMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from39to194Member">39 to 194</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3947" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_Subjectto12montheclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from39to194Member">30,1</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3948" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_SubjecttolifetimeeclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from39to194Member">1,8</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3949" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_ifrs-full_ProbabilityOfDefaultMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from194to1061Member">194 to 1,061</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3950" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_Subjectto12montheclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from194to1061Member">12,2</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3951" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_SubjecttolifetimeeclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from194to1061Member">3,6</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3952" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_ifrs-full_ProbabilityOfDefaultMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from1061to2121Member">1,061 to 2,121</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3953" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_Subjectto12montheclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from1061to2121Member">1,6</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3954" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_SubjecttolifetimeeclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from1061to2121Member">1,2</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3955" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_ifrs-full_ProbabilityOfDefaultMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from2121to4243Member">&gt; 2,021</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3956" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_Subjectto12montheclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from2121to4243Member">0,2</bbva:Probabilityofdefaultinbasispoints>
  <bbva:Probabilityofdefaultinbasispoints id="ID_3957" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofprobabilityofdefaultaxisAxis_bbva_SubjecttolifetimeeclMember_bbva_ProbabilityofdefaultinbasicpointsAxis_bbva_from2121to4243Member">1,2</bbva:Probabilityofdefaultinbasispoints>
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  <ifrs-full:FinancialAssets id="ID_3960" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsthatareeitherpastdueorimpairedclassesoffinancialinstrumentsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ImpairmentOfFinancialAssetsAxis_bbva_AssetswithoutsignificantincreaseincreditriskMember_ifrs-full_PastDueStatusAxis_ifrs-full_CurrentMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssets>
  <ifrs-full:FinancialAssets id="ID_3961" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsthatareeitherpastdueorimpairedclassesoffinancialinstrumentsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ImpairmentOfFinancialAssetsAxis_bbva_AssetswithoutsignificantincreaseincreditriskMember_ifrs-full_PastDueStatusAxis_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssets>
  <ifrs-full:FinancialAssets id="ID_3962" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsthatareeitherpastdueorimpairedclassesoffinancialinstrumentsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ImpairmentOfFinancialAssetsAxis_bbva_AssetswithoutsignificantincreaseincreditriskMember_ifrs-full_PastDueStatusAxis_ifrs-full_LaterThanThreeMonthsMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssets>
  <ifrs-full:FinancialAssets id="ID_3963" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsthatareeitherpastdueorimpairedclassesoffinancialinstrumentsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ImpairmentOfFinancialAssetsAxis_bbva_AssetssignificantlyincreasedincreditriskMember_ifrs-full_PastDueStatusAxis_ifrs-full_CurrentMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssets>
  <ifrs-full:FinancialAssets id="ID_3964" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsthatareeitherpastdueorimpairedclassesoffinancialinstrumentsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ImpairmentOfFinancialAssetsAxis_bbva_AssetssignificantlyincreasedincreditriskMember_ifrs-full_PastDueStatusAxis_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssets>
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  <ifrs-full:FinancialAssets id="ID_4258" contextRef=" " unitRef="EUR" decimals="-6">839000000</ifrs-full:FinancialAssets>
  <ifrs-full:FinancialAssets id="ID_4259" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsthatareeitherpastdueorimpairedloansandreceivablesimpairmentoffinancialassetsAxis_bbva_ImpairedassetsMember_bbva_DisclosureoffinancialassetsthatareeitherpastdueorimpairedloansandreceivablesimpairmentoffinancialassetspastduestatusAxis_ifrs-full_CurrentMember_bbva_DisclosureoffinancialassetsthatareeitherpastdueorimpairedloansandreceivablesimpairmentoffinancialassetstypesofloansandreceivablesAxis_bbva_OfwhichprojectfinanceloansMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssets>
  <ifrs-full:FinancialAssets id="ID_4260" contextRef=" " unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssets>
  <ifrs-full:FinancialAssets id="ID_4261" contextRef=" " unitRef="EUR" decimals="-6">71000000</ifrs-full:FinancialAssets>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4262" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_GeneralgovernementMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">128000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4263" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_CreditinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">10000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4264" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherfinancialinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">11000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4265" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_NonfinancialcorporationsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">8372000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4266" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AgricultureforestryandfishingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">122000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4267" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_MiningandquarryingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">96000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4268" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ManufacturingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">1695000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4269" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ElectricitygasMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">585000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4270" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WatersupplyMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">19000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4271" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ConstructionMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">1488000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4272" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WholesaleandretailtradeMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">1624000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4273" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TransportandstorageMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">459000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4274" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AccommodationandfoodserviceactiviesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">315000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4275" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_InformationandcommunicationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">113000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4276" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_FinancialAndInsuranceActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">147000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4277" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_RealestateactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">834000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4278" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ProfessionalscientificandtecnicalactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">204000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4279" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AdministrativeandsupportserviceactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">128000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4280" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_PublicadministrationanddefenseMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">5000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4281" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_EducationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">31000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4282" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">63000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4283" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ArtsenterntainmentandrecreationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">59000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4284" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherservicesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">386000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4285" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HouseholdsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">7838000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4286" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TotalMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">16359000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4287" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_GeneralgovernementMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-84000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4288" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_CreditinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-12000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4289" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherfinancialinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-22000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4290" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_NonfinancialcorporationsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-6260000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4291" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AgricultureforestryandfishingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-107000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4292" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_MiningandquarryingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-70000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4293" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ManufacturingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-1134000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4294" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ElectricitygasMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-446000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4295" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WatersupplyMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-15000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4296" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ConstructionMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-1007000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4297" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WholesaleandretailtradeMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-1259000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4298" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TransportandstorageMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-374000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4299" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AccommodationandfoodserviceactiviesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-204000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4300" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_InformationandcommunicationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-72000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4301" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_FinancialAndInsuranceActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-128000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4302" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_RealestateactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-624000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4303" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ProfessionalscientificandtecnicalactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-171000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4304" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AdministrativeandsupportserviceactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-125000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4305" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_PublicadministrationanddefenseMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-7000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4306" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_EducationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-31000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4307" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-63000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4308" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ArtsenterntainmentandrecreationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-41000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4309" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherservicesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-382000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4310" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HouseholdsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-5833000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4311" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TotalMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-12211000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4312" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_GeneralgovernementMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.004</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4313" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_CreditinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.001</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4314" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherfinancialinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.001</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4315" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_NonfinancialcorporationsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.049</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4316" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AgricultureforestryandfishingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.033</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4317" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_MiningandquarryingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.019</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4318" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ManufacturingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.046</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4319" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ElectricitygasMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.042</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4320" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WatersupplyMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.018</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4321" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ConstructionMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.125</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4322" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WholesaleandretailtradeMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.063</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4323" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TransportandstorageMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.047</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4324" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AccommodationandfoodserviceactiviesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.04</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4325" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_InformationandcommunicationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.021</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4326" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_FinancialAndInsuranceActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.021</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4327" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_RealestateactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.048</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4328" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ProfessionalscientificandtecnicalactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.04</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4329" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AdministrativeandsupportserviceactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.04</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4330" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_PublicadministrationanddefenseMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.016</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4331" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_EducationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.034</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4332" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.014</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4333" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ArtsenterntainmentandrecreationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.045</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4334" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherservicesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.039</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4335" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HouseholdsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.044</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4336" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TotalMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.041</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4337" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_GeneralgovernementMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">171000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4338" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_CreditinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">11000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4339" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherfinancialinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">12000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4340" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_NonfinancialcorporationsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">10791000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4341" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AgricultureforestryandfishingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">166000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4342" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_MiningandquarryingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">177000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4343" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ManufacturingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">1239000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4344" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ElectricitygasMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">213000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4345" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WatersupplyMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">29000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4346" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ConstructionMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">2993000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4347" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WholesaleandretailtradeMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">1706000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4348" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TransportandstorageMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">441000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4349" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AccommodationandfoodserviceactiviesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">362000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4350" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_InformationandcommunicationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">984000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4351" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_RealestateactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">1171000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4352" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ProfessionalscientificandtecnicalactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">252000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4353" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AdministrativeandsupportserviceactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">188000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4354" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_PublicadministrationanddefenseMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">4000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4355" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_EducationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">31000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4356" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">75000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4357" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ArtsenterntainmentandrecreationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">69000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4358" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherservicesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">690000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4359" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HouseholdsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">8417000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4360" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TotalMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">19401000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4361" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_GeneralgovernementMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-111000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4362" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_CreditinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-36000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4363" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherfinancialinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-26000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4364" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_NonfinancialcorporationsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-7538000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4365" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AgricultureforestryandfishingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-123000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4366" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_MiningandquarryingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-123000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4367" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ManufacturingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-955000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4368" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ElectricitygasMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-289000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4369" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WatersupplyMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-11000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4370" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ConstructionMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-1708000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4371" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WholesaleandretailtradeMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-1230000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4372" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TransportandstorageMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-353000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4373" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AccommodationandfoodserviceactiviesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-222000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4374" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_InformationandcommunicationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-256000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4375" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_RealestateactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-1100000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4376" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ProfessionalscientificandtecnicalactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-183000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4377" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AdministrativeandsupportserviceactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-130000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4378" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_PublicadministrationanddefenseMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-6000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4379" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_EducationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-25000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4380" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-68000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4381" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ArtsenterntainmentandrecreationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-38000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4382" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherservicesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-716000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4383" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HouseholdsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-5073000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4384" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TotalMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-12784000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4385" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_GeneralgovernementMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.005</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4386" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_CreditinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.003</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4387" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherfinancialinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.001</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4388" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_NonfinancialcorporationsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.063</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4389" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AgricultureforestryandfishingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.043</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4390" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_MiningandquarryingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.037</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4391" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ManufacturingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.036</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4392" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ElectricitygasMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.018</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4393" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WatersupplyMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.045</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4394" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ConstructionMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.201</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4395" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WholesaleandretailtradeMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.059</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4396" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TransportandstorageMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.042</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4397" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AccommodationandfoodserviceactiviesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.043</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4398" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_InformationandcommunicationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.17</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4399" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_RealestateactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.079</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4400" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ProfessionalscientificandtecnicalactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.038</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4401" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AdministrativeandsupportserviceactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.063</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4402" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_PublicadministrationanddefenseMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.019</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4403" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_EducationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.034</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4404" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.017</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4405" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ArtsenterntainmentandrecreationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.046</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4406" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherservicesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.043</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4407" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HouseholdsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.047</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4408" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TotalMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.045</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4409" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_GeneralgovernementMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">295000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4410" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_CreditinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">10000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4411" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherfinancialinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">34000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4412" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_NonfinancialcorporationsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">13786000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4413" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AgricultureforestryandfishingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">221000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4414" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_MiningandquarryingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">126000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4415" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ManufacturingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">1569000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4416" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ElectricitygasMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">569000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4417" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WatersupplyMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">29000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4418" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ConstructionMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">5358000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4419" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WholesaleandretailtradeMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">1857000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4420" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TransportandstorageMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">442000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4421" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AccommodationandfoodserviceactiviesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">499000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4422" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_InformationandcommunicationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">112000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4423" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_RealestateactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">1441000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4424" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ProfessionalscientificandtecnicalactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">442000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4425" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AdministrativeandsupportserviceactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">182000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4426" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_PublicadministrationanddefenseMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">18000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4427" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_EducationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">58000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4428" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">89000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4429" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ArtsenterntainmentandrecreationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">84000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4430" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherservicesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">691000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4431" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HouseholdsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">8801000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4432" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TotalMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_GrossvaluefinancialassetsimpairedMember" unitRef="EUR" decimals="-6">22925000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4433" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_GeneralgovernementMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-52000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4434" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_CreditinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-42000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4435" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherfinancialinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-82000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4436" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_NonfinancialcorporationsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-10192000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4437" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AgricultureforestryandfishingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-188000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4438" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_MiningandquarryingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-83000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4439" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ManufacturingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-1201000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4440" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ElectricitygasMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-402000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4441" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WatersupplyMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-10000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4442" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ConstructionMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-3162000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4443" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WholesaleandretailtradeMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-1418000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4444" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TransportandstorageMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-501000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4445" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AccommodationandfoodserviceactiviesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-273000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4446" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_InformationandcommunicationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-110000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4447" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_RealestateactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-1074000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4448" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ProfessionalscientificandtecnicalactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-380000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4449" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AdministrativeandsupportserviceactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-107000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4450" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_PublicadministrationanddefenseMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-25000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4451" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_EducationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-31000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4452" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-88000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4453" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ArtsenterntainmentandrecreationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-51000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4454" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherservicesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-1088000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4455" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HouseholdsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-5648000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4456" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TotalMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_ImpairmentofaccumulatedvalueMember" unitRef="EUR" decimals="-6">-16016000000</bbva:Loansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4457" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_GeneralgovernementMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.008</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4458" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_CreditinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4459" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherfinancialinstitutionsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.002</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4460" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_NonfinancialcorporationsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.074</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4461" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AgricultureforestryandfishingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.051</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4462" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_MiningandquarryingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.033</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4463" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ManufacturingMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.045</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4464" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ElectricitygasMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.032</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4465" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WatersupplyMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.035</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4466" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ConstructionMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.263</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4467" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_WholesaleandretailtradeMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.062</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4468" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TransportandstorageMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.045</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4469" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AccommodationandfoodserviceactiviesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.059</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4470" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_InformationandcommunicationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.022</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4471" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_RealestateactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.087</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4472" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ProfessionalscientificandtecnicalactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.06</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4473" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_AdministrativeandsupportserviceactivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.073</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4474" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_PublicadministrationanddefenseMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.03</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4475" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_EducationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.054</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4476" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HumanHealthServicesAndSocialWorkActivitiesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.018</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4477" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_ArtsenterntainmentandrecreationMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.051</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4478" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_OtherservicesMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.042</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4479" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_HouseholdsMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.046</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors id="ID_4480" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CorporateentitiesdisclosureAxis_bbva_TotalMember_bbva_ImpairmentoffinancialassetsloansandadvancessectorsAxis_bbva_PercentagenonperformingloansandadvancesMember" unitRef="pure" decimals="INF">0.05</bbva:Percentageofloansandadvancesimparedandaccumulatedimpairmentbysectors>
  <ifrs-full:FinancialAssets id="ID_4481" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">17134000000</ifrs-full:FinancialAssets>
  <ifrs-full:FinancialAssets id="ID_4482" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">20590000000</ifrs-full:FinancialAssets>
  <ifrs-full:FinancialAssets id="ID_4483" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">23877000000</ifrs-full:FinancialAssets>
  <ifrs-full:FinancialAssets id="ID_4484" contextRef="AS_OF_Dec31_2015_Entity_0000842180" unitRef="EUR" decimals="-6">26103000000</ifrs-full:FinancialAssets>
  <bbva:Additionsofimpairedassets id="ID_4485" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">9792000000</bbva:Additionsofimpairedassets>
  <bbva:Additionsofimpairedassets id="ID_4486" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">10856000000</bbva:Additionsofimpairedassets>
  <bbva:Additionsofimpairedassets id="ID_4487" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">11133000000</bbva:Additionsofimpairedassets>
  <bbva:Decreaseofimpairedassets id="ID_4488" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">-6909000000</bbva:Decreaseofimpairedassets>
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  <ifrs-full:ValueAtRisk id="ID_4583" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember" unitRef="EUR" decimals="-6">6000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4584" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_bbva_StockmarketriskmemberMember" unitRef="EUR" decimals="-6">4000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4585" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_bbva_VegacorrelationriskmemberMember" unitRef="EUR" decimals="-6">7000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4586" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_RiskDiversificationEffectMember" unitRef="EUR" decimals="-6">-18000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4587" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">16000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4588" contextRef="AS_OF_Dec31_2018_Entity_0000842180_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember" unitRef="EUR" decimals="-6">19000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4589" contextRef="AS_OF_Dec31_2018_Entity_0000842180_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember" unitRef="EUR" decimals="-6">5000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4590" contextRef="AS_OF_Dec31_2018_Entity_0000842180_ifrs-full_TypesOfRisksAxis_bbva_StockmarketriskmemberMember" unitRef="EUR" decimals="-6">3000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4591" contextRef="AS_OF_Dec31_2018_Entity_0000842180_ifrs-full_TypesOfRisksAxis_bbva_VegacorrelationriskmemberMember" unitRef="EUR" decimals="-6">7000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4592" contextRef="AS_OF_Dec31_2018_Entity_0000842180_ifrs-full_TypesOfRisksAxis_ifrs-full_RiskDiversificationEffectMember" unitRef="EUR" decimals="-6">-17000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4593" contextRef="AS_OF_Dec31_2018_Entity_0000842180_ifrs-full_TypesOfRisksAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">17000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4594" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember" unitRef="EUR" decimals="-6">25000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4595" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember" unitRef="EUR" decimals="-6">10000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4596" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_bbva_StockmarketriskmemberMember" unitRef="EUR" decimals="-6">3000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4597" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_bbva_VegacorrelationriskmemberMember" unitRef="EUR" decimals="-6">13000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4598" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_ifrs-full_RiskDiversificationEffectMember" unitRef="EUR" decimals="-6">-23000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4599" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">27000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4600" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember" unitRef="EUR" decimals="-6">27000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4601" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember" unitRef="EUR" decimals="-6">11000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4602" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_bbva_StockmarketriskmemberMember" unitRef="EUR" decimals="-6">2000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4603" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_bbva_VegacorrelationriskmemberMember" unitRef="EUR" decimals="-6">12000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4604" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_RiskDiversificationEffectMember" unitRef="EUR" decimals="-6">-19000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4605" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">34000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4606" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember" unitRef="EUR" decimals="-6">23000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4607" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember" unitRef="EUR" decimals="-6">7000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4608" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_bbva_StockmarketriskmemberMember" unitRef="EUR" decimals="-6">4000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4609" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_bbva_VegacorrelationriskmemberMember" unitRef="EUR" decimals="-6">14000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4610" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_RiskDiversificationEffectMember" unitRef="EUR" decimals="-6">-26000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4611" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">22000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4612" contextRef="AS_OF_Dec31_2017_Entity_0000842180_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember" unitRef="EUR" decimals="-6">23000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4613" contextRef="AS_OF_Dec31_2017_Entity_0000842180_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember" unitRef="EUR" decimals="-6">7000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4614" contextRef="AS_OF_Dec31_2017_Entity_0000842180_ifrs-full_TypesOfRisksAxis_bbva_StockmarketriskmemberMember" unitRef="EUR" decimals="-6">4000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4615" contextRef="AS_OF_Dec31_2017_Entity_0000842180_ifrs-full_TypesOfRisksAxis_bbva_VegacorrelationriskmemberMember" unitRef="EUR" decimals="-6">14000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4616" contextRef="AS_OF_Dec31_2017_Entity_0000842180_ifrs-full_TypesOfRisksAxis_ifrs-full_RiskDiversificationEffectMember" unitRef="EUR" decimals="-6">-26000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4617" contextRef="AS_OF_Dec31_2017_Entity_0000842180_ifrs-full_TypesOfRisksAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">22000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4618" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember" unitRef="EUR" decimals="-6">28000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4619" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember" unitRef="EUR" decimals="-6">10000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4620" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_bbva_StockmarketriskmemberMember" unitRef="EUR" decimals="-6">4000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4621" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_bbva_VegacorrelationriskmemberMember" unitRef="EUR" decimals="-6">11000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4622" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_ifrs-full_RiskDiversificationEffectMember" unitRef="EUR" decimals="-6">-23000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4623" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_bbva_WeightedaveragememeberMember_ifrs-full_TypesOfRisksAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">29000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4624" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember" unitRef="EUR" decimals="-6">30000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4625" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember" unitRef="EUR" decimals="-6">16000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4626" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_bbva_StockmarketriskmemberMember" unitRef="EUR" decimals="-6">4000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4627" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_bbva_VegacorrelationriskmemberMember" unitRef="EUR" decimals="-6">11000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4628" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_RiskDiversificationEffectMember" unitRef="EUR" decimals="-6">-23000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4629" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MaximumMember_ifrs-full_TypesOfRisksAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">38000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4630" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember" unitRef="EUR" decimals="-6">21000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4631" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember" unitRef="EUR" decimals="-6">10000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4632" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_bbva_StockmarketriskmemberMember" unitRef="EUR" decimals="-6">1000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4633" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_bbva_VegacorrelationriskmemberMember" unitRef="EUR" decimals="-6">11000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4634" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_ifrs-full_RiskDiversificationEffectMember" unitRef="EUR" decimals="-6">-20000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4635" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LevelofvarintheyearaxisAxis_srt_MinimumMember_ifrs-full_TypesOfRisksAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">23000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4636" contextRef="AS_OF_Dec31_2016_Entity_0000842180_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember" unitRef="EUR" decimals="-6">29000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4637" contextRef="AS_OF_Dec31_2016_Entity_0000842180_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember" unitRef="EUR" decimals="-6">7000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4638" contextRef="AS_OF_Dec31_2016_Entity_0000842180_ifrs-full_TypesOfRisksAxis_bbva_StockmarketriskmemberMember" unitRef="EUR" decimals="-6">2000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4639" contextRef="AS_OF_Dec31_2016_Entity_0000842180_ifrs-full_TypesOfRisksAxis_bbva_VegacorrelationriskmemberMember" unitRef="EUR" decimals="-6">12000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4640" contextRef="AS_OF_Dec31_2016_Entity_0000842180_ifrs-full_TypesOfRisksAxis_ifrs-full_RiskDiversificationEffectMember" unitRef="EUR" decimals="-6">-24000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4641" contextRef="AS_OF_Dec31_2016_Entity_0000842180_ifrs-full_TypesOfRisksAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">26000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4642" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_GeographyaxisAxis_srt_EuropeMember" unitRef="EUR" decimals="-6">-99000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4643" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_GeographyaxisAxis_country_MX" unitRef="EUR" decimals="-6">-33000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4644" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_GeographyaxisAxis_country_PE" unitRef="EUR" decimals="-6">-11000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4645" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_GeographyaxisAxis_country_VE" unitRef="EUR" decimals="-6">0</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4646" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_GeographyaxisAxis_country_AR" unitRef="EUR" decimals="-6">-5000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4647" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_GeographyaxisAxis_country_CO" unitRef="EUR" decimals="-6">-6000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4648" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_GeographyaxisAxis_country_TK" unitRef="EUR" decimals="-6">-6000000</ifrs-full:ValueAtRisk>
  <ifrs-full:ValueAtRisk id="ID_4649" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_GeographyaxisAxis_bbva_BbvacompassMember" unitRef="EUR" decimals="-6">-1000000</ifrs-full:ValueAtRisk>
  <bbva:Numberofexceptionsintheinternalvarcalculationmodel id="ID_4650" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">0-4 exceptions</bbva:Numberofexceptionsintheinternalvarcalculationmodel>
  <bbva:Levelofconfidencewhenestimatethemaximundailylossofaportfolio id="ID_4651" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">99%</bbva:Levelofconfidencewhenestimatethemaximundailylossofaportfolio>
  <bbva:Timehorizonwhenestimatethemaximundailylossofaportfolio id="ID_4652" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">1-day horizon</bbva:Timehorizonwhenestimatethemaximundailylossofaportfolio>
  <bbva:Perectageimpactonnetinterestincome id="ID_4653" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_srt_EuropeMember_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointIncreaseMember">+ (5% - 10%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonnetinterestincome id="ID_4654" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_srt_EuropeMember_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointDecreaseMember">- (5% - 10%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonnetinterestincome id="ID_4655" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_country_MX_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointIncreaseMember">+ (0% - 5%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonnetinterestincome id="ID_4656" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_country_MX_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointDecreaseMember">- (0% - 5%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonnetinterestincome id="ID_4657" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_country_US_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointIncreaseMember">+ (5% - 10%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonnetinterestincome id="ID_4658" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_country_US_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointDecreaseMember">- (5% - 10%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonnetinterestincome id="ID_4659" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_country_TK_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointIncreaseMember">+ (0% - 5%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonnetinterestincome id="ID_4660" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_country_TK_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointDecreaseMember">- (0% - 5%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonnetinterestincome id="ID_4661" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_country_SA_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointIncreaseMember">+ (0% - 5%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonnetinterestincome id="ID_4662" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_country_SA_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointDecreaseMember">- (0% - 5%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonnetinterestincome id="ID_4663" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_bbva_BbvagroupMember_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointIncreaseMember">+ (0% - 5%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonnetinterestincome id="ID_4664" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_bbva_BbvagroupMember_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointDecreaseMember">- (0% - 5%)</bbva:Perectageimpactonnetinterestincome>
  <bbva:Perectageimpactonneteconomicvalue id="ID_4665" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GeographyaxismarketriskaxisAxis_srt_EuropeMember_bbva_MarketInterestRateBasicPointsAxis_bbva_HundredBasicPointIncreaseMember">+ (0% - 5%)</bbva:Perectageimpactonneteconomicvalue>
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  <bbva:Averageltscd id="ID_4795" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">106%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4796" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180">110%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4797" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180">113%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4798" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_BbvaeurozoneMember">101%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4799" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_BbvaeurozoneMember">108%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4800" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_BbvaeurozoneMember">113%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4801" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_BbvabancomerMember">114%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4802" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_BbvabancomerMember">109%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4803" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_BbvabancomerMember">113%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4804" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_BbvacompassMember">119%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4805" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_BbvacompassMember">109%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4806" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_BbvacompassMember">108%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4807" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_GarantibankmemberMember">110%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4808" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_GarantibankmemberMember">122%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4809" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_GarantibankmemberMember">124%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4810" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_OtherlmumemberMember">99%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4811" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_OtherlmumemberMember">108%</bbva:Averageltscd>
  <bbva:Averageltscd id="ID_4812" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_LmutypesaxisAxis_bbva_OtherlmumemberMember">107%</bbva:Averageltscd>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4813" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_CashandbalanceswithcentralbanksmemberMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvaeurozonememebrMember" unitRef="EUR" decimals="-6">26506000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4814" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_CashandbalanceswithcentralbanksmemberMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvabancomerMember" unitRef="EUR" decimals="-6">7666000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4815" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_CashandbalanceswithcentralbanksmemberMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvacompassMember" unitRef="EUR" decimals="-6">1667000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4816" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_CashandbalanceswithcentralbanksmemberMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_GarantibankmemberMember" unitRef="EUR" decimals="-6">7633000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4817" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_CashandbalanceswithcentralbanksmemberMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_OtherlmumemberMember" unitRef="EUR" decimals="-6">6677000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4818" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level1tradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvaeurozonememebrMember" unitRef="EUR" decimals="-6">29938000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4819" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level1tradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvabancomerMember" unitRef="EUR" decimals="-6">4995000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4820" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level1tradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvacompassMember" unitRef="EUR" decimals="-6">10490000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4821" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level1tradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_GarantibankmemberMember" unitRef="EUR" decimals="-6">6502000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4822" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level1tradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_OtherlmumemberMember" unitRef="EUR" decimals="-6">3652000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4823" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level2atradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvaeurozonememebrMember" unitRef="EUR" decimals="-6">449000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4824" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level2atradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvabancomerMember" unitRef="EUR" decimals="-6">409000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4825" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level2atradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvacompassMember" unitRef="EUR" decimals="-6">510000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4826" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level2atradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_GarantibankmemberMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4827" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level2atradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_OtherlmumemberMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4828" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level2btradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvaeurozonememebrMember" unitRef="EUR" decimals="-6">4040000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4829" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level2btradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvabancomerMember" unitRef="EUR" decimals="-6">33000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4830" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level2btradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvacompassMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4831" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level2btradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_GarantibankmemberMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4832" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level2btradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_OtherlmumemberMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
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  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4834" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_OthernoneligibleliquidassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvabancomerMember" unitRef="EUR" decimals="-6">1372000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4835" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_OthernoneligibleliquidassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvacompassMember" unitRef="EUR" decimals="-6">1043000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
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  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4840" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_NontradableassetseligibleforcentralbanksMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvacompassMember" unitRef="EUR" decimals="-6">2314000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4841" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_NontradableassetseligibleforcentralbanksMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_GarantibankmemberMember" unitRef="EUR" decimals="-6">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
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  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4847" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_TotalMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_OtherlmumemberMember" unitRef="EUR" decimals="-6">10946000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4848" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_CashandbalanceswithcentralbanksmemberMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvaeurozonememebrMember" unitRef="EUR" decimals="-6">15634000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4849" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_CashandbalanceswithcentralbanksmemberMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvabancomerMember" unitRef="EUR" decimals="-6">8649000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4850" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_CashandbalanceswithcentralbanksmemberMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvacompassMember" unitRef="EUR" decimals="-6">2150000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4851" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_CashandbalanceswithcentralbanksmemberMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_GarantibankmemberMember" unitRef="EUR" decimals="-6">6692000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4852" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_CashandbalanceswithcentralbanksmemberMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_OtherlmumemberMember" unitRef="EUR" decimals="-6">6083000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4853" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level1tradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvaeurozonememebrMember" unitRef="EUR" decimals="-6">38954000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4854" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level1tradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvabancomerMember" unitRef="EUR" decimals="-6">3805000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
  <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk id="ID_4855" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsheldformanagingliquidityriskclassesoffinancialinstrumentsAxis_bbva_Level1tradableassetsMember_bbva_DisclosureoffinancialassetsheldformanagingliquidityrisklmutypesAxis_bbva_BbvacompassMember" unitRef="EUR" decimals="-6">9028000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
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  <bbva:Debtsecuritiesatfairvaluethroughprofitorloss id="ID_4926" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">2858000000</bbva:Debtsecuritiesatfairvaluethroughprofitorloss>
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  <bbva:Unitlinkedproductsliabilities id="ID_4929" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">3159000000</bbva:Unitlinkedproductsliabilities>
  <bbva:Unitlinkedproductsliabilities id="ID_4930" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">2222000000</bbva:Unitlinkedproductsliabilities>
  <bbva:Unitlinkedproductsliabilities id="ID_4931" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">2338000000</bbva:Unitlinkedproductsliabilities>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance id="ID_4932" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_ifrs-full_DebtSecuritiesMember" unitRef="EUR" decimals="-6">943000000</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance id="ID_4933" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_ifrs-full_DebtSecuritiesMember" unitRef="EUR" decimals="-6">1557000000</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance>
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  <bbva:Valuationgainsandlosses id="ID_4935" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_ifrs-full_DebtSecuritiesMember" unitRef="EUR" decimals="-6">-640000000</bbva:Valuationgainsandlosses>
  <bbva:Amountstransferredtoincome id="ID_4936" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_ifrs-full_DebtSecuritiesMember" unitRef="EUR" decimals="-6">-137000000</bbva:Amountstransferredtoincome>
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  <bbva:Incometaxfinancialassetsatfairvalue id="ID_4938" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_ifrs-full_DebtSecuritiesMember" unitRef="EUR" decimals="-6">221000000</bbva:Incometaxfinancialassetsatfairvalue>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance id="ID_4939" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsatfairvalueMember" unitRef="EUR" decimals="-6">-155000000</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance id="ID_4940" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsatfairvalueMember" unitRef="EUR" decimals="-6">84000000</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance>
  <bbva:Effectsofchangesinaccountingpoliciesifrs9 id="ID_4941" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsatfairvalueMember" unitRef="EUR" decimals="-6">-40000000</bbva:Effectsofchangesinaccountingpoliciesifrs9>
  <bbva:Valuationgainsandlosses id="ID_4942" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsatfairvalueMember" unitRef="EUR" decimals="-6">-174000000</bbva:Valuationgainsandlosses>
  <bbva:Amountstransferredtoincome id="ID_4943" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsatfairvalueMember" unitRef="EUR" decimals="-6">0</bbva:Amountstransferredtoincome>
  <bbva:Otherreclassificationsfinancialassetsatfairvalue id="ID_4944" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsatfairvalueMember" unitRef="EUR" decimals="-6">0</bbva:Otherreclassificationsfinancialassetsatfairvalue>
  <bbva:Incometaxfinancialassetsatfairvalue id="ID_4945" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsatfairvalueMember" unitRef="EUR" decimals="-6">-25000000</bbva:Incometaxfinancialassetsatfairvalue>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance id="ID_4946" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsavailableforsaleMember" unitRef="EUR" decimals="-6">1641000000</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance id="ID_4947" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsavailableforsaleMember" unitRef="EUR" decimals="-6">947000000</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance id="ID_4948" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsavailableforsaleMember" unitRef="EUR" decimals="-6">1674000000</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomebalance>
  <bbva:Valuationgainsandlosses id="ID_4949" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsavailableforsaleMember" unitRef="EUR" decimals="-6">321000000</bbva:Valuationgainsandlosses>
  <bbva:Valuationgainsandlosses id="ID_4950" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsavailableforsaleMember" unitRef="EUR" decimals="-6">400000000</bbva:Valuationgainsandlosses>
  <bbva:Amountstransferredtoincome id="ID_4951" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsavailableforsaleMember" unitRef="EUR" decimals="-6">356000000</bbva:Amountstransferredtoincome>
  <bbva:Amountstransferredtoincome id="ID_4952" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsavailableforsaleMember" unitRef="EUR" decimals="-6">-1181000000</bbva:Amountstransferredtoincome>
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  <bbva:Incometaxfinancialassetsatfairvalue id="ID_4955" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsavailableforsaleMember" unitRef="EUR" decimals="-6">27000000</bbva:Incometaxfinancialassetsatfairvalue>
  <bbva:Incometaxfinancialassetsatfairvalue id="ID_4956" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis_bbva_EquityinstrumentsavailableforsaleMember" unitRef="EUR" decimals="-6">-62000000</bbva:Incometaxfinancialassetsatfairvalue>
  <bbva:Debtsecuritiesloansandadvances id="ID_4957" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">32530000000</bbva:Debtsecuritiesloansandadvances>
  <bbva:Debtsecuritiesloansandadvances id="ID_4958" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">24093000000</bbva:Debtsecuritiesloansandadvances>
  <bbva:Debtsecuritiesloansandadvances id="ID_4959" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">28905000000</bbva:Debtsecuritiesloansandadvances>
  <bbva:Loansandadvancestocentralbanks id="ID_4960" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">3941000000</bbva:Loansandadvancestocentralbanks>
  <bbva:Loansandadvancestocentralbanks id="ID_4961" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">7300000000</bbva:Loansandadvancestocentralbanks>
  <bbva:Loansandadvancestocentralbanks id="ID_4962" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">8894000000</bbva:Loansandadvancestocentralbanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_4963" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">9163000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_4964" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">26261000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_4965" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">31373000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_4966" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">374027000000</ifrs-full:LoansAndAdvancesToCustomers>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_4967" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">387621000000</ifrs-full:LoansAndAdvancesToCustomers>
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  <ifrs-full:DescriptionOfHedgingInstrumentsUsedToHedgeRiskExposuresAndHowTheyAreUsed id="ID_4969" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">As of December 31, 2018, 2017 and 2016, the main positions hedged by the Group and the derivatives designated to hedge those positions were:
Fair value hedging:
- Fixed-interest debt securities at fair value through other comprehensive income and at amortized cost: The interest rate risk of these securities is hedged using interest rate derivatives (fixed-variable swaps) and forward sales.
- Long-term fixed-interest debt securities issued by the Bank: the interest rate risk of these securities is hedged using interest rate derivatives (fixed-variable swaps).
- Fixed-interest loans: The equity price risk of these instruments is hedged using interest rate derivatives (fixed-variable swaps).
- Fixed-interest and/or embedded derivative deposit portfolio hedges: it covers the interest rate risk through fixed-variable swaps. The valuation of the borrowed deposits corresponding to the interest rate risk is in the heading "Fair value changes of the hedged items in portfolio hedges of interest rate risk&#8221;.
Cash-flow hedges: Most of the hedged items are floating interest-rate loans and asset hedges linked to the inflation of the financial assets at fair value through other comprehensive income portfolio. This risk is hedged using foreign-exchange, interest-rate swaps, inflation and FRA&#8217;s (&#8220;Forward Rate Agreement&#8221;).
Net foreign-currency investment hedges: These hedged risks are foreign-currency investments in the Group&#8217;s foreign subsidiaries. This risk is hedged mainly with foreign-exchange options and forward currency sales and purchases.</ifrs-full:DescriptionOfHedgingInstrumentsUsedToHedgeRiskExposuresAndHowTheyAreUsed>
  <ifrs-full:InvestmentsInJointVentures id="ID_4970" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_Fideicomiso1729invexenajenaciondecarteraMember" unitRef="EUR" decimals="-6">55000000</ifrs-full:InvestmentsInJointVentures>
  <ifrs-full:InvestmentsInJointVentures id="ID_4971" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_Fideicomiso1729invexenajenaciondecarteraMember" unitRef="EUR" decimals="-6">53000000</ifrs-full:InvestmentsInJointVentures>
  <ifrs-full:InvestmentsInJointVentures id="ID_4972" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_Fideicomiso1729invexenajenaciondecarteraMember" unitRef="EUR" decimals="-6">57000000</ifrs-full:InvestmentsInJointVentures>
  <ifrs-full:InvestmentsInJointVentures id="ID_4973" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_Fideicomisof4038535bbvabancomerserzibataMember" unitRef="EUR" decimals="-6">0</ifrs-full:InvestmentsInJointVentures>
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  <ifrs-full:InvestmentsInJointVentures id="ID_4977" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_PsafinanceargentinacompaiafinancierasaMember" unitRef="EUR" decimals="-6">14000000</ifrs-full:InvestmentsInJointVentures>
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  <ifrs-full:InvestmentsInJointVentures id="ID_4979" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_AlturaMarketsSVSAMember" unitRef="EUR" decimals="-6">69000000</ifrs-full:InvestmentsInJointVentures>
  <ifrs-full:InvestmentsInJointVentures id="ID_4980" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_AlturaMarketsSVSAMember" unitRef="EUR" decimals="-6">64000000</ifrs-full:InvestmentsInJointVentures>
  <ifrs-full:InvestmentsInJointVentures id="ID_4981" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_AlturaMarketsSVSAMember" unitRef="EUR" decimals="-6">19000000</ifrs-full:InvestmentsInJointVentures>
  <ifrs-full:InvestmentsInJointVentures id="ID_4982" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_RciColombiaMember" unitRef="EUR" decimals="-6">32000000</ifrs-full:InvestmentsInJointVentures>
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  <ifrs-full:InvestmentsInJointVentures id="ID_4985" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_OtherjointventuresMember" unitRef="EUR" decimals="-6">7000000</ifrs-full:InvestmentsInJointVentures>
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  <ifrs-full:InvestmentsInJointVentures id="ID_4987" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_OtherjointventuresMember" unitRef="EUR" decimals="-6">82000000</ifrs-full:InvestmentsInJointVentures>
  <ifrs-full:InvestmentsInJointVentures id="ID_4988" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_ifrs-full_JointVenturesMember" unitRef="EUR" decimals="-6">173000000</ifrs-full:InvestmentsInJointVentures>
  <ifrs-full:InvestmentsInJointVentures id="ID_4989" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_ifrs-full_JointVenturesMember" unitRef="EUR" decimals="-6">256000000</ifrs-full:InvestmentsInJointVentures>
  <ifrs-full:InvestmentsInJointVentures id="ID_4990" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_ifrs-full_JointVenturesMember" unitRef="EUR" decimals="-6">229000000</ifrs-full:InvestmentsInJointVentures>
  <ifrs-full:InvestmentsInAssociates id="ID_4991" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_MetrovacesasueloypromocinsaMember" unitRef="EUR" decimals="-6">508000000</ifrs-full:InvestmentsInAssociates>
  <ifrs-full:InvestmentsInAssociates id="ID_4992" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_MetrovacesasueloypromocinsaMember" unitRef="EUR" decimals="-6">697000000</ifrs-full:InvestmentsInAssociates>
  <ifrs-full:InvestmentsInAssociates id="ID_4993" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_MetrovacesasueloypromocinsaMember" unitRef="EUR" decimals="-6">208000000</ifrs-full:InvestmentsInAssociates>
  <ifrs-full:InvestmentsInAssociates id="ID_4994" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_TestaResidencialsocimisauMember" unitRef="EUR" decimals="-6">0</ifrs-full:InvestmentsInAssociates>
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  <ifrs-full:InvestmentsInAssociates id="ID_4996" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_TestaResidencialsocimisauMember" unitRef="EUR" decimals="-6">91000000</ifrs-full:InvestmentsInAssociates>
  <ifrs-full:InvestmentsInAssociates id="ID_4997" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_MetrovacesapromocinyarrendamientossaMember" unitRef="EUR" decimals="-6">0</ifrs-full:InvestmentsInAssociates>
  <ifrs-full:InvestmentsInAssociates id="ID_4998" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_MetrovacesapromocinyarrendamientossaMember" unitRef="EUR" decimals="-6">0</ifrs-full:InvestmentsInAssociates>
  <ifrs-full:InvestmentsInAssociates id="ID_4999" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_MetrovacesapromocinyarrendamientossaMember" unitRef="EUR" decimals="-6">67000000</ifrs-full:InvestmentsInAssociates>
  <ifrs-full:InvestmentsInAssociates id="ID_5000" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_AtombankplcMember" unitRef="EUR" decimals="-6">138000000</ifrs-full:InvestmentsInAssociates>
  <ifrs-full:InvestmentsInAssociates id="ID_5001" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_AtombankplcMember" unitRef="EUR" decimals="-6">66000000</ifrs-full:InvestmentsInAssociates>
  <ifrs-full:InvestmentsInAssociates id="ID_5002" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_JointventuresandassociatesaxisAxis_bbva_AtombankplcMember" unitRef="EUR" decimals="-6">43000000</ifrs-full:InvestmentsInAssociates>
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  <ifrs-full:DisclosureOfNatureAndExtentOfRisksArisingFromInsuranceContractsExplanatory id="ID_5697" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The insurance business is affected by different risks, including those that are related to the BBVA Group such as credit risk, market risk, liquidity risk and operational risk and the methodology &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;for risk measurement applied in the insurance activity is similar (see Note 7), although it has a differentiated management due to the particular characteristics of the insurance business, such as the coverage of contracted obligations and the long term of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the commitments. Additionally, the insurance business generates certain specific risks, of a probabilistic nature: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:4pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Technical risk: arises from deviations in the estimation of the casualty rate of insurances, either in terms of numbers, the amount of such&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; claims and the timing of its occurrence.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:4pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Biometric risk: depending on the deviations in the expected mortality behavior or the survival of the insured persons.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The insurance industry is highly regulated in each country. In this regard, it should be noted &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;that the insurance industry is undergoing a gradual regulatory transformation through new risk-based capital regulations, which have already been published in several countries.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The most significant provisions recognized by consolidated insurance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;subsidiaries with respect to insurance policies issued by them are under the heading &amp;#8220;Liabilities under insurance and reinsurance contracts&amp;#8221; in the accompanyi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng consolidated balance sheets.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfNatureAndExtentOfRisksArisingFromInsuranceContractsExplanatory>
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  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5720" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_RiskMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_GroupinsuranceMember" unitRef="EUR" decimals="-6">147000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5721" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_RiskMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_GroupinsuranceMember" unitRef="EUR" decimals="-6">221000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5722" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_OthersMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_GroupinsuranceMember" unitRef="EUR" decimals="-6">0</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5723" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_OthersMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_GroupinsuranceMember" unitRef="EUR" decimals="-6">0</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5724" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_OthersMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_GroupinsuranceMember" unitRef="EUR" decimals="-6">0</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5725" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_TotalMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_ProvisionForUnpaidClaimsReportedMember" unitRef="EUR" decimals="-6">662000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5726" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_TotalMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_ProvisionForUnpaidClaimsReportedMember" unitRef="EUR" decimals="-6">631000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5727" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_TotalMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_ProvisionForUnpaidClaimsReportedMember" unitRef="EUR" decimals="-6">691000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5728" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_TotalMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember" unitRef="EUR" decimals="-6">668000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5729" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_TotalMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember" unitRef="EUR" decimals="-6">631000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5730" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_TotalMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember" unitRef="EUR" decimals="-6">635000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5731" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_TotalMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">9834000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5732" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_TotalMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">9223000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5733" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_LiabilitiesunderreisuranceandreisuranceAxis_bbva_TotalMember_bbva_SignificantprovisionsrecognizedaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">9139000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5734" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_bbva_NolaterthanoneyearMember" unitRef="EUR" decimals="-6">1686000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5735" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" unitRef="EUR" decimals="-6">1041000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5736" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_bbva_LaterthanthreeyearandnotlaterthantfiveyearsMember" unitRef="EUR" decimals="-6">1822000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5737" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_ifrs-full_LaterThanFiveYearsMember" unitRef="EUR" decimals="-6">5285000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5738" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">9834000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5739" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_bbva_NolaterthanoneyearMember" unitRef="EUR" decimals="-6">1560000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5740" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" unitRef="EUR" decimals="-6">1119000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5741" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_bbva_LaterthanthreeyearandnotlaterthantfiveyearsMember" unitRef="EUR" decimals="-6">1502000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5742" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_ifrs-full_LaterThanFiveYearsMember" unitRef="EUR" decimals="-6">5042000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5743" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">9223000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5744" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_bbva_NolaterthanoneyearMember" unitRef="EUR" decimals="-6">1705000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5745" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" unitRef="EUR" decimals="-6">1214000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5746" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_bbva_LaterthanthreeyearandnotlaterthantfiveyearsMember" unitRef="EUR" decimals="-6">1482000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5747" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_ifrs-full_LaterThanFiveYearsMember" unitRef="EUR" decimals="-6">4738000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <ifrs-full:LiabilitiesArisingFromInsuranceContracts id="ID_5748" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_MaturityassetsandliabilitiesAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">9139000000</ifrs-full:LiabilitiesArisingFromInsuranceContracts>
  <bbva:Mortalitytable id="ID_5749" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_MatematicalreservesgeographyAxis_country_ES_bbva_MatematicalreservesinsurancetypeAxis_bbva_IndividualinsuranceMember">GRMF 80-2
GKM 80 / GKMF 95
PERMF 2000
PASEM</bbva:Mortalitytable>
  <bbva:Mortalitytable id="ID_5750" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_MatematicalreservesgeographyAxis_country_MX_bbva_MatematicalreservesinsurancetypeAxis_bbva_IndividualinsuranceMember">Tables of the Comisi&#243;n Nacional de Seguros y Fianzas 2000-individual</bbva:Mortalitytable>
  <bbva:Mortalitytable id="ID_5751" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_MatematicalreservesgeographyAxis_country_ES_bbva_MatematicalreservesinsurancetypeAxis_bbva_GroupinsuranceMember">PERMF 2000</bbva:Mortalitytable>
  <bbva:Mortalitytable id="ID_5752" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_MatematicalreservesgeographyAxis_country_MX_bbva_MatematicalreservesinsurancetypeAxis_bbva_GroupinsuranceMember">Tables of the Comisi&#243;n Nacional de Seguros y Fianzas 2000-grupo</bbva:Mortalitytable>
  <bbva:Averagetechnicalinteresttype id="ID_5753" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_MatematicalreservesgeographyAxis_country_ES_bbva_MatematicalreservesinsurancetypeAxis_bbva_IndividualinsuranceMember">0.26%-3.27%</bbva:Averagetechnicalinteresttype>
  <bbva:Averagetechnicalinteresttype id="ID_5754" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_MatematicalreservesgeographyAxis_country_MX_bbva_MatematicalreservesinsurancetypeAxis_bbva_IndividualinsuranceMember">2,50%</bbva:Averagetechnicalinteresttype>
  <bbva:Averagetechnicalinteresttype id="ID_5755" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_MatematicalreservesgeographyAxis_country_ES_bbva_MatematicalreservesinsurancetypeAxis_bbva_GroupinsuranceMember">Depending on the related portfolio</bbva:Averagetechnicalinteresttype>
  <bbva:Averagetechnicalinteresttype id="ID_5756" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_MatematicalreservesgeographyAxis_country_MX_bbva_MatematicalreservesinsurancetypeAxis_bbva_GroupinsuranceMember">5,50%</bbva:Averagetechnicalinteresttype>
  <ifrs-full:ProvisionsForEmployeeBenefits id="ID_5757" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">4787000000</ifrs-full:ProvisionsForEmployeeBenefits>
  <ifrs-full:ProvisionsForEmployeeBenefits id="ID_5758" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">5407000000</ifrs-full:ProvisionsForEmployeeBenefits>
  <ifrs-full:ProvisionsForEmployeeBenefits id="ID_5759" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">6025000000</ifrs-full:ProvisionsForEmployeeBenefits>
  <ifrs-full:ProvisionsForEmployeeBenefits id="ID_5760" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">6299000000</ifrs-full:ProvisionsForEmployeeBenefits>
  <bbva:Chargestoincomefortheyearprovisionsforpensionsandsimilarobligationsbalance id="ID_5761" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">126000000</bbva:Chargestoincomefortheyearprovisionsforpensionsandsimilarobligationsbalance>
  <bbva:Interestexpenseoncostattributabletopensionfunds id="ID_5762" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">78000000</bbva:Interestexpenseoncostattributabletopensionfunds>
  <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans id="ID_5763" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">58000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
  <bbva:Provisionexpenses id="ID_5764" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-10000000</bbva:Provisionexpenses>
  <bbva:Chargestoincomefortheyearprovisionsforpensionsandsimilarobligationsbalance id="ID_5765" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">391000000</bbva:Chargestoincomefortheyearprovisionsforpensionsandsimilarobligationsbalance>
  <bbva:Interestexpenseoncostattributabletopensionfunds id="ID_5766" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">71000000</bbva:Interestexpenseoncostattributabletopensionfunds>
  <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans id="ID_5767" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">62000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
  <bbva:Provisionexpenses id="ID_5768" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">258000000</bbva:Provisionexpenses>
  <bbva:Chargestoincomefortheyearprovisionsforpensionsandsimilarobligationsbalance id="ID_5769" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">402000000</bbva:Chargestoincomefortheyearprovisionsforpensionsandsimilarobligationsbalance>
  <bbva:Interestexpenseoncostattributabletopensionfunds id="ID_5770" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">96000000</bbva:Interestexpenseoncostattributabletopensionfunds>
  <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans id="ID_5771" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">67000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
  <bbva:Provisionexpenses id="ID_5772" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">239000000</bbva:Provisionexpenses>
  <ifrs-full:GainLossOnRemeasurementOfReimbursementRights id="ID_5773" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">41000000</ifrs-full:GainLossOnRemeasurementOfReimbursementRights>
  <ifrs-full:GainLossOnRemeasurementOfReimbursementRights id="ID_5774" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">140000000</ifrs-full:GainLossOnRemeasurementOfReimbursementRights>
  <ifrs-full:GainLossOnRemeasurementOfReimbursementRights id="ID_5775" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">339000000</ifrs-full:GainLossOnRemeasurementOfReimbursementRights>
  <bbva:Transfersandotherchangesprovisionsforpensionsandsimilarobligationsbalance id="ID_5776" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">95000000</bbva:Transfersandotherchangesprovisionsforpensionsandsimilarobligationsbalance>
  <bbva:Transfersandotherchangesprovisionsforpensionsandsimilarobligationsbalance id="ID_5777" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-264000000</bbva:Transfersandotherchangesprovisionsforpensionsandsimilarobligationsbalance>
  <bbva:Transfersandotherchangesprovisionsforpensionsandsimilarobligationsbalance id="ID_5778" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">66000000</bbva:Transfersandotherchangesprovisionsforpensionsandsimilarobligationsbalance>
  <bbva:Benefitpayments id="ID_5779" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-779000000</bbva:Benefitpayments>
  <ifrs-full:EmployerContributions id="ID_5780" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-103000000</ifrs-full:EmployerContributions>
  <bbva:Benefitpayments id="ID_5781" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-861000000</bbva:Benefitpayments>
  <ifrs-full:EmployerContributions id="ID_5782" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-25000000</ifrs-full:EmployerContributions>
  <bbva:Benefitpayments id="ID_5783" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-926000000</bbva:Benefitpayments>
  <ifrs-full:EmployerContributions id="ID_5784" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TotalProvisionsForTaxesLegalContingentsAndOtherProvisionsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-154000000</ifrs-full:EmployerContributions>
  <bbva:Provisionsfortaxeslegalcontingentsandotherprovisionschangesovertheperiod id="ID_5785" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">1286000000</bbva:Provisionsfortaxeslegalcontingentsandotherprovisionschangesovertheperiod>
  <bbva:Provisionsfortaxeslegalcontingentsandotherprovisionschangesovertheperiod id="ID_5786" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">1425000000</bbva:Provisionsfortaxeslegalcontingentsandotherprovisionschangesovertheperiod>
  <bbva:Provisionsfortaxeslegalcontingentsandotherprovisionschangesovertheperiod id="ID_5787" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">2028000000</bbva:Provisionsfortaxeslegalcontingentsandotherprovisionschangesovertheperiod>
  <bbva:Provisionsfortaxeslegalcontingentsandotherprovisionschangesovertheperiod id="ID_5788" contextRef="AS_OF_Dec31_2015_Entity_0000842180" unitRef="EUR" decimals="-6">1771000000</bbva:Provisionsfortaxeslegalcontingentsandotherprovisionschangesovertheperiod>
  <bbva:Chargestoincomefortheyearprovisionsfortaxeslegalcontingentsandotherprovisions id="ID_5789" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">455000000</bbva:Chargestoincomefortheyearprovisionsfortaxeslegalcontingentsandotherprovisions>
  <bbva:Chargestoincomefortheyearprovisionsfortaxeslegalcontingentsandotherprovisions id="ID_5790" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">868000000</bbva:Chargestoincomefortheyearprovisionsfortaxeslegalcontingentsandotherprovisions>
  <bbva:Chargestoincomefortheyearprovisionsfortaxeslegalcontingentsandotherprovisions id="ID_5791" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">1109000000</bbva:Chargestoincomefortheyearprovisionsfortaxeslegalcontingentsandotherprovisions>
  <bbva:Acquisitionofsubsidiaries id="ID_5792" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Acquisitionofsubsidiaries>
  <bbva:Acquisitionofsubsidiaries id="ID_5793" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Acquisitionofsubsidiaries>
  <bbva:Acquisitionofsubsidiaries id="ID_5794" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Acquisitionofsubsidiaries>
  <bbva:UnusedAmountsReversedDuringThePeriod id="ID_5795" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">-184000000</bbva:UnusedAmountsReversedDuringThePeriod>
  <bbva:UnusedAmountsReversedDuringThePeriod id="ID_5796" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">-164000000</bbva:UnusedAmountsReversedDuringThePeriod>
  <bbva:UnusedAmountsReversedDuringThePeriod id="ID_5797" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">-311000000</bbva:UnusedAmountsReversedDuringThePeriod>
  <bbva:Amountusedandothervariations id="ID_5798" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">-410000000</bbva:Amountusedandothervariations>
  <bbva:Amountusedandothervariations id="ID_5799" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">-1306000000</bbva:Amountusedandothervariations>
  <bbva:Amountusedandothervariations id="ID_5800" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">-540000000</bbva:Amountusedandothervariations>
  <bbva:Descriptionofthelegalsituationoftheclausesoflimitationofinterestratesinmortgageloanswithconsumers id="ID_5801" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">The financial sector faces an environment of increasing regulatory and litigious pressure. In this environment, the different Group&#8217;s entities are often parties to individual or collective legal proceedings arising from the ordinary activity of their businesses. In accordance with the procedural status of these proceedings and according to the criteria of the attorneys who manage them, BBVA considers that none of them is material, individually or in aggregate, and that no significant impact will derive from them neither in the results of operations nor on liquidity, nor in the financial position at a consolidated level of the Group, as at the level of the individual Bank. The Group Management considers that the provisions made in connection with these legal proceedings are adequate.</bbva:Descriptionofthelegalsituationoftheclausesoflimitationofinterestratesinmortgageloanswithconsumers>
  <ifrs-full:IssuedCapital id="ID_5802" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureofclassesofsharecapitalAxis_ifrs-full_OrdinarySharesMember" unitRef="EUR" decimals="1">3267264424.2</ifrs-full:IssuedCapital>
  <ifrs-full:NumberOfSharesIssuedAndFullyPaid id="ID_5803" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureofclassesofsharecapitalAxis_ifrs-full_OrdinarySharesMember" unitRef="shares" decimals="0">6667886580</ifrs-full:NumberOfSharesIssuedAndFullyPaid>
  <ifrs-full:ParValuePerShare id="ID_5804" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DisclosureofclassesofsharecapitalAxis_ifrs-full_OrdinarySharesMember" unitRef="EURSHARE" decimals="2">0.49</ifrs-full:ParValuePerShare>
  <ifrs-full:RightsPreferencesAndRestrictionsAttachingToClassOfShareCapital id="ID_5805" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DisclosureofclassesofsharecapitalAxis_ifrs-full_OrdinarySharesMember">The Bank&#8217;s shares are traded on the stock markets of Madrid, Barcelona, Bilbao and Valencia through the Sistema de Interconexi&#243;n Burs&#225;til Espa&#241;ol (Mercado Continuo), as well as on the London and Mexico stock markets. BBVA American Depositary Shares (ADSs) traded on the New York Stock Exchange.
Additionally, as of December 31, 2018, the shares of BBVA Banco Continental, S.A.; Banco Provincial, S.A.; BBVA Colombia, S.A.; BBVA Banco Franc&#233;s, S.A. and Turkiye Garanti Bankasi A.S., were listed on their respective local stock markets. BBVA Banco Franc&#233;s, S.A. was also quoted in the Latin American market (Latibex) of the Madrid Stock Exchange and the New York Stock Exchange.
As of December 31, 2018, State Street Bank and Trust Co., Chase Nominees Ltd and The Bank of New York Mellon SA NV in their capacity as international custodian/depositary banks, held 10.69%, 6.33%, and 2.31% of BBVA common stock, respectively. Of said positions held by the custodian banks, BBVA is not aware of any individual shareholders with direct or indirect holdings greater than or equal to 3% of BBVA common stock outstanding.</ifrs-full:RightsPreferencesAndRestrictionsAttachingToClassOfShareCapital>
  <ifrs-full:RightsPreferencesAndRestrictionsAttachingToClassOfShareCapital id="ID_5806" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_DisclosureofclassesofsharecapitalAxis_ifrs-full_OrdinarySharesMember">On February 4, 2019, Blackrock, Inc. reported to the SEC that, as of December 31, 2018, it beneficially owned 6.6% of BBVA&#8217;s common stock.</ifrs-full:RightsPreferencesAndRestrictionsAttachingToClassOfShareCapital>
  <bbva:Percentageofsharescustodied id="ID_5807" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CustodianbanksAxis_bbva_StatestreetbankandtrustcoMember">10.69%</bbva:Percentageofsharescustodied>
  <bbva:Percentageofsharescustodied id="ID_5808" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CustodianbanksAxis_bbva_ChasenomineesltdMember">6.33%</bbva:Percentageofsharescustodied>
  <bbva:Percentageofsharescustodied id="ID_5809" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CustodianbanksAxis_bbva_ThebankofnewyorkmellonsanvMember">2.31%</bbva:Percentageofsharescustodied>
  <ifrs-full:StatutoryReserve id="ID_5810" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">653000000</ifrs-full:StatutoryReserve>
  <ifrs-full:StatutoryReserve id="ID_5811" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">644000000</ifrs-full:StatutoryReserve>
  <ifrs-full:StatutoryReserve id="ID_5812" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">624000000</ifrs-full:StatutoryReserve>
  <bbva:Restrictedreserves id="ID_5813" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">133000000</bbva:Restrictedreserves>
  <bbva:Restrictedreserves id="ID_5814" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">159000000</bbva:Restrictedreserves>
  <bbva:Restrictedreserves id="ID_5815" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">201000000</bbva:Restrictedreserves>
  <bbva:Voluntaryreserves id="ID_5816" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">8010000000</bbva:Voluntaryreserves>
  <bbva:Voluntaryreserves id="ID_5817" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">8643000000</bbva:Voluntaryreserves>
  <bbva:Voluntaryreserves id="ID_5818" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">8521000000</bbva:Voluntaryreserves>
  <bbva:Totalreservesholdingcompany id="ID_5819" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">8799000000</bbva:Totalreservesholdingcompany>
  <bbva:Totalreservesholdingcompany id="ID_5820" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">9458000000</bbva:Totalreservesholdingcompany>
  <bbva:Totalreservesholdingcompany id="ID_5821" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">9366000000</bbva:Totalreservesholdingcompany>
  <bbva:Consolidationreservesattributedtothebankanddependentsconsolidatedcompanies id="ID_5822" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">14164000000</bbva:Consolidationreservesattributedtothebankanddependentsconsolidatedcompanies>
  <bbva:Consolidationreservesattributedtothebankanddependentsconsolidatedcompanies id="ID_5823" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">14132000000</bbva:Consolidationreservesattributedtothebankanddependentsconsolidatedcompanies>
  <bbva:Consolidationreservesattributedtothebankanddependentsconsolidatedcompanies id="ID_5824" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">12439000000</bbva:Consolidationreservesattributedtothebankanddependentsconsolidatedcompanies>
  <bbva:Totalretainedearningsrevaluationreservesandotherreserves id="ID_5825" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">22963000000</bbva:Totalretainedearningsrevaluationreservesandotherreserves>
  <bbva:Totalretainedearningsrevaluationreservesandotherreserves id="ID_5826" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">23590000000</bbva:Totalretainedearningsrevaluationreservesandotherreserves>
  <bbva:Totalretainedearningsrevaluationreservesandotherreserves id="ID_5827" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">21805000000</bbva:Totalretainedearningsrevaluationreservesandotherreserves>
  <bbva:Restrictedreserveforretiredcapital id="ID_5828" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">88000000</bbva:Restrictedreserveforretiredcapital>
  <bbva:Restrictedreserveforretiredcapital id="ID_5829" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">88000000</bbva:Restrictedreserveforretiredcapital>
  <bbva:Restrictedreserveforretiredcapital id="ID_5830" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">88000000</bbva:Restrictedreserveforretiredcapital>
  <bbva:Restrictedreserveforparentcompanysharesandloansforthoseshares id="ID_5831" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">44000000</bbva:Restrictedreserveforparentcompanysharesandloansforthoseshares>
  <bbva:Restrictedreserveforparentcompanysharesandloansforthoseshares id="ID_5832" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">69000000</bbva:Restrictedreserveforparentcompanysharesandloansforthoseshares>
  <bbva:Restrictedreserveforparentcompanysharesandloansforthoseshares id="ID_5833" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">111000000</bbva:Restrictedreserveforparentcompanysharesandloansforthoseshares>
  <bbva:Restrictedreserveforredonominationofcapitalineuro id="ID_5834" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">2000000</bbva:Restrictedreserveforredonominationofcapitalineuro>
  <bbva:Restrictedreserveforredonominationofcapitalineuro id="ID_5835" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">2000000</bbva:Restrictedreserveforredonominationofcapitalineuro>
  <bbva:Restrictedreserveforredonominationofcapitalineuro id="ID_5836" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">2000000</bbva:Restrictedreserveforredonominationofcapitalineuro>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5837" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_HoldingcompanyMember" unitRef="EUR" decimals="-6">14643000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5838" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_HoldingcompanyMember" unitRef="EUR" decimals="-6">15625000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5839" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_HoldingcompanyMember" unitRef="EUR" decimals="-6">14101000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5840" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvabancomerMember" unitRef="EUR" decimals="-6">10014000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5841" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvabancomerMember" unitRef="EUR" decimals="-6">9442000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5842" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvabancomerMember" unitRef="EUR" decimals="-6">9108000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5843" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvasegurossaMember" unitRef="EUR" decimals="-6">-127000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5844" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvasegurossaMember" unitRef="EUR" decimals="-6">-215000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5845" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvasegurossaMember" unitRef="EUR" decimals="-6">-62000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5846" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_CorporacingeneralfinancierasaMember" unitRef="EUR" decimals="-6">1084000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5847" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_CorporacingeneralfinancierasaMember" unitRef="EUR" decimals="-6">1202000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5848" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_CorporacingeneralfinancierasaMember" unitRef="EUR" decimals="-6">1187000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5849" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvabancoprovincialMember" unitRef="EUR" decimals="-6">-124000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5850" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvabancoprovincialMember" unitRef="EUR" decimals="-6">-113000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5851" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvabancoprovincialMember" unitRef="EUR" decimals="-6">-92000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5852" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvachileMember" unitRef="EUR" decimals="-6">552000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5853" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvachileMember" unitRef="EUR" decimals="-6">951000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5854" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvachileMember" unitRef="EUR" decimals="-6">1264000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5855" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvaparaguayMember" unitRef="EUR" decimals="-6">119000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5856" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvaparaguayMember" unitRef="EUR" decimals="-6">108000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5857" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvaparaguayMember" unitRef="EUR" decimals="-6">98000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5858" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_CompaadecarteraeinversionessaMember" unitRef="EUR" decimals="-6">108000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5859" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_CompaadecarteraeinversionessaMember" unitRef="EUR" decimals="-6">-20000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5860" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_CompaadecarteraeinversionessaMember" unitRef="EUR" decimals="-6">-27000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5861" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_AnidagrupoinmobiliarioslMember" unitRef="EUR" decimals="-6">363000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5862" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_AnidagrupoinmobiliarioslMember" unitRef="EUR" decimals="-6">515000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5863" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_AnidagrupoinmobiliarioslMember" unitRef="EUR" decimals="-6">528000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5864" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvasuizasaMember" unitRef="EUR" decimals="-6">-53000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5865" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvasuizasaMember" unitRef="EUR" decimals="-6">-57000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5866" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvasuizasaMember" unitRef="EUR" decimals="-6">-1000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5867" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvacontinentalMember" unitRef="EUR" decimals="-6">756000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5868" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvacontinentalMember" unitRef="EUR" decimals="-6">681000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5869" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvacontinentalMember" unitRef="EUR" decimals="-6">611000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5870" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvaluxinvestsaMember" unitRef="EUR" decimals="-6">-48000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5871" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvaluxinvestsaMember" unitRef="EUR" decimals="-6">25000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5872" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BbvaluxinvestsaMember" unitRef="EUR" decimals="-6">16000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5873" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvacolombiaMember" unitRef="EUR" decimals="-6">998000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5874" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvacolombiaMember" unitRef="EUR" decimals="-6">926000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5875" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvacolombiaMember" unitRef="EUR" decimals="-6">803000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5876" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvabancofrancsMember" unitRef="EUR" decimals="-6">103000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5877" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvabancofrancsMember" unitRef="EUR" decimals="-6">999000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5878" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_GrupobbvabancofrancsMember" unitRef="EUR" decimals="-6">827000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5879" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BancoindustrialdebilbaosaMember" unitRef="EUR" decimals="-6">0</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5880" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BancoindustrialdebilbaosaMember" unitRef="EUR" decimals="-6">25000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5881" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_BancoindustrialdebilbaosaMember" unitRef="EUR" decimals="-6">61000000</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5882" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_UnoEBankMember" unitRef="EUR" decimals="-6">0</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
  <bbva:Subtotalaccumulatedincomeandrevaluationreserves id="ID_5883" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_ListofgroupandsubsidiariesAxis_bbva_UnoEBankMember" unitRef="EUR" decimals="-6">0</bbva:Subtotalaccumulatedincomeandrevaluationreserves>
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  <bbva:Sharesinentityheldbyentityorbyitssubsidiariesorassociatesmillionsofeuros id="ID_5976" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Sharesinentityheldbyentityorbyitssubsidiariesorassociatesmillionsofeuros>
  <bbva:Treasurysharesheldbycorporacingeneralfinancierasa id="ID_5977" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">96000000</bbva:Treasurysharesheldbycorporacingeneralfinancierasa>
  <bbva:Treasurysharesheldbyothersubsidiaries id="ID_5978" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Treasurysharesheldbyothersubsidiaries>
  <bbva:Treasurysharesaveragepurchasepriceineuros id="ID_5979" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Treasurysharesaveragepurchasepriceineuros>
  <bbva:Treasurysharesaveragesellingpriceineuros id="ID_5980" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Treasurysharesaveragesellingpriceineuros>
  <bbva:Treasurysharesnetgainorlossesontransactions id="ID_5981" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">1000000</bbva:Treasurysharesnetgainorlossesontransactions>
  <bbva:Sharesinentityheldbyentityorbyitssubsidiariesorassociate id="ID_5982" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="shares" decimals="INF">0</bbva:Sharesinentityheldbyentityorbyitssubsidiariesorassociate>
  <bbva:Treasurysharesheldbycorporacingeneralfinancierasanumberofshares id="ID_5983" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="shares" decimals="INF">13339582</bbva:Treasurysharesheldbycorporacingeneralfinancierasanumberofshares>
  <bbva:Treasurysharesheldbyothersubsidiariesnumberofshares id="ID_5984" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="shares" decimals="INF">0</bbva:Treasurysharesheldbyothersubsidiariesnumberofshares>
  <bbva:Treasurysharesaveragepurchasepriceineurosnumberofshares id="ID_5985" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="shares" decimals="INF">7.03</bbva:Treasurysharesaveragepurchasepriceineurosnumberofshares>
  <bbva:Treasurysharesaveragesellingpriceineurosnumberofshares id="ID_5986" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="shares" decimals="INF">6.99</bbva:Treasurysharesaveragesellingpriceineurosnumberofshares>
  <bbva:Sharesinentityheldbyentityorbyitssubsidiariesorassociatesmillionsofeuros id="ID_5987" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">22000000</bbva:Sharesinentityheldbyentityorbyitssubsidiariesorassociatesmillionsofeuros>
  <bbva:Treasurysharesheldbycorporacingeneralfinancierasa id="ID_5988" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">26000000</bbva:Treasurysharesheldbycorporacingeneralfinancierasa>
  <bbva:Treasurysharesheldbyothersubsidiaries id="ID_5989" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Treasurysharesheldbyothersubsidiaries>
  <bbva:Treasurysharesaveragepurchasepriceineuros id="ID_5990" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Treasurysharesaveragepurchasepriceineuros>
  <bbva:Treasurysharesaveragesellingpriceineuros id="ID_5991" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Treasurysharesaveragesellingpriceineuros>
  <bbva:Treasurysharesnetgainorlossesontransactions id="ID_5992" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">-30000000</bbva:Treasurysharesnetgainorlossesontransactions>
  <bbva:Sharesinentityheldbyentityorbyitssubsidiariesorassociate id="ID_5993" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="shares" decimals="INF">2789894</bbva:Sharesinentityheldbyentityorbyitssubsidiariesorassociate>
  <bbva:Treasurysharesheldbycorporacingeneralfinancierasanumberofshares id="ID_5994" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="shares" decimals="INF">4440893</bbva:Treasurysharesheldbycorporacingeneralfinancierasanumberofshares>
  <bbva:Treasurysharesheldbyothersubsidiariesnumberofshares id="ID_5995" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="shares" decimals="INF">0</bbva:Treasurysharesheldbyothersubsidiariesnumberofshares>
  <bbva:Treasurysharesaveragepurchasepriceineurosnumberofshares id="ID_5996" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="shares" decimals="INF">5.27</bbva:Treasurysharesaveragepurchasepriceineurosnumberofshares>
  <bbva:Treasurysharesaveragesellingpriceineurosnumberofshares id="ID_5997" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="shares" decimals="INF">5.5</bbva:Treasurysharesaveragesellingpriceineurosnumberofshares>
  <bbva:Numberofsharesinpledge id="ID_5998" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="shares" decimals="0">61632832</bbva:Numberofsharesinpledge>
  <bbva:Numberofsharesinpledge id="ID_5999" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="shares" decimals="0">64633003</bbva:Numberofsharesinpledge>
  <bbva:Numberofsharesinpledge id="ID_6000" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="shares" decimals="0">90731198</bbva:Numberofsharesinpledge>
  <ifrs-full:ParValuePerShare id="ID_6001" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.49</ifrs-full:ParValuePerShare>
  <ifrs-full:ParValuePerShare id="ID_6002" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.49</ifrs-full:ParValuePerShare>
  <ifrs-full:ParValuePerShare id="ID_6003" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EURSHARE" decimals="2">0.49</ifrs-full:ParValuePerShare>
  <bbva:Percentagesharecapital id="ID_6004" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="pure" decimals="INF">0.0092</bbva:Percentagesharecapital>
  <bbva:Percentagesharecapital id="ID_6005" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="pure" decimals="INF">0.0097</bbva:Percentagesharecapital>
  <bbva:Percentagesharecapital id="ID_6006" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="pure" decimals="INF">0.0138</bbva:Percentagesharecapital>
  <bbva:Numberofsharesownedbythirdparties id="ID_6007" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="shares" decimals="0">25306229</bbva:Numberofsharesownedbythirdparties>
  <bbva:Numberofsharesownedbythirdparties id="ID_6008" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="shares" decimals="0">34597310</bbva:Numberofsharesownedbythirdparties>
  <bbva:Numberofsharesownedbythirdparties id="ID_6009" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="shares" decimals="0">85766602</bbva:Numberofsharesownedbythirdparties>
  <bbva:Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincome id="ID_6010" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincome>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6011" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacolombiaMember" unitRef="EUR" decimals="-6">67000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6012" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacolombiaMember" unitRef="EUR" decimals="-6">65000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6013" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacolombiaMember" unitRef="EUR" decimals="-6">67000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6014" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvachileMember" unitRef="EUR" decimals="-6">0</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6015" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvachileMember" unitRef="EUR" decimals="-6">399000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6016" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvachileMember" unitRef="EUR" decimals="-6">377000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6017" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacontinentalMember" unitRef="EUR" decimals="-6">1167000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6018" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacontinentalMember" unitRef="EUR" decimals="-6">1059000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6019" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacontinentalMember" unitRef="EUR" decimals="-6">1059000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6020" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancoprovincialMember" unitRef="EUR" decimals="-6">67000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6021" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancoprovincialMember" unitRef="EUR" decimals="-6">78000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6022" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancoprovincialMember" unitRef="EUR" decimals="-6">97000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6023" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancofrancesMember" unitRef="EUR" decimals="-6">352000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6024" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancofrancesMember" unitRef="EUR" decimals="-6">420000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6025" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancofrancesMember" unitRef="EUR" decimals="-6">243000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6026" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupogarantiturkiyebankasiMember" unitRef="EUR" decimals="-6">4058000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6027" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupogarantiturkiyebankasiMember" unitRef="EUR" decimals="-6">4903000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6028" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupogarantiturkiyebankasiMember" unitRef="EUR" decimals="-6">6157000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6029" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_OtherMember" unitRef="EUR" decimals="-6">53000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6030" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_OtherMember" unitRef="EUR" decimals="-6">55000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6031" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_OtherMember" unitRef="EUR" decimals="-6">64000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6032" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">5764000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6033" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">6979000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <ifrs-full:ProfitLossAttributableToNoncontrollingInterests id="ID_6034" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">8064000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
  <bbva:Noncontrollinginterest id="ID_6035" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacolombiaMember" unitRef="EUR" decimals="-6">9000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6036" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacolombiaMember" unitRef="EUR" decimals="-6">7000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6037" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacolombiaMember" unitRef="EUR" decimals="-6">9000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6038" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvachileMember" unitRef="EUR" decimals="-6">26000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6039" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvachileMember" unitRef="EUR" decimals="-6">51000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6040" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvachileMember" unitRef="EUR" decimals="-6">40000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6041" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacontinentalMember" unitRef="EUR" decimals="-6">227000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6042" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacontinentalMember" unitRef="EUR" decimals="-6">208000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6043" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvacontinentalMember" unitRef="EUR" decimals="-6">193000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6044" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancoprovincialMember" unitRef="EUR" decimals="-6">-5000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6045" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancoprovincialMember" unitRef="EUR" decimals="-6">-2000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6046" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancoprovincialMember" unitRef="EUR" decimals="-6">-2000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6047" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancofrancesMember" unitRef="EUR" decimals="-6">-18000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6048" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancofrancesMember" unitRef="EUR" decimals="-6">93000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6049" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupobbvabancofrancesMember" unitRef="EUR" decimals="-6">55000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6050" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_GrupogarantiturkiyebankasiMember" unitRef="EUR" decimals="-6">585000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6051" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_GrupogarantiturkiyebankasiMember" unitRef="EUR" decimals="-6">883000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6052" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_GrupogarantiturkiyebankasiMember" unitRef="EUR" decimals="-6">917000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6053" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_OtherMember" unitRef="EUR" decimals="-6">4000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6054" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_OtherMember" unitRef="EUR" decimals="-6">4000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6055" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_OtherMember" unitRef="EUR" decimals="-6">8000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6056" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_GroupsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">827000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6057" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_GroupsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">1244000000</bbva:Noncontrollinginterest>
  <bbva:Noncontrollinginterest id="ID_6058" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_GroupsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">1218000000</bbva:Noncontrollinginterest>
  <bbva:Phasedintotalcapitalratioattheindividuallevel id="ID_6059" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalcapitalratiobreakdownAxis_bbva_Minimuncet1capitalratiorequiredunderpilar1Member">Taking into account fully application of capital buffers since January 1, 2019 and considering last capital requirement communicated from ECB, BBVA has to maintain since January 1, 2019  i) a CET1 ratio of 9.26% at consolidated level and ii) a total capital ratio of 12.76% at consolidated level</bbva:Phasedintotalcapitalratioattheindividuallevel>
  <bbva:Phasedintotalcapitalratioattheindividuallevel id="ID_6060" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalcapitalratiobreakdownAxis_bbva_Pilar1additionaltier1capitalrequirementsMember">i) the minimum common equity tier 1 capital (CET1) requirement under Pillar 1 (4.5%); ii) the additional tier 1 capital (AT1) requirement under Pillar 1 (1.5%)</bbva:Phasedintotalcapitalratioattheindividuallevel>
  <bbva:Phasedintotalcapitalratioattheindividuallevel id="ID_6061" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalcapitalratiobreakdownAxis_bbva_Pilartier2capitalrequirementsMember">iii) the tier 2 capital requirement under Pillar 1 (2%)</bbva:Phasedintotalcapitalratioattheindividuallevel>
  <bbva:Phasedintotalcapitalratioattheindividuallevel id="ID_6062" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalcapitalratiobreakdownAxis_bbva_Pilar2cet1capitalrequirementsMember">iv) the CET1 capital requirement under Pillar 2 (1.5%)</bbva:Phasedintotalcapitalratioattheindividuallevel>
  <bbva:Phasedintotalcapitalratioattheindividuallevel id="ID_6063" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalcapitalratiobreakdownAxis_bbva_CapitalconservationbufferMember">v) the capital conservation buffer (2.5% of CET1)</bbva:Phasedintotalcapitalratioattheindividuallevel>
  <bbva:Phasedintotalcapitalratioattheindividuallevel id="ID_6064" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TotalcapitalratiobreakdownAxis_bbva_OthersistematicimportantinstitutionbufferMember">vi) the Other Systemic Important Institution buffer (OSII) (0.75% of CET1); and vii) the countercyclical capital buffer (0.01% of CET1)</bbva:Phasedintotalcapitalratioattheindividuallevel>
  <bbva:Retainedearningsrevaluationreserveandotherreserves id="ID_6065" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">22963000000</bbva:Retainedearningsrevaluationreserveandotherreserves>
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  <ifrs-full:RevenueFromInterest id="ID_7270" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TypeofforeignAxis_bbva_EuropeanunionMember_bbva_TypeofgeographyAxis_bbva_ForeigngeographyMember" unitRef="EUR" decimals="-6">422000000</ifrs-full:RevenueFromInterest>
  <ifrs-full:RevenueFromInterest id="ID_7271" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TypeofforeignAxis_bbva_EuropeanunionMember_bbva_TypeofgeographyAxis_bbva_ForeigngeographyMember" unitRef="EUR" decimals="-6">291000000</ifrs-full:RevenueFromInterest>
  <ifrs-full:RevenueFromInterest id="ID_7272" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TypeofforeignAxis_bbva_RestofcountriesbbvasaMember_bbva_TypeofgeographyAxis_bbva_ForeigngeographyMember" unitRef="EUR" decimals="-6">24370000000</ifrs-full:RevenueFromInterest>
  <ifrs-full:RevenueFromInterest id="ID_7273" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TypeofforeignAxis_bbva_RestofcountriesbbvasaMember_bbva_TypeofgeographyAxis_bbva_ForeigngeographyMember" unitRef="EUR" decimals="-6">23781000000</ifrs-full:RevenueFromInterest>
  <ifrs-full:RevenueFromInterest id="ID_7274" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TypeofforeignAxis_bbva_RestofcountriesbbvasaMember_bbva_TypeofgeographyAxis_bbva_ForeigngeographyMember" unitRef="EUR" decimals="-6">21455000000</ifrs-full:RevenueFromInterest>
  <ifrs-full:RevenueFromInterest id="ID_7275" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TypeofforeignAxis_bbva_TotalMember_bbva_TypeofgeographyAxis_bbva_TotaldomesticforeignMember" unitRef="EUR" decimals="-6">29831000000</ifrs-full:RevenueFromInterest>
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  <ifrs-full:RevenueFromInterest id="ID_7278" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TypeofforeignAxis_bbva_BbvaeurozoneMember_bbva_TypeofgeographyAxis_bbva_ForeigngeographyMember" unitRef="EUR" decimals="-6">391000000</ifrs-full:RevenueFromInterest>
  <ifrs-full:RevenueFromInterest id="ID_7279" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TypeofforeignAxis_bbva_BbvaeurozoneMember_bbva_TypeofgeographyAxis_bbva_ForeigngeographyMember" unitRef="EUR" decimals="-6">239000000</ifrs-full:RevenueFromInterest>
  <ifrs-full:RevenueFromInterest id="ID_7280" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TypeofforeignAxis_bbva_BbvaeurozoneMember_bbva_TypeofgeographyAxis_bbva_ForeigngeographyMember" unitRef="EUR" decimals="-6">291000000</ifrs-full:RevenueFromInterest>
  <ifrs-full:RevenueFromInterest id="ID_7281" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TypeofforeignAxis_bbva_NoEurozoneMember_bbva_TypeofgeographyAxis_bbva_ForeigngeographyMember" unitRef="EUR" decimals="-6">117000000</ifrs-full:RevenueFromInterest>
  <ifrs-full:RevenueFromInterest id="ID_7282" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TypeofforeignAxis_bbva_NoEurozoneMember_bbva_TypeofgeographyAxis_bbva_ForeigngeographyMember" unitRef="EUR" decimals="-6">183000000</ifrs-full:RevenueFromInterest>
  <ifrs-full:RevenueFromInterest id="ID_7283" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TypeofforeignAxis_bbva_NoEurozoneMember_bbva_TypeofgeographyAxis_bbva_ForeigngeographyMember" unitRef="EUR" decimals="-6">0</ifrs-full:RevenueFromInterest>
  <ifrs-full:DescriptionOfNatureOfNonadjustingEventAfterReportingPeriod id="ID_7284" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">On January 15, 2019, BBVA announced its irrevocable decision to early redeem, on February 19, 2019, the issuance of preferred securities contingently convertible (additional tier 1 instrument) carried out by the Bank on February 19, 2014, for an amount of &#8364;1.5 billion on the First Reset Date of the issuance and once the prior consent from the Regulator was obtained (see Note 22.4).
The Board of Directors, in their meeting on January 31, 2019, agreed on carrying out an issuance of bonds convertible into ordinary shares of BBVA with exclusion of pre-emptive subscription rights, under the power delegated by the General Shareholders' Meeting of the Company held on March 17, 2017 under the fifth item on the agenda which is pending to be executed.
On February 1, 2019 it was announced that it was foreseen to submit to the consideration of the corresponding government bodies the proposal of cash payment in a gross amount of euro 0.16 per share to be paid in April as final dividend for 2018 (see Note 4).
On February 14, 2019, the results of the supervisory review and evaluation process (SREP) were announced.
On 19 February, BBVA announced the irrevocable decision to early redeem, on April 11, the issuance of subordinated bonds (Subordinated Notes) that has been computed as Tier 2 capital for an amount of &#8364;1.5 billion, coinciding with the Optional Amortization date of said issue, and once the prior consent from the Regulator has been obtained.
From January 1, 2019 to the date of preparation of these Consolidated Financial Statements, no other subsequent events not mentioned above in these financial statements have taken place that could significantly affect the Group&#8217;s earnings or its equity position.</ifrs-full:DescriptionOfNatureOfNonadjustingEventAfterReportingPeriod>
  <ifrs-full:DisclosureOfCreditRiskExposureExplanatory id="ID_7285" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Maximum Credit Risk Exposure (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Financial assets held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;59.581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25.577&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5.254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28.750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;5.135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1.803&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;237&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.095&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;1.313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Derivatives (trading and hedging) &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;38.249&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;56.332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;56.329&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;53.737&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;53.734&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2.595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;431.927&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;384.632&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;30.902&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;16.394&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.947&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3.947&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9.175&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9.131&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;386.225&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;339.204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30.673&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16.348&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32.580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32.350&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Total financial assets risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;592.538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;440.960&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;30.905&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;16.394&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;Total loan commitments and financial guarantees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;170.511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;161.404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;8.120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;987&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004580;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total maximum credit exposure&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004580;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004580;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;763.049&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004580;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004580;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004580;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;There was no similar breakdown before the implementation of IFRS 9 on January 1, 2018 (see Note 2.1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfCreditRiskExposureExplanatory>
  <bbva:Loansandadvancesbreakdownbycounterparty id="ID_7286" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:708,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:708,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:162pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Provisions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Gross carrying amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;By product&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;151&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(193)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.834&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15.446&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.048)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.495&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;948&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.190&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;17.436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(280)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;17.716&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;406&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.650&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(427)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9.077&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;293&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;770&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;772&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.911&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26.839&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.947&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.030&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;133.573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;157.760&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;332.060&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(10.204)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;342.264&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.592&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.771&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.088&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;984&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.962&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(63)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.025&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:162pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.941&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;29.917&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;9.196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;9.468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;163.922&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;172.522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;388.966&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(12.217)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;401.183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;By secured loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans collateralized by immovable property&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.056&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;219&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;26.784&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;111.809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;139.883&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(4.122)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;144.005&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;7.179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.389&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;31.393&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;6.835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;47.081&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(774)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;47.855&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;By purpose of the loan&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;40.124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;40.124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(2.613)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;42.736&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;111.007&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;111.007&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(1.945)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;112.952&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;By subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:162pt;text-align:left;vertical-align:middle;border-color:Black;min-width:162pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;13.973&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;13.973&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;(312)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;14.286&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:707,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:707,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;270&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.663&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.560&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.862&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.964&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15.835&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;497&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20.385&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;198&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22.705&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.040&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;361&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.642&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.290&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26.300&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26.983&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.463&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;125.228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;155.418&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;324.848&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.964&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.005&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.044&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.459&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12.995&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;7.301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;32.294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;26.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;18.525&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;164.637&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;172.868&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;421.886&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans (Loans collateralized by immovable property)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;308&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;37.353&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;116.938&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;155.597&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;7.167&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;13.501&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;12.907&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;24.100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;9.092&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;66.767&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;40.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;40.705&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;114.709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;114.709&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;16.412&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;16.412&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:707,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:707,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;373&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.719&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.596&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.091&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20.246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;418&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;23.753&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;57&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9.442&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;81&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15.597&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.746&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22.968&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.814&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29.140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.878&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;136.105&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;167.892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;356.524&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.410&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.083&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.082&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;620&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.389&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;8.894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;34.820&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;31.373&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;17.009&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;176.192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;186.633&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;454.921&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans [Loans collateralized by immovable property]&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;4.722&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;44.406&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;132.398&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;182.328&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;3.700&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;15.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;8.164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;21.863&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;6.061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;54.979&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;44.504&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;44.504&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;127.606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;127.606&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;19.269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;19.269&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Loansandadvancesbreakdownbycounterparty>
  <bbva:Guaranteedfinancialinstrumentsbasedonifrs9 id="ID_7287" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:10,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Maximum exposure to credit risk&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:251,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:251,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Of which secured by collateral&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Residential properties&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Commercial properties&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Cash&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Financial&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Impaired financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.394&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.255&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;502&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;16.394&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.255&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;502&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Guaranteedfinancialinstrumentsbasedonifrs9>
  <bbva:Bbvaabridgedratingscale id="ID_7288" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;External rating&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Internal rating&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:290,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:290,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Probability of default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;(basis points)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Standard&amp;amp;Poor&amp;#39;s List&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Reduced List (22 groups)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Minimum from &amp;gt;=&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Maximum &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AAA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AAA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;B+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;B+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;255&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;B&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;B&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;441&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;335&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;581&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;B-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;B-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;785&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.061&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.336&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.684&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CCC-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.890&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.684&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.381&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.673&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.000&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.673&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.367&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;CC-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.780&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.367&lt;/font&gt;&lt;/td&gt;&lt;td style='width:96,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:96,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.243&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Bbvaabridgedratingscale>
  <bbva:Probabilityofdefault id="ID_7289" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:285pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:285pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:middle;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Subject to 12 month ECL (Stage 1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Subject to lifetime ECL (Stage 2)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:198pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Probability of default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;(basis points)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0 to 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,0&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2 to 5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5 to 11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,0&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11 to 39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39 to 194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30,1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;194 to 1,061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,061 to 2,121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:198pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&amp;gt; 2,021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0,2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:198pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:198pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#003366;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;91,7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:142,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#003366;border-color:Black;min-width:142,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8,3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;There was no similar breakdown before the implementation of IFRS 9 on January 1, 2018 (see Note 2.1).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Probabilityofdefault>
  <bbva:Pastduebutnotimpaired id="ID_7290" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='10' rowspan='1' style='width:710,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:182,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:182,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Assets without significant increase in credit risk since initial recognition (Stage 1)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:182,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:182,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Assets with significant increase in credit risk since initial recognition but not credit-impaired (Stage 2)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:182,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:182,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired assets (Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;lt;= 30 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 30 days &amp;lt;= 90 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 90 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;lt;= 30 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 30 days &amp;lt;= 90 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 90 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;lt;= 30 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 30 days &amp;lt;= 90 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 90 days&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;4.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;4.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;3.228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;900&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.769&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;224&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.282&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.180&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;149&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;276&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.333&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.971&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;618&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;900&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;2.774&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances by product, by collateral and by subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand (call) and short notice (current account)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;127&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;120&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;307&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.421&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.575&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.869&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;369&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;840&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans collateralized by immovable property&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.681&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.745&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;251&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;712&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.365&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;255&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;742&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;910&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.278&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;424&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;281&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.365&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.394&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1.404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;170&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;839&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:163,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:163,5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;382&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60,75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:60,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:714,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:714,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2017 (Millions of euros) (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19,5pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:189pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:189pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Past due but not impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Impaired assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Carrying amount of the impaired assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Specific allowances for financial assets, individually and collectively estimated&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Collective allowances for incurred but not reported losses&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Accumulated write-offs&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:60,75pt;' &gt;&lt;td style='width:210,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;#8804; 30 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 30 days &amp;#8804; 60 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 60 days &amp;#8804; 90 days&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;3.432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;759&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;19.401&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;10.726&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(8.675)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(4.109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(29.938)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(69)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(30)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;153&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;170&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.791&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.599)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.939)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(18.988)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.512&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;603&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;319&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.395&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.022)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2.052)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(10.913)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;759&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;19.467&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;10.764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(8.703)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(4.130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(29.938)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances by product, by collateral and by subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand (call) and short notice (current account)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;389&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;151&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(238)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;629&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;190&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(439)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;115&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;515&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(336)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;431&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;155&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(276)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;17.417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7.370)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans (Loans collateralized by immovable property)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.345&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.388&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.630&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.757)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;592&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;803&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(310)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.260&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.551&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;457&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.093)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.034&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;307&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.444&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.286)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;895&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(271)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Figures originally reported in the year 2017 in accordance to the applicable regulation, without restatements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:714,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:714,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2016 (Millions of euros) (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19,5pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:189pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:189pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Past due but not impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Impaired assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Carrying amount of the impaired assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Specific allowances for financial assets, individually and collectively estimated&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Collective allowances for incurred but not reported losses&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:63pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Accumulated write-offs&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:60,75pt;' &gt;&lt;td style='width:210,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;lt;= 30 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 30 days &amp;lt;= 60 days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;&amp;gt; 60 days &amp;lt;= 90 days&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;272&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(144)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(46)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;3.384&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;735&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;22.925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;12.133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(10.793)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(5.224)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(29.346)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;256&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(39)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(57)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;968&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.786&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.383&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7.402)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2.789)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(18.020)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;479&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;426&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.483&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.319)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2.329)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11.303)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;TOTAL&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;3.384&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;735&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;23.197&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;12.261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(10.937)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(5.270)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(29.347)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Loans and advances by product, by collateral and by subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;On demand (call) and short notice (current account)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;249&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(313)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;377&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(529)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;51&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;424&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(337)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(264)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;469&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;407&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20.765&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.429&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(9.336)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: mortgage loans (Loans collateralized by immovable property)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9.008&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.850)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;656&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(275)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.186&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.622&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;455&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.168)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;883&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;105&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.094&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.546&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.548)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:210,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:210,75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-style:italic;color:#808080;' &gt;of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;105&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(147)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:63pt;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:63pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Figures originally reported in the year 2016 in accordance to the applicable regulation, without restatements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Pastduebutnotimpaired>
  <bbva:Loansandadvancesimpairedandaccumulatedimpairmetnt id="ID_7291" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Accumulated impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing loans and advances as a % of the total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(22)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8.372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(6.260)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Agriculture, forestry and fishing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(107)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mining and quarrying&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(70)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Manufacturing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.134)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Electricity, gas, steam and air conditioning supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;585&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(446)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Water supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.488&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.007)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale and retail trade&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.259)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transport and storage&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;459&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(374)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accommodation and food service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;315&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(204)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Information and communication&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(72)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial and insurance activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;147&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(128)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Real estate activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;834&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(624)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Professional, scientific and technical activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(171)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Administrative and support service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(125)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Public administration and defense, compulsory social security&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Education&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Human health services and social work activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(63)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Arts, entertainment and recreation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(41)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:225,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(382)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7.838&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(5.833)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:225,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:225,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;LOANS AND ADVANCES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16.359&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12.211)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:485,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:485,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:90,75pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Accumulated impairment or Accumulated changes in fair value due to credit risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing loans and advances as a % of the total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(111)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10.791&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(7.538)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Agriculture, forestry and fishing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;166&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mining and quarrying&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;177&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Manufacturing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.239&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(955)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Electricity, gas, steam and air conditioning supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;213&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(289)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Water supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.708)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale and retail trade&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.706&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.230)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transport and storage&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;441&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(353)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accommodation and food service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;362&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(222)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Information and communication&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;984&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(256)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Real estate activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.100)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Professional, scientific and technical activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(183)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Administrative and support service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Public administration and defense, compulsory social security&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Education&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Human health services and social work activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(68)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Arts, entertainment and recreation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(38)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(716)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8.417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(5.073)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;LOANS AND ADVANCES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;19.401&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12.784)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:86,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:86,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12,75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:78pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Accumulated impairment or Accumulated changes in fair value due to credit risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Non-performing loans and advances as a % of the total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(52)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;0,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;13.786&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(10.192)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Agriculture, forestry and fishing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(188)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mining and quarrying&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;126&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(83)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Manufacturing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.569&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.201)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Electricity, gas, steam and air conditioning supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;569&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(402)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Water supply&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.358&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3.162)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale and retail trade&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.857&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.418)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transport and storage&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(501)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,5%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accommodation and food service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;499&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(273)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Information and communication&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(110)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Real estate activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.441&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.074)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Professional, scientific and technical activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(380)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Administrative and support service activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(107)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Public administration and defense, compulsory social security&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Education&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(31)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Human health services and social work activities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(88)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,8%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Arts, entertainment and recreation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(51)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:226,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.088)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8.801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(5.648)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4,6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:226,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:226,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;LOANS AND ADVANCES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22.925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(16.016)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:85,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:85,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Loansandadvancesimpairedandaccumulatedimpairmetnt>
  <bbva:Changesinimpairedfinancialassetsandcontingentrisks id="ID_7292" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Changes in Impaired Financial Assets and Contingent Risks (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;20.590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;26.103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.856&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.133&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Decreases (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6.909)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7.771)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(7.633)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Net additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2.883&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3.500&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Amounts written-off&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5.076)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5.758)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5.592)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:332,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange differences and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1.264)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(615)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(134)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:332,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:332,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;17.134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;20.590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23.877&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)   Reflects the total amount of impaired loans derecognized from the consolidated balance sheet throughout the year as a result of mortgage foreclosures and real estate assets received in lieu &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;of payment as well as monetary recoveries (see Notes 19 and 20 to the Consolidated Financial Statement for additional information).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Changesinimpairedfinancialassetsandcontingentrisks>
  <bbva:Changesinimpairedfinancialassetswrittenoff id="ID_7293" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Changes in Impaired Financial Assets Written-Off from the Balance Sheet (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;30,139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;29,347&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;26,143&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Increase:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,986&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,699&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Decrease:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4,210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4,442)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2,384)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Re-financing or restructuring&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Cash recovery&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(589)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(558)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(541)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Foreclosed assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(625)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(149)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(210)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Sales of written-off&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,805)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2,284)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(45)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Debt forgiveness&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(889)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,121)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(864)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Time-barred debt and other causes &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(292)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(321)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(692)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Net exchange differences&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;250&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(752)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(111)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;32,343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30,139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29,347&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Changesinimpairedfinancialassetswrittenoff>
  <bbva:Impairmentlossesvaluationadjustments id="ID_7294" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:711pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:711pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets at amortized cost. December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:225pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Not credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Purchased/originated credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (collectively assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (individually assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Opening balance (under IFRS 9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(2.237)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(1.827)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(525)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(9.371)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(13.960)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 1 to Stage 2 (not credit-impaired)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(930)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(218)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(940)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 2 (not credit - impaired) to Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(125)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;619&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers to Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;282&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;564&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2.127)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.226)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 3 to Stage 1 or 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(126)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(68)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;333&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Changes without transfers between Stages&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;358&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(260)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.775)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.730)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;New financial assets originated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.072)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(375)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(244)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.692)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Disposals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;115&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Repayments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.623&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Write-offs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.461&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(93)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;239&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Modifications that result in derecognition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Modifications that do not result in derecognition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(362)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(366)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.399&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(2.106)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(1.753)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(628)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(7.777)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(12.264)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:711pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:711pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income. December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:225pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Not credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Purchased/originated credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (collectively assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (individually assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Opening balance (under IFRS 9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(14)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Changes without transfers between Stages&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;New financial assets originated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Repayments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Modifications that do not result in derecognition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,5pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:711pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:711pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loan commitments and financial guarantees. December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:225pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Not credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Purchased/originated credit-impaired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;(Stage 3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (collectively assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances (individually assessed)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Loss allowances&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Opening balance (under IFRS 9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(200)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(135)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(285)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(704)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 1 to Stage 2 (not credit-impaired)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(81)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 2 (not credit - impaired) to Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers to Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfers from Stage 3 to Stage 1 or 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Changes without transfers between Stages&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;New financial assets originated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(102)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(154)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Disposals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Repayments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;202&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Modifications that do not result in derecognition&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(32)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:261pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:261pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(232)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(127)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(60)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(217)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(636)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:710,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2017 (Millions of euros) (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:38,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Opening balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Increases due to amounts set aside  for estimated loan losses during the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Decreases due to amounts  reversed for estimated loan losses during the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Decreases due to amounts taken against allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Transfers between allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Other adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Recoveries  recorded directly to the statement of profit or loss&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Specific allowances for financial assets, individually and collectively estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(10.937)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(7.484)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.878&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;4.503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1.810&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(8.703)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(144)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(28)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(103)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(10.793)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(7.458)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.872&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;4.503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1.687&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;513&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(8.675)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(39)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(70)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(42)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(287)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7.402)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.627)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.029&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(228)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.599)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;345&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.319)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.472)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;837&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.422&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.687&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(177)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.022)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;212&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Collective allowances for incurred but not reported losses on financial assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(5.270)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(1.783)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1.537&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(1.328)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(4.130)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(46)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11,1pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.224)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.776)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.328)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;554&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4.109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(16.206)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(9.267)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;5.037&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;6.038&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;482&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1.083&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(12.833)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Figures originally report&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ed in the year 2017 in accordance to the applicable regulation, without restatements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8,25pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:710,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:42,75pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Opening balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Increases due to amounts set aside  for estimated loan losses during the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Decreases due to amounts  reversed for estimated loan losses during the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Decreases due to amounts taken against allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Transfers between allowances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Other adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#003366;' &gt;Recoveries  recorded directly to the statement of profit or loss&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#969696;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Specific allowances for financial assets, individually and collectively estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(12.866)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(6.912)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.708&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;5.673&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;583&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(10.937)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;540&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(167)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(144)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(138)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(103)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(12.831)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(6.745)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2.702&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;5.610&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(113)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;585&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(10.793)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;540&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(37)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(39)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(38)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(34)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(9.225)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.705)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.257&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(278)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(7.402)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#808080;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.514)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.002)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;511&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.319)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;205&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16,5pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Collective allowances for incurred but not reported losses on financial assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(6.024)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(1.558)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1.463&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;(5.270)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(113)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(46)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.911)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.546)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.449&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.224)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:134,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:134,25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(18.890)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(8.470)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;4.172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;5.762&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;652&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;568&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;(16.206)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;541&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;*)  Figures originally reported in the year 2016 in accordance to the applicable regulation, without restatements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Impairmentlossesvaluationadjustments>
  <bbva:Headingsofbalancesheetundermarketrisk id="ID_7295" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Headings of the balance sheet under market risk (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:100,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;December 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,75pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Others (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Others (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Main market risk metrics - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Others (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8,25pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Assets subject to market risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57.486&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.459&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59.008&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;441&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64.623&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.480&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20,25pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.652&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.661&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.083&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28.771&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;Of which: Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.559&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives - Hedging accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;688&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;829&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.415&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Liabilities subject to market risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.026&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42.468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47.491&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.223&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:181,5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:181,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives - Hedging accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;910&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;638&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;689&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Includes mainly assets and liabilities managed by ALCO.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Headingsofbalancesheetundermarketrisk>
  <bbva:Varbyriskfactor id="ID_7296" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;VaR by Risk Factor (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Interest/Spread Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Currency Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Stock-market Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Vega/Correlation Risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Diversification Effect(*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR average in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR max in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR min in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;End of period VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:180,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR average in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR max in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR min in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;End of period VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(26)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:180,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;December 2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR average in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR max in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;VaR min in the year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(20)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:180,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:180,75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;End of period VaR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  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&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; scenarios used in the measurement.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Varbyriskfactor>
  <bbva:Expectedshortfall id="ID_7297" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13,15pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Millions of Euros&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Europe&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Peru&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Venezuela&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Argentina&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Compass&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,15pt;' &gt;&lt;td style='width:81pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:81pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Expected Shortfall&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(99)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(33)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Expectedshortfall>
  <bbva:Sensitivityanalysistointerestrate id="ID_7298" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Sensitivity to Interest-Rate Analysis - December 2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25,5pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:196,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:196,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Impact on Net Interest Income (*)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:196,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:196,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;Impact on Economic Value       (**)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;100 Basis-Point Increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;100 Basis-Point Decrease&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;100 Basis-Point Increase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' &gt;100 Basis-Point Decrease&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Europe (***)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (5% - 10%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (5% - 10%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;USA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (5% - 10%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (5% - 10%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (5% - 10%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;South America&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#003366;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;BBVA Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;+ (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#003366;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;- (0% - 5%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:7pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Percentage of &amp;quot;1 year&amp;quot; net interest income forecast for each unit.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:3pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Percentage of Core Capital for each unit.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(***)  In Europe downward movement includi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ng rates below the current ones.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Sensitivityanalysistointerestrate>
  <bbva:Effectofcompensation id="ID_7299" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:482.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Not Offset in the Consolidated Balance Sheets (D)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:60pt;' &gt;&lt;td style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Recognized (A)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Offset in the Consolidated Balance Sheets (B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount Presented in the Consolidated Balance Sheets (C=A-B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Cash Collateral Received/ Pledged&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount (E=C-D)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;49,908&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;16,480&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33,428&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;613&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19.5pt;' &gt;&lt;td style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Reverse repurchase, securities borrowing and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28,074&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28,032&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;28,022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(159)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;77,982&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;16,522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;61,460&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;53,046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7,959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;454&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;51,596&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17,101&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,788&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,682&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19.5pt;' &gt;&lt;td style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Repurchase, securities lending and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;43,035&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42,993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42,877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;94,631&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;17,143&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;77,487&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;67,901&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;6,822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;2,765&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:36pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Not Offset in the Consolidated Balance Sheets (D)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:91.5pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Recognized (A)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Offset in the Consolidated Balance Sheets (B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount Presented in the Consolidated Balance Sheets (C=A-B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Cash Collateral Received/ Pledged&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount (E=C-D)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;49,333&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11,584&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;37,749&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27,106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,202&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Reverse repurchase, securities borrowing and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26,426&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26,369&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26,612&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;141&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(384)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;75,759&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;11,641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;64,118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;53,717&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7,583&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;2,818&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:131.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;50,693&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11,644&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39,049&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;27,106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,615&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Repurchase, securities lending and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;40,134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;40,078&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;40,158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(101)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;90,827&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;11,701&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;79,126&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;67,264&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;8,349&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;3,514&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:39pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Not Offset in the Consolidated Balance Sheets (D)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:60pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Recognized (A)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Gross Amounts Offset in the Consolidated Balance Sheets (B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount Presented in the Consolidated Balance Sheets (C=A-B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial Instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Cash Collateral Received/ Pledged&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Net Amount (E=C-D)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59,374&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,587&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;45,788&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32,146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,571&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,070&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19.5pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Reverse repurchase, securities borrowing and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;25,833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22,921&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;23,080&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;174&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(333)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;85,208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;16,499&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;68,709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;55,226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;6,745&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;6,738&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:131.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Trading and hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10, 15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;59,545&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,080&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;45,465&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32,146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,272&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,047&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Repurchase, securities lending and similar agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;49,474&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46,562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;47,915&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1,529)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;109,019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;16,991&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;92,027&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;80,061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7,448&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;4,518&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Effectofcompensation>
  <bbva:Ltsscdbylmu id="ID_7300" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.15pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;LCR main LMU&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Group &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;127%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;128%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Eurozone&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;151%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Bancomer&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;154%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;148%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Compass(*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;143%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;144%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:383.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;209%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;134%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Compass LCR calculated according to local regulation (Fed Modified LCR).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.15pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;LtSCD by LMU&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;December 2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Group (average)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;106%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;110%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;113%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Eurozone&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;101%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;113%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Bancomer&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;114%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;109%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;113%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Compass&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;109%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;110%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;124%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:333pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other LMUs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;99%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;107%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Ltsscdbylmu>
  <bbva:Liquidityavailablebyinstrumentandsubsidiaries id="ID_7301" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:479,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:479,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24,95pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Eurozone&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Bancomer &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Compass &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Garanti Bank&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash and withdrawable central bank reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26.506&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.666&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.633&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.677&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 1 tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29.938&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.995&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.490&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,95pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 2A tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;449&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;409&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;510&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,95pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 2B tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.040&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,95pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5.661&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.043&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;499&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;617&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,95pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non tradable assets eligible for central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.314&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,95pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Cumulated Counterbalancing Capacity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;66.594&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.475&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;16.024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.634&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10.946&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:479,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:479,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Eurozone (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Bancomer &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;BBVA Compass &lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Garanti Bank&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash and withdrawable central bank reserves&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.634&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.649&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.692&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 1 tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38.954&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.805&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.028&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.705&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.141&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 2A tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;418&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;753&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Level 2B tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.995&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other tradable assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;6.734&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.703&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;962&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.573&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non tradable assets eligible for central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.800&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Cumulated Counterbalancing Capacity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;66.703&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;14.644&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;15.983&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;13.359&lt;/font&gt;&lt;/td&gt;&lt;td style='width:49,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:49,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;13.828&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(1)  Includes Spain, Portugal and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Rest of Eurasia.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Liquidityavailablebyinstrumentandsubsidiaries>
  <bbva:Matrixofresidualmaturities id="ID_7302" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15.75pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40,599&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;50,149&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in credit entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;801&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;141&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;133&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;178&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;6,211&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,408&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;664&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;375&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,724&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;896&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10,515&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reverse repo, securities borrowing and margin lending&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21,266&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,655&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;805&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,352&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;390&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;210&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;27,539&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25,939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,347&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,433&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42,100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32,336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53,386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;120,571&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;349,334&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities&amp;#39; portfolio settlement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,148&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,823&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,592&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,423&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,533&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42,738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;96,501&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20.45pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,678&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,652&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,160&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,736&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,225&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,040&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;69,858&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,599&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,992&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;377&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,149&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;904&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;19,544&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions and international agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,327&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,580&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;458&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;302&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;781&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;304&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,692&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;21,258&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;252,630&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,514&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,625&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,217&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,345&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;350,518&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Security pledge funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46,489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,219&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,274&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;97&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,911&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;526&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;218&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,627&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;76,515&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.6pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(75)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(523)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(68)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(117)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(67)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(392)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(840)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:61.5pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27.75pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,029&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;39,208&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in credit entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;181&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,868&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7,488&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;758&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;796&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;447&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,029&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;681&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;806&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,975&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;8,060&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reverse repo, securities borrowing and margin lending&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,979&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,689&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,921&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;426&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;727&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;26,354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21,203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,380&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43,973&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,383&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50,809&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;123,568&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;358,028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities&amp;#39; portfolio settlement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,579&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,423&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,380&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,789&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,289&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,070&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,666&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;99,747&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:52.5pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,238&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,772&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30,162&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;76,535&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,831&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,863&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,082&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,335&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;392&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;930&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;765&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,429&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;21,512&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions and international agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,700&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,827&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,290&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;554&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,045&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;25,307&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;233,068&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45,171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,616&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,428&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,612&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,034&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;341,448&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Security pledge funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,284&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;396&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;973&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,009&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;338&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,697&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;65,668&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(110)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(116)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(135)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(117)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(336)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(91)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(106)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(419)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(1,448)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:61.5pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;37,016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in credit entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;991&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,068&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;155&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;122&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,087&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10,002&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;967&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;675&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;532&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,330&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;918&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;942&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;7,608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Reverse repo, securities borrowing and margin lending&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,232&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;523&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;428&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;22,826&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;591&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,272&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25,990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,318&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,613&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,956&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,093&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55,561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;133,589&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;370,195&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Securities&amp;#39; portfolio settlement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;708&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,566&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,688&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,312&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,010&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,662&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51,472&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;112,039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='12' rowspan='1' style='width:710.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:710.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016. Contractual Maturities (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:52.5pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Demand &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Up to 1 Month&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 3 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 6 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6 to 9 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9 to 12 Months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1 to 2 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2 to 3 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3 to 5 Years &lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Over 5 Years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Wholesale funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;419&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,380&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,943&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,463&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,967&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,963&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;85,397&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,762&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,365&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,181&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,104&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;800&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;746&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,156&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;859&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;24,862&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits in other financial institutions and international agencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,375&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,542&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,382&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,566&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,897&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,340&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;686&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;44,114&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;206,140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49,053&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25,522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,736&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,863&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,619&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,060&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;781&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;936&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;335,052&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Security pledge funding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;38,153&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,403&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,004&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,281&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,712&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;72,626&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2,123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(95)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(190)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(111)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(326)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(132)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(82)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(105)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;(3,210)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Matrixofresidualmaturities>
  <bbva:Tableofencumberedassets id="ID_7303" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,864&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,864&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,485&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,157&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32,216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82,209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82,209&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;74,928&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;478,880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#000000;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#000000;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#000000;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#000000;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,297&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,297&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,616&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,616&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28,700&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29,798&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84,391&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;79,604&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;485,451&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:156pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:25.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of Encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Book value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Market value of non-encumbered assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,022&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40,114&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39,972&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90,679&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90,679&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:171.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:171.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;94,718&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;495,109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;background-color:#A6A6A6;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofencumberedassets>
  <bbva:Collateralreceived id="ID_7304" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:484.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:484.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018. Collateral received (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:72.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of encumbered collateral received or own debt securities issued&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of collateral received or own debt securities issued available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Nominal amount of collateral received or own debt securities issued not available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Collateral received&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;27,474&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5,633&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;319&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27,385&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,542&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;300&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Own debt securities issued other than own covered bonds or ABSs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017. Collateral received (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:72.75pt;' &gt;&lt;td style='width:249.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of encumbered collateral received or own debt securities issued&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of collateral received or own debt securities issued available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Nominal amount of collateral received or own debt securities issued not available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:249.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Collateral received&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;23,881&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;9,630&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:249.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:249.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,715&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,619&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:249.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;80&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:249.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:249.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Own debt securities issued other than own covered bonds or ABSs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:484.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:484.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016. Collateral received (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:72.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of encumbered collateral received or own debt securities issued&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Fair value of collateral received or own debt securities issued available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Nominal amount of collateral received or own debt securities issued not available for encumbrance&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Collateral received&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;19,921&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;10,039&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;173&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,863&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;144&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Own debt securities issued other than own covered bonds or ABSs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Collateralreceived>
  <bbva:Sourcesofencumbrance id="ID_7305" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:482.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2018. Sources of encumbrance (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:101.25pt;' &gt;&lt;td style='width:327.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Matching liabilities, contingent liabilities or securities lent&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets, collateral received and own&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;debt securities issued other than covered bonds and ABSs encumbered&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:327.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Book value of financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;113,498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;131,172&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:327.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,972&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,036&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:327.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;85,989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;97,361&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:327.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Outstanding subordinated debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,775&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:327.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:327.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other sources&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;3,972&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;4,330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:484.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:484.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2017. Sources of encumbrance (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30.6pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Matching liabilities, contingent liabilities or securities lent&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets, collateral received and own&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;debt securities issued other than covered bonds and ABSs encumbered&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Book value of financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;118,704&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;133,312&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;87,484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98,478&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Outstanding subordinated debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,377&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,732&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other sources&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:78pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;1,028&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;December 2016. Sources of encumbrance (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40.5pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Matching liabilities, contingent liabilities or securities lent&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets, collateral received and own&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;debt securities issued other than covered bonds and ABSs encumbered&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Book value of financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;134,387&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;153,632&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,304&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,794&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;96,137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108,268&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Outstanding subordinated debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28,946&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,569&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:328.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:328.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other sources&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:77.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:77.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;2,594&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Sourcesofencumbrance>
  <bbva:Percentagetreasurystock id="ID_7306" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_RangestreasurystockAxis_ifrs-full_BottomOfRangeMember" unitRef="pure" decimals="INF">0.002</bbva:Percentagetreasurystock>
  <bbva:Percentagetreasurystock id="ID_7307" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_RangestreasurystockAxis_ifrs-full_TopOfRangeMember" unitRef="pure" decimals="INF">0.0085</bbva:Percentagetreasurystock>
  <bbva:Percentagetreasurystock id="ID_7308" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_RangestreasurystockAxis_bbva_ClosingrangeMember" unitRef="pure" decimals="INF">0.00709</bbva:Percentagetreasurystock>
  <bbva:Percentagetreasurystock id="ID_7309" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_RangestreasurystockAxis_ifrs-full_BottomOfRangeMember" unitRef="pure" decimals="INF">0.00004</bbva:Percentagetreasurystock>
  <bbva:Percentagetreasurystock id="ID_7310" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_RangestreasurystockAxis_ifrs-full_TopOfRangeMember" unitRef="pure" decimals="INF">0.00278</bbva:Percentagetreasurystock>
  <bbva:Percentagetreasurystock id="ID_7311" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_RangestreasurystockAxis_bbva_ClosingrangeMember" unitRef="pure" decimals="INF">0.002</bbva:Percentagetreasurystock>
  <bbva:Percentagetreasurystock id="ID_7312" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_RangestreasurystockAxis_ifrs-full_BottomOfRangeMember" unitRef="pure" decimals="INF">0.00081</bbva:Percentagetreasurystock>
  <bbva:Percentagetreasurystock id="ID_7313" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_RangestreasurystockAxis_ifrs-full_TopOfRangeMember" unitRef="pure" decimals="INF">0.00756</bbva:Percentagetreasurystock>
  <bbva:Percentagetreasurystock id="ID_7314" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_RangestreasurystockAxis_bbva_ClosingrangeMember" unitRef="pure" decimals="INF">0.0011</bbva:Percentagetreasurystock>
  <ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory id="ID_7315" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This remuneration policy includes a specific settlement and payment system of the Annual Variable Remuneration applicable to the Identified Staff, including directors and senior management, under the following rules, among others: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A significant pe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rcentage of variable remuneration &amp;#8211; 60% in the case of executive directors, Senior Management and those Identified Staff members with particularly high variable remuneration, and 40% for the rest of the Identified Staff&amp;#8211; shall be deferred over a five-year &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;period, in the case of executive directors and Senior Management, and over a three-year period, for the remaining Identified Staff.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;50% of the variable remuneration of each year (including both upfront and deferred portions), shall be established in BBVA s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;hares, albeit a larger proportion (60%) in shares shall be deferred in the case of executive directors and Senior Management.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The variable remuneration will be subject to ex ante adjustments, so that it will not be accrued, or will be accrued in a reduced &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;amount, should a certain level of profit or capital ratio not be obtained. Likewise, the Annual Variable Remuneration will be reduced upon performance assessment in the event of negative evolution of the Bank&amp;#8217;s results or other parameters such as the level&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; of a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;chievement of budgeted targets.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The deferred component of the variable remuneration (in shares and in cash) may be reduced in its entirety, yet not increased, based on the result of multi-year performance indicators aligned with the Bank&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;fundamental risk management and control metrics, related to the solvency, capital, liquidity, funding or profitability, or to the share performance and recurring results of the Group. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;During the entire deferral period (5 or 3 years, as applicable) and ret&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ention period, variable remuneration shall be subject to malus and clawback arrangements, both linked to a downturn in financial performance of the Bank, specific unit or area, or individual, under certain circumstances. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;All shares shall be withheld for a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; period of one year after delivery, except for those shares required to honor the payment of taxes.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;No personal hedging strategies or insurance may be used in connection with remuneration and responsibility that may undermine the effects of alignment with &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;sound risk management. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The deferred amounts in cash subject to multi-year performance indicators that are finally paid shall be subject to updating, in the terms determined by the Bank&amp;#8217;s Board of Directors, upon proposal of the Remunerations Committee, wh&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ereas deferred amounts in shares shall not be updated.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Finally, the variable component of the remuneration of the Identified Staff members shall be limited to a maximum amount of 100% of the fixed component of total remuneration, unless the General Meeting&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; resolves to increase this percentage up to 200%.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory>
  <bbva:Numberofsharesreceivedbytheidentifystaffcorrespondingtotheinitialpaymentcorrespondingtopreviousyearannualvariableremunerationtobedeliveredinshares id="ID_7316" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="shares" decimals="0">3932268</bbva:Numberofsharesreceivedbytheidentifystaffcorrespondingtotheinitialpaymentcorrespondingtopreviousyearannualvariableremunerationtobedeliveredinshares>
  <ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement id="ID_7317" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FractionAxis_bbva_FirstthirdMember_bbva_RemunerationoriginAxis_bbva_DeferredremunerationMember" unitRef="shares" decimals="0">12120</ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement>
  <bbva:Adjustmentamountgrantedinsharebasedpaymentarrangement id="ID_7318" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FractionAxis_bbva_FirstthirdMember_bbva_RemunerationoriginAxis_bbva_DeferredremunerationMember" unitRef="EUR" decimals="0">2679</bbva:Adjustmentamountgrantedinsharebasedpaymentarrangement>
  <ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement id="ID_7319" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FractionAxis_bbva_SecondthirdMember_bbva_RemunerationoriginAxis_bbva_DeferredremunerationMember" unitRef="shares" decimals="0">10485</ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement>
  <bbva:Adjustmentamountgrantedinsharebasedpaymentarrangement id="ID_7320" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FractionAxis_bbva_SecondthirdMember_bbva_RemunerationoriginAxis_bbva_DeferredremunerationMember" unitRef="EUR" decimals="0">6186</bbva:Adjustmentamountgrantedinsharebasedpaymentarrangement>
  <ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement id="ID_7321" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FractionAxis_bbva_LastthirdMember_bbva_RemunerationoriginAxis_bbva_DeferredremunerationMember" unitRef="shares" decimals="0">7158</ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement>
  <bbva:Adjustmentamountgrantedinsharebasedpaymentarrangement id="ID_7322" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FractionAxis_bbva_LastthirdMember_bbva_RemunerationoriginAxis_bbva_DeferredremunerationMember" unitRef="EUR" decimals="0">6872</bbva:Adjustmentamountgrantedinsharebasedpaymentarrangement>
  <ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement id="ID_7323" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FractionAxis_bbva_TotalMember_bbva_RemunerationoriginAxis_bbva_RegulatoryrequirementsremunerationMember" unitRef="shares" decimals="0">39555</ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement>
  <ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement id="ID_7324" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FractionAxis_bbva_TotalMember_bbva_RemunerationoriginAxis_bbva_DeferredremunerationMember" unitRef="shares" decimals="0">941366</ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement>
  <bbva:Adjustmentamountgrantedinsharebasedpaymentarrangement id="ID_7325" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_FractionAxis_bbva_TotalMember_bbva_RemunerationoriginAxis_bbva_DeferredremunerationMember" unitRef="EUR" decimals="0">903711</bbva:Adjustmentamountgrantedinsharebasedpaymentarrangement>
  <bbva:Financingactivitiesliabilities id="ID_7326" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_DebtSecuritiesIssuedMember" unitRef="EUR" decimals="-6">46335000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7327" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_SubordinateddebtsecuritiesMember" unitRef="EUR" decimals="-6">17635000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7328" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_ShorttermdebtMember" unitRef="EUR" decimals="-6">11025000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7329" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_OtherfinancialliabilitiesMember" unitRef="EUR" decimals="-6">8495000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7330" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">83490000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7331" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_DebtSecuritiesIssuedMember" unitRef="EUR" decimals="-6">50635000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7332" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_SubordinateddebtsecuritiesMember" unitRef="EUR" decimals="-6">17443000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7333" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_ShorttermdebtMember" unitRef="EUR" decimals="-6">10013000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7334" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_OtherfinancialliabilitiesMember" unitRef="EUR" decimals="-6">8891000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7335" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">86982000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7336" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_DebtSecuritiesIssuedMember" unitRef="EUR" decimals="-6">59388000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7337" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_SubordinateddebtsecuritiesMember" unitRef="EUR" decimals="-6">16987000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7338" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_ShorttermdebtMember" unitRef="EUR" decimals="-6">11556000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7339" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_OtherfinancialliabilitiesMember" unitRef="EUR" decimals="-6">10179000000</bbva:Financingactivitiesliabilities>
  <bbva:Financingactivitiesliabilities id="ID_7340" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_MainvariancesinliabilitiesinfinancingactivitiesAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">98111000000</bbva:Financingactivitiesliabilities>
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  <ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory id="ID_7391" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Financial instruments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As mentioned in Note 1.3, IFRS 9 became effective as of January 1, 2018 and replaced IAS 39 regarding the classificati&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;on and measurement of financial assets and liabilities, the impairment of financial assets and hedge accounting.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The disclosures related to the financial years 2017 and 2016 are based on the accounting policies and valuation criteria applicable under IAS 3&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;9.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Classification and measurement of financial assets under IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Classification of financial assets&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 contains three main categories for financial assets classification: measured at amortized cost, measured at fair value with changes through other &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;comprehensive income, and measured at fair value through profit or loss.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The classification of financial assets measured at amortized cost or fair value must be carried out on the basis of two tests: the entity&amp;#39;s business model and the assessment of the co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ntractual cash flow, commonly known as the &amp;quot;solely payments of principle and interest&amp;quot; criterion (hereinafter, the SPPI).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;A debt instrument will be classified in the amortized cost portfolio if &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the two following conditions are fulfilled:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;financial asse&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;t is managed within a business model whose purpose is to maintain the financial assets to receive contractual cash flows; and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In accordance&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; with the contractual characteristics of the instrument its cash flows only represent the return of the principal and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; interest, basically understood as consideration for the time value of money and the debtor&amp;#39;s credit risk.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A debt instrument will be classified in the portfolio of financial assets at fair value with changes through other comprehensive income if the two fo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;llowing conditions are fulfilled:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The financial asset is managed with a business model whose purpose combines collection of the contractual cash flows and sale of the assets, and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The contractual characteristics of the instrument generate, at specific dates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;, cash flows which only represent the return of the principal and interest.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A debt instrument will be classified at fair value with changes in profit and loss provided that the entity&amp;#39;s business model for their management or the contractual characteristics&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of its cash flows do not require classification into one of the portfolios described above.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In general, equity instruments will be measured at fair value through profit or loss. However the Group may make an irrevocable election at initial recognition to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;present subsequent changes in the fair value through other comprehensive income.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Financial assets will only be reclassified when BBVA Group decides to change the business model. In this case, all of the financial assets assigned to this business model will&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; be reclassified. The change of the objective of the business model should occur before the date of the reclassification.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Valuation of financial assets&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All financial instruments are initially recognized at fair value plus, in the case of a financial asset &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;not at fair value through profit or loss, transaction costs that are directly attributable to the acquisition or issue of the instrument.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Excluding all trading derivatives not considered as accounting or economic hedges, all the changes in the fair value &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the financial instruments arising from the accrual of interest and similar items are recognized under the headings &amp;#8220;Interest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221;, as appropriate, in the accompanying consolidated income statement in the period in whic&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;h the change occurred (see Note 37). The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as described below, according to the categories of financial assets.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;&amp;#8220;Financial as&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt;sets held for trading&amp;#8221;, &amp;#8220;Non-trading financial assets mandatorily at fair value through profit and loss&amp;#8221; and &amp;#8220;Financial assets designated at fair value through profit or loss&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Financial assets are recorded under the heading &amp;#8220;Financial assets held for tradi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ng&amp;#8221; if the objective of the business model is to generate gains by buying and selling these financial instruments or generate short-term results. The financial assets recorded in the heading &amp;#8220;Non-trading financial assets mandatorily at fair value through p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rofit and loss&amp;#8221; are assigned to a business model which objective is to obtain the contractual cash flows and / or to sell those instruments but its contractual cash flows do not comply with the requirements of the SPPI test. In &amp;#8220;Financial assets designated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; at fair value through profit or loss&amp;#8221; the Group classifies financial assets only if it eliminates or significantly reduces a measurement or recognition inconsistency (an &amp;#8216;accounting mismatch&amp;#8217;) that would otherwise arise from measuring financial assets or &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;financial liabilities, or recognizing gains or losses on them, on different bases. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The assets recognized under these headings of the consolidated balance sheets are measured upon acquisition at fair value and changes in the fair value (gains or losses) ar&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e recognized as their net value under the heading &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; in the accompanying consolidated income statements (see Note 41). Interests from derivatives designated as economic hedges on interest rate are reco&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;gnized in &amp;#8220;Interest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221; (see Note 37), depending on the result of the hedging instrument. However, changes in fair value resulting from variations in foreign exchange rates are recognized under the heading &amp;#8220;Gains (losses&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;) on financial assets and liabilities, net&amp;#8221; in the accompanying consolidated income statements (Note 41).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;&amp;#8221;Financial assets at fair value through other comprehensive income&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Debt instruments&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Assets recognized under this heading in the consolidated balance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;sheets are measured at their fair value. Subsequent changes in fair value (gains or losses) are recognized temporarily net of tax effect, under the heading &amp;#8220;Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Fair val&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ue changes of debt instruments measured at fair value through other comprehensive income&amp;#8221; in the consolidated balance sheets (see Note 30).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The amounts recognized under the headings &amp;#8220;Accumulated other comprehensive income- Items that may be reclassified to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; profit or loss - Fair value changes of financial assets measured at fair value through other comprehensive income&amp;#8221; and &amp;#8220;Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Exchange differences&amp;#8221; continue to form part &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;of the Group&amp;#39;s consolidated equity until the corresponding asset is derecognized from the consolidated balance sheet or until an impairment loss is recognized on the corresponding financial instrument. If these assets are sold, these amounts are derecogniz&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ed and included under the headings &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; or &amp;#8220;Exchange differences, net&amp;quot;, as appropriate, in the consolidated income statement for the year in which they are derecognized (see Note 41).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The net impairment &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;losses in &amp;#8220;Financial assets at fair value through other comprehensive income&amp;#8221; over the year are recognized under the heading &amp;#8220;Impairment losses on financial assets, net &amp;#8211; Financial assets at fair value through other comprehensive income&amp;#8221; (see Note 47) in t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he consolidated income statements for that period.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Changes in foreign exchange rates which affect monetary items are recognized under the heading &amp;#8220;Exchange differences, net&amp;quot; in the accompanying consolidated income statements (see Note 41).&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Equity instrumen&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ts&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The BBVA Group, at the time of the initial recognition, may elect to present changes in the fair value in other comprehensive income of an investment in an equity instrument that is not held for trading. The election is irrevocable and can be made on an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; instrument-by-instrument basis. Subsequent changes in fair value (gains or losses) are recognized, under the heading &amp;#8220;Accumulated other comprehensive income (loss) &amp;#8211; Items that will not be reclassified to profit or loss &amp;#8211; Fair value changes of equity inst&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ruments measured at fair value through other comprehensive income&amp;#8221;.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;&amp;#8220;Financial assets at amortized cost&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;A financial asset is classified as subsequently measured at amortized cost if it is held within a business model whose objective is to hold financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;assets in order to collect and it meets the SPPI Criterion.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The assets under this category are subsequently measured at amortized cost, using the effective interest rate method.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Net impairment losses of assets recorded under these headings arising in each &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;period are recognized under the heading &amp;#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss &amp;#8211; financial assets measured at cost&amp;#8221; (see Note 47) in the consolidated income statement for that period.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Classification and measurement of financial liabilities under IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Classification of financial liabilities&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Under IFRS 9, financial liabilities are classified in the following categories:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial liabilities at amortized cost;&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial liabilities that&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; are held for trading including derivatives are financial instruments which are recorded in this category when the Group&amp;#8217;s objective is to generate gains by buying and selling these financial instruments;&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial liabilities that are designated at fair v&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;alue through profit or loss on initial recognition under the Fair Value Option. The Group has the option to designate irrevocably on initial recognition a financial liability as at fair value through profit or loss provided that doing so results in the eli&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;mination or significant reduction of measurement or recognition inconsistency, or if a group of financial liabilities, or a group of financial assets and financial liabilities, has to be managed, and its performance evaluated, on a fair value basis in acco&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;rdance with a documented risk management or investment strategy.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Valuation of financial liabilities&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All financial instruments are initially recognized at fair value plus, in the case of a financial liability not at fair value through profit or loss, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;transaction costs that are directly attributable to the acquisition or issue of the financial liability. Unless there is evidence to the contrary, the best evidence of the fair value of a financial instrument at initial recognition shall be the transaction&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; price.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Excluding all trading derivatives not considered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings &amp;#8220;Interest and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221;, as appropriate, in the accompanying consolidated income statement in the period in which the change occurred (see Note 37).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes in fair value after the initial recognition, for reasons other than those mentione&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d in the preceding paragraph, are treated as described below, according to the categories of financial liabilities.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;&amp;#8220;Financial liabilities held for trading&amp;#8221; and &amp;#8220;Financial liabilities designated at fair value through profit or loss&amp;#8220;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The subsequent changes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in the fair value (gains or losses) of the liabilities recognized under these headings of the consolidated balance sheets are recognized as their net value under the heading &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; in the accompanying con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;solidated income statements (see Note 41), except for the financial liabilities designated at fair value through profit and loss under the fair value option for which the amount of change in the fair value that is attributable to changes in the own credit &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;risk which is presented in under the heading &amp;#8220;Accumulated other comprehensive income (loss) &amp;#8211; Items that will not be reclassified to profit or loss &amp;#8211; Fair value changes of financial liabilities at fair value through profit or loss attributable to changes i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n their &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;credit risk&amp;#8221;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. Interests from derivatives designated as economic hedges on interest rate are recognized in &amp;#8220;Interest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221; (Note 37), depending on the result of the hedging instrument. However, changes in fair value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; resulting from variations in foreign exchange rates are recognized under the heading &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; in the accompanying consolidated income statements (Note 41).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;&amp;#8220;Financial liabilities at amortized cost&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The liab&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ilities under this category are subsequently measured at amortized cost, using the effective interest rate method.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Measurement of financial assets and liabilities under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Measurement of financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt;instruments and recognition of changes in subsequent fair value&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;All financial instruments are initially accounted for at fair value plus, in the case of a financial asset or financial liability not at fair value through profit or loss, transaction costs th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;at are directly attributable to the acquisition or issue of the financial asset or financial liability. Unless there is evidence to the contrary, the best evidence of the fair value of a financial instrument at initial recognition shall be the transaction &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;price.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Excluding all trading derivatives not considered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings &amp;#8220;Interest and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221;, as appropriate, in the accompanying consolidated income statement the year in which the change occurred (see Note 37). The dividends received from other entities, other than associated entities and joint venture entitie&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;s, are recognized under the heading &amp;#8220;Dividend income&amp;#8221; in the accompanying consolidated income statement in the year in which the right to receive them arises (see Note 38).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes in fair value after the initial recognition, for reasons other than &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;those mentioned in the preceding&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;paragraph, are treated as described below, according to the categories of financial assets and liabilities.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Financial assets and liabilities held for trading&amp;#8221; and &amp;#8220;Financial assets and liabilities designated at fair value &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;through profit or loss&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The assets and liabilities recognized under these headings of the consolidated balance sheets are measured upon acquisition at fair value and changes in the fair value (gains or losses) are recognized as their net value under the he&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ading &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; in the accompanying consolidated income statements (see Note 41). Interests from derivatives designated as economic or accounting hedges on interest rate are recognized under the heading &amp;#8220;Inte&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221; (Note 37), depending on the result of the hedging instrument&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#FF0000;' &gt;. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Changes in fair value resulting from variations in foreign exchange rates are recognized under the heading &amp;#8220;Gains (losses) on financial assets and li&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;abilities, net&amp;#8221; in the accompanying consolidated income statements (Note 41).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Financial assets at fair value through other comprehensive income&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assets recognized under this heading in the consolidated balance sheets are measured at their fair value. Sub&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sequent changes in fair value (gains or losses) are recognized temporarily net of tax effect, under the heading &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Financial assets at fair value through other compre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hensive income&amp;#8221; in the consolidated balance sheets (see Note 30).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amounts recognized under the headings &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Financial assets at fair value through other comprehens&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ive income&amp;#8221; and &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Exchange differences&amp;#8221; continue to form part of the Group&amp;#39;s consolidated equity until the corresponding asset is derecognized from the consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;balance sheet or until an impairment loss is recognized on the corresponding financial instrument. If these assets are sold, these amounts are derecognized and included under the headings &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; or &amp;#8220;Exchan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ge differences, net&amp;quot;, as appropriate, in the consolidated income statement for the year in which they are derecognized (see Note 41).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The net impairment losses in &amp;#8220;Financial assets at fair value through other comprehensive income&amp;#8221; over the year are recogni&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;zed under the heading &amp;#8220;Impairment losses on financial assets, net &amp;#8211; Other financial instruments not at fair value through profit or loss&amp;#8221; (see Note 47) in the consolidated income statements for that year.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Changes in the value of non-monetary items resultin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;g from changes in foreign exchange rates are recognized temporarily under the heading &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Exchange differences&amp;#8221; in the accompanying consolidated balance sheets. Change&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s in foreign exchange rates which affect monetary items are recognized under the heading &amp;#8220;Exchange differences, net&amp;quot; in the accompanying consolidated income statements (see Note 41).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Financial assets and liabilities at amortized cost&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assets and liabiliti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es recognized under these headings in the accompanying consolidated balance sheets are subsequently measured at &amp;#8220;amortized cost&amp;#8221; using the &amp;#8220;effective interest rate&amp;#8221; method. This is because the consolidated entities generally intend to hold such financial i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nstruments to maturity.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Net impairment losses of assets recognized under these headings arising in each year are recognized under the heading &amp;#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss &amp;#8211; fina&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ncial assets measured at cost&amp;#8221; (see Note 47) in the consolidated income statement for that year.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Derivatives-Hedge Accounting&amp;#8221; and &amp;#8220;Fair value changes of the hedged items in portfolio hedges of interest-rate risk&amp;#8221; applicable in the financial years 2018, 2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#094FA4;' &gt;017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assets and liabilities recognized under these headings in the accompanying consolidated balance sheets are measured at fair&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#7F7F7F;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;value.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Changes occurring subsequent to the designation of the hedging relationship in the measurement of financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;instruments designated as hedged items as well as financial instruments designated as hedge accounting instruments are recognized as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In fair value hedges, the changes in the fair value of the derivative and the hedged item attributable to the hedg&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ed risk are recognized under the heading &amp;#8220;Gains or losses from hedge accounting, net&amp;#8221; in the consolidated income statement, with a corresponding offset under the headings where hedging items (&amp;quot;Hedging derivatives&amp;quot;) and the hedged items are recognized, as a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;pplicable. Almost all of the hedges used by the Group are for interest-rate risks. Therefore, the valuation changes are recognized under the headings &amp;#8220;Interest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221;, as appropriate, in the accompanying consolidated income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; statement (see Note 37).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In fair value hedges of interest rate risk of a portfolio of financial instruments (portfolio-hedges), the gains or losses that arise in the measurement of the hedging instrument are recognized in the consolidated income &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;statement, and the gains or losses that arise from the change in the fair value of the hedged item (attributable to the hedged risk) are also recognized in the consolidated income statement (in both cases under the heading &amp;#8220;Gains or losses from hedge accou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;nting, net&amp;#8221;, using, as a balancing item, the headings &amp;quot;Fair value changes of the hedged items in portfolio hedges of interest rate risk&amp;quot; in the consolidated balance sheets, as applicable).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In cash flow hedges, the gain or loss on the hedging instruments re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;lating to the effective portion are recognized temporarily under the heading   &amp;#8221;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Hedging derivatives. Cash flow hedges&amp;#8221; in the consolidated balance sheets, with a ba&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;lancing entry under the heading &amp;#8220;Hedging derivatives&amp;#8221; of the Assets or Liabilities of the consolidated balance sheets as applicable. These differences are recognized in the accompanying consolidated income statement under the headings &amp;#8220;Interest and other i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ncome&amp;#8221; or &amp;#8220;Interest expense&amp;#8221; at the time when the gain or loss in the hedged instrument affects profit or loss, when the forecast transaction is executed or at the maturity date of the hedged item (see Note 37). &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Differences in the measurement of the hedgi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ng items corresponding to the ineffective portions of cash flow hedges are recognized directly in the heading &amp;#8220;Gains or losses from hedge accounting, net&amp;#8221; in the consolidated income statem&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ent (see Note 41).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In the hedges of net investments in foreign opera&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tions, the differences attributable to the effective portions of hedging items are recognized temporarily under the heading &amp;quot;Accumulated other comprehensive income - Items that may be reclassified to profit or loss &amp;#8211; Hedging of net investments in foreign t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ransactions&amp;quot; in the consolidated balance sheets with a balancing entry under the heading &amp;#8220;Hedging derivatives&amp;#8221; of the Assets or Liabilities of the consolidated balance sheets as applicable. These differences in valuation are recognized under the heading &amp;#8220;E&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;xchange differences, net&amp;quot; in the consolidated income statement when the investment in a foreign operation is disposed of or derecognized (see Note 41).&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Other financial instruments under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;exceptions are applicable with respect to the above general criteria:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Equity instruments whose fair value cannot be determined in a sufficiently objective manner and financial derivatives that have those instruments as their underlying asset and are settle&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;d by delivery of those instruments are recorded in the consolidated balance sheet at acquisition cost; this may be adjusted, where appropriate, for any impairment loss (see Note 8).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Accumulated other comprehensive income arising from financial instruments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;classified at the consolidated balance sheet date as &amp;#8220;Non-current assets and disposal groups classified as held for sale&amp;#8221; are recognized with the corresponding entry under the heading &amp;#8220;Accumulated other comprehensive income- Items that may be reclassified &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;to profit or loss &amp;#8211; Non-current assets and disposal groups classified as held for sale&amp;#8221; in the accompanying consolidated balance sheets (see note 30).&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Impairment losses on financial assets&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Definition of impaired financial assets under IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;replaced the &amp;quot;incurred loss&amp;quot; model in IAS 39 with one of &amp;quot;expected credit loss&amp;quot;. The IFRS 9 impairment model is applied to financial assets valued at amortized cost and to financial assets valued at fair value with changes in accumulated other comprehensiv&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e income, except for investments in equity instruments and contracts for financial guarantees and loan commitments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;unilaterally revocable by BBVA. Likewise, all the financial instruments valued at fair value with change through profit and loss are excluded&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; from the impairment model&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The new standard classifies financial instruments into three categories, which depend on the evolution of their credit risk from the moment of initial recognition. The first category includes the transactions when they are initi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ally recognized (Stage 1); the second comprises the financial assets for which a significant increase in credit risk has been identified since its initial recognition (Stage 2) and the third one, the impaired financial assets (Stage 3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The calculation of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the provisions for credit risk in each of these three categories must be done differently. In this way, expected loss up to 12 months for the financial assets classified in the first of the aforementioned categories must be recorded, while expected losses &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;estimated for the remaining life of the financial assets classified in the other two categories must be recorded. Thus, IFRS 9 differentiates between the following concepts of expected loss: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Expected loss at 12 months: expected credit loss that arises fro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;m possible default events within 12 months following the presentation date of the financial statements; and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Expected loss during the life of the transaction: this is the expected credit loss that arises from all possible default events over the remaining l&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ife of the financial instrument.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All this requires considerable judgment, both in the modeling for the estimation of the expected losses and in the forecasts, on how the economic factors affect such losses, which must be carried out on a weighted probabili&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ty basis. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group has applied the following definitions in accordance with IFRS 9:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Default&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA has applied a definition of default for financial instruments that is consistent with that used in internal credit risk management, as well as the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;indicators under applicable regulation at the date of implementation of IFRS 9. Both qualitative and quantitative indicators have been considered.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group has considered there is a default when one of the following situations occurs: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Payment &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;past-due fo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;r more than 90 days; or&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;There are r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;easonable doubts regarding the full reimbursement of the instrument.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with IFRS 9, the 90-day past-due stipulation may be waived in cases where the entity considers it appropriate, based on reasonable and doc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;umented information that it is appropriate to use a longer term. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;As of December 31, 2018, the Group has not considered periods higher than 90 days for any of the significant portfolios. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Credit impaired asset&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;An asset is credit-impaired according to IFRS 9&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset. Evidence that a financial asset is credit-impaired includes observable data about the following events:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Significant &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;financial&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; difficult&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;y of the issuer or the borrower.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A breach &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;of contract (e.g. a default or past due event).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A lender having granted a concession to the borrower &amp;#8211; for economic or contractual reasons relating to the borrower&amp;#8217;s financial difficulty &amp;#8211; that the lender would not&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; otherwise consider.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;It becoming probable that the borrower will enter bankruptcy or other financial reorganization.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The disappearance of an active market for that financial asset because of financial difficulties.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The purchase or origination of a financia&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;l asset at a deep discount that reflects the incurred credit losses.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;It may not be possible to identify a single discrete event. Instead, the combined effect of several events may cause financial assets to become credit-impaired.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The definition of impaired&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; financial assets in the Group is aligned with the definition of default explained in the above paragraphs.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Significant increase in credit risk &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The objective of the impairment requirements is to recognize lifetime expected credit losses for financial inst&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ruments for which there have been significant increases in credit risk since initial recognition considering all reasonable and supportable information, including that which is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;forward-looking.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The model developed by the Group for assessing the significant&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; increase in credit risk has a two-prong approach that is applied globally, although the specific characteristics of each geographic area are respected:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Quantitative criterion: the Group uses a quantitative analysis based on comparing the current expected &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;probability of default over the life of the transaction with the original adjusted expected probability of default, so that both values are comparable in terms of expected default probability for their residual life. The thresholds used for considering a s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ignificant increase in risk take into account special cases according to geographic areas and portfolios. Depending on how old current transactions are at the time implementation of the standard, some simplifications were made to compare the probabilities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;of default between the current and the initial moment, based on the best information available at that moment.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Qualitative criterion: most indicators for detecting significant risk increase are included in the Group&amp;#39;s systems through rating/scoring systems&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; or macroeconomic scenarios, so the quantitative analysis covers the majority of circumstances. The Group will use additional qualitative criteria when&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; it considers it necessary to include circumstances that are not reflected in the rating/score systems or&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; macroeconomic scenarios used. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, instruments under one of the following circumstances are considered Stage 2:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;More than 30 days past due. According to IFRS 9, default of more than 30 days is a presumption that can &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;be rebutted in those cases in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; which the entity considers, based on reasonable and documented information, that such non-payment does not represent a significant increase in risk. As of December 31, 2018, the Group has not considered periods higher than 30 days for any of the significa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;nt portfolios.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Watch list: They are subject to special watch by the Risks units because they show negative signs in their credit quality, even though there may be no objective evidence of impairment.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Refinance or restructuring&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; that does not show evidence o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;f impairment.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Although the standard introduces a series of operational simplifications or practical solutions for analyzing the increase in significant risk, the Group does not use them as a general rule. However, for high-quality assets, mainly related t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;o certain government institutions and bodies, the standard allows for considering that their credit risk has not increased significantly because they have a low credit risk at the presentation date.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Thus the classification of financial instruments subject &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to impairment under the new IFRS 9 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Stage 1&amp;#8211; without significant increase in credit risk&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Financial assets which are not considered to have significantly increased in credit risk have loss allowances measured at an amount equal to 12 months ex&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;pected credit losses. &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Stage 2&amp;#8211; significant increases in credit risk&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the credit risk of a financial asset has increased significantly since the initial recognition, the impairment losses of that financial instrument is calculated as the expected &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;credit loss during the entire life of the asset.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Stage 3 &amp;#8211; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Impaired&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When there is objective evidence that the instrument is credit impaired, the financial asset is transferred to this category &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in which the provision for losses of that financial instrument &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;is calculated as the expected credit loss &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;during the entire life of the asset.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Definition of impaired financial assets under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A financial asset is considered impaired &amp;#8211; and therefore its carrying amount&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; is adjusted to reflect the effect of impairment &amp;#8211; when there is objective evidence that events have occurred, which:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In the case of debt instruments (loans and advances and debt securities), reduce the future cash flows that were estimated at the time the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; instruments were acquired. So they are considered impaired when there are reasonable doubts that the carrying amounts will be recovered in full and/or the related interest will be collected for the amounts and on the dates initially agreed.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In the case of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; equity instruments, it means that their carrying amount may not be fully recovered.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As a general rule, the carrying amount of impaired financial assets is adjusted with a charge to the consolidated income statement for the year in which the impairment bec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;omes known. The recoveries of previously recognized impairment losses are reflected, if appropriate, in the consolidated income statement for the year in which the impairment is reversed or reduced, with an exception: any recovery of previously recognized &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impairment losses for an investment in an equity instrument classified as financial assets at fair value through other comprehensive income is not recognized in the consolidated income statement, but under the heading &amp;quot; Accumulated other comprehensive inco&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;me - Items that may be reclassified to profit or loss - financial assets at fair value through other comprehensive income&amp;quot; in the consolidated balance sheet (see Note 30).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In general, amounts collected on impaired loans and receivables are used to recogniz&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e the related accrued interest and any excess amount is used to reduce the unpaid principal. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the recovery of any recognized amount is considered remote, such amount is written-off on the consolidated balance sheet, without prejudice to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; any actions that may be taken in order to collect the amount until the rights extinguish in full either because it is time-barred debt, the debt is forgiven, or other reasons.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Method for calculating expected credit loss under IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Method for calculatin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#004580;' &gt;g expected loss&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with IFRS 9, the measurement of expected losses must reflect:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A considered and unbiased amount, determined by evaluating a range of possible results.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The time value of money.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Reasonable and supportable information that is available without undue cost or effort and that reflects current conditions and forecasts of future economic conditions. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group measures the expected losses both individually and collectively. The purpose &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the Group&amp;#39;s individual measurement is to estimate expected losses for significant impaired instruments, or instruments classified in Stage 2. In these cases, the amount of credit losses is calculated as the difference between expected discounted cash fl&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ows at the effective interest rate of the transaction and the carrying amount of the instrument. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For the collective measurement of expected losses the instruments are grouped into groups of assets based on their risk characteristics. Exposure within each &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;group is segmented according to the common credit risk characteristics, similar characteristics of the credit risk, indicative of the payment capacity of the borrower in accordance with their contractual conditions. These risk characteristics have to be re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;levant in estimating the future flows of each group. The characteristics of credit risk may consider, among others, the following factors:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Type of instrument.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Rating or scoring tools.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Credit risk scoring or rating.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Type of collateral.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Amount of time at def&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ault for stage 3.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Segment.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Qualitative criteria which can have a significant increase in risk.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Collateral value if it has an impact on the probability of a default event.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The estimated losses are derived from the following parameters:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;PD: estimate of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;probability of default in each period.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;EAD: estimate of the exposure in case of default at each future period, taking into account the changes in exposure after the presentation date of the financial statements. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;LGD: estimate of the loss in case of defaul&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;t, calculated as the difference between the contractual cash flows and receivables, including guarantees. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of debt securities, the Group supervises the changes in credit risk through monitoring the external published credit ratings.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;To determin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e whether there is a significant increase in credit risk that is not reflected in the published ratings, the Group also revises the changes in bond yields, and when they are available, the prices of CDS, together with the news and regulatory information av&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ailable on the issuers.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Use of present, past and future information&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 requires incorporation of present, past and future information to detect any significant increase in risk and measure expected loss.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The standard does not require identification of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; all possible scenarios for measuring expected loss. However, the probability of a loss event occurring and the probability it will not occur have to be considered, even though the possibility of a loss may be very small. Also, when there is no linear rela&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tion between the different future economic scenarios and their associated expected losses, more than one future economic scenario must be used for the measurement. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The approach used by the Group consists of using first the most probable scenario (baseline&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; scenario) consistent with that used in the Group&amp;#39;s internal management processes, and then applying an additional adjustment, calculated by considering the weighted average of expected losses in other economic scenarios (one more positive and the other mo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;re negative). The main macroeconomic variables that are valued in each of the scenarios for each of the geographies in which the Group operates are Gross Domestic Product (GDP), tax rates, unemployment rate and loan to value (LTV).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Method for calculating t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#094FA4;' &gt;he impairment on financial assets under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The impairment on financial assets is determined by type of instrument and other circumstances that could affect it, taking into account the guarantees received &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to assure (in part or in full) the performance of the financial assets. The BBVA Group recognizes impairment charges directly against the impaired financial asset when the likelihood of recovery is deemed remote, and uses an offsetting or allowance account&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; when it recognizes non-performing loan provisions for the estimated losses.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Impairment of debt instruments measured at amortized cost&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With regard to impairment losses arising from insolvency risk of the obligors (credit risk), a debt instrument, mainly Lo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ans and receivables, is impaired due to insolvency when a deterioration in the ability to pay by the obligor is evidenced, either due to past due status or for other reasons.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group has developed policies, methods and procedures to estimate incurre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d losses on outstanding credit risk. These policies, methods and procedures are applied in the due diligence, approval and execution of debt instruments and commitments and guarantees given; as well as in identifying the impairment and, where appropriate, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in calculating the amounts necessary to cover estimated losses.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of impairment losses on debt instruments measured at amortized cost is calculated based on whether the impairment losses are determined individually or collectively. First it is det&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ermined whether there is objective evidence of impairment individually for individually significant debt instrument, and collectively for debt instrument that are not individually significant. If the Group determines that there is no objective evidence of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impairment, the assets are classified in groups of debt instrument based on similar risk characteristics and impairment is assessed collectively.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In determining whether there is objective evidence of impairment the Group uses observable data in the followi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng aspects:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Significant financial difficulties of the obligors.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Ongoing delays in the payment of interest or principal.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Refinancing of credit due to financial difficulties by the counterparty.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Bankruptcy or reorganization / liquidation are considered &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;likely.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Disappearance of the active market for a financial asset because of financial difficulties.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Observable data indicating a reduction in future cash flows from the initial recognition such as adverse changes in the payment status of the counterparty (&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;delays in payments, reaching credit cards limits, etc.).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;National or local economic conditions that are linked to &amp;quot;defaults&amp;quot; in the financial assets (unemployment rate, falling property prices, etc.).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt; losses on financial assets individually evaluated for impairment&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of the impairment losses incurred on financial assets represents the excess of their respective carrying amounts over the present values of their expected future cash flows. These&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; cash flows are discounted using the original effective interest rate. If a financial asset has a variable interest rate, the discount rate for measuring any impairment loss is the current effective rate determined under the contract.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As an exception to th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e rule described above, the market value of listed debt instruments is deemed to be a fair estimate of the present value of their expected future cash flows.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following is to be taken into consideration when estimating the future cash flows of debt inst&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ruments:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;All amounts that are expected to be recovered over the remaining life of the debt instrument; including, where appropriate, those which may result from the collateral and other credit enhancements provided for the debt instrument (after deducting &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the costs required for foreclosure and subsequent sale). Impairment losses include an estimate for the possibility of collecting accrued, past-due and uncollected interest.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The various types of risk to which each debt instrument is subject.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The circumstanc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;es in which collections will foreseeably be made.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment losses on financial assets collectively evaluated for impairment&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With regard to the collective impairment analysis, financial assets are grouped by risk type considering the debtor&amp;#39;s capacity to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;pay based on the contractual terms. As part of this analysis, the BBVA Group estimates the impairment loan losses that are not individually significant, distinguishing between those that show objective evidence of impairment, and those that do not show obj&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ective evidence of impairment, as well as the impairment of significant loans that the BBVA Group has deemed as not showing an objective evidence of impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With respect to financial assets that have no objective evidence of impairment, the Group appli&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es statistical methods using historical experience and other specific information to estimate the losses that the Group has incurred as a result of events that have occurred as of the date of preparation of the Consolidated Financial Statements but have no&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t been known and will be apparent, individually after the date of submission of the information. This calculation is an intermediate step until these losses are identified on an individual level, at which time these financial instruments will be segregated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; from the portfolio of financial assets without objective evidence of impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The incurred loss is calculated taking into account three key factors: exposure at default, probability of default and loss given default.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Exposure at default (EAD) is the am&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ount of risk exposure at the date of default by the counterparty.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Probability of default (PD) is the probability of the counterparty failing to meet its principal and/or interest payment obligations. The PD is associated with the rating/scoring of each cou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;nterparty/transaction. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Loss given default (LGD) is the estimate of the loss arising in the event of default. It depends mainly on the characteristics of the counterparty, and the valuation of the guarantees or collateral associated with the asset.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In orde&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;r to calculate the LGD at each balance sheet date, the Group evaluates the whole amount expected to be obtained over the remaining life of the financial asset. The recoverable amount from executable secured &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;collateral is estimated based on the property val&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;uation, discounting the necessary adjustments to adequately account for the potential fall in value until its execution and sale, as well as execution costs, maintenance costs and sale costs.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, to identify the possible incurred but not reported &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;losses (IBNR) in the unimpaired portfolio, an additional parameter called &amp;quot;LIP&amp;quot; (loss identification period) has to be introduced. The LIP parameter is the period between the time at which the event that generates a given loss occurs and the time when the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;loss is identified at an individual level. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the property right is contractually acquired at the end of the foreclosure process or when the assets of distressed borrowers are purchased, the asset is recognized in the consolidated balance sheets (see No&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;te 2.2.4).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment of other debt instruments classified as financial assets available for sale&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The impairment losses on other debt instruments included in the &amp;#8220;Available-for-sale financial asset&amp;#8221; portfolio are equal to the excess of their acquisition co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;st (net of any principal repayment), after deducting any impairment loss previously recognized in the consolidated income statement over their fair value.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When there is objective evidence that the negative differences arising on measurement of these debt i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nstruments are due to impairment, they are no longer considered as &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - financial assets at fair value through other comprehensive income&amp;#8221; and are recognized in the con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;solidated income statement. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If all, or part of the impairment losses are subsequently recovered, the amount is recognized in the consolidated income statement for the year in which the recovery occurred, up to the amount previously recognized in the incom&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e statement.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment of equity instruments&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of the impairment in the equity instruments is determined by the category where they are recognized:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;color:#000000;' &gt;Equity instruments classified at available for sale at fair value:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;When there is objective &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;evidence that the negative differences arising on measurement of these equity instruments are due to impairment, they are no longer recorded as &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Financial assets av&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ailable for sale&amp;#8221; and are recognized in the consolidated income statement. In general, the Group considers that there is objective evidence of impairment on equity instruments classified as available-for-sale when significant unrealized losses have existed&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; over a sustained period of time due to a price reduction of at least 40% or over a period of more than 18 months. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;When applying this evidence of impairment, the Group takes into account the volatility in the price of each individual equity instrument to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;determine whether it is a percentage that can be recovered through its sale in the market; other different thresholds may exist for certain equity instruments or specific sectors. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;In addition, for individually significant investments, the Group compares t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he valuation of the most significant equity instruments against valuations performed by independent experts.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Any recovery of previously recognized impairment losses for an investment in an equity instrument classified at fair value through other comprehens&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ive income is not recognized in the consolidated income statement, but under the heading &amp;quot; Accumulated other comprehensive income - Items that may be reclassified to profit or loss - financial assets available for sale&amp;quot; in the consolidated balance sheet (s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ee Note 30).&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;color:#000000;' &gt;Equity instruments measured at cost:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The impairment losses on equity instruments measured at acquisition cost are equal to the excess of their carrying amount over the present value of expected future cash flows discounted at the market rate o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;f return for similar equity instruments. In order to determine these impairment losses, unless there is better evidence, an assessment of the equity of the investee is carried out (excluding Accumulated other comprehensive &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;income due to cash flow hedges) b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ased on the last approved (consolidated) balance sheet, adjusted by the unrealized gains at measurement date.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Impairment losses are recognized in the consolidated income statement in the year in which they arise as a direct reduction of the cost of the ins&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;trument. These impairment losses may only be recovered subsequently in the event of the sale of these assets.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory>
  <ifrs-full:InformationOnHowEntityAppliedClassificationRequirementsInIFRS9ToFinancialAssetsWhoseClassificationHasChangedAsResultOfApplyingIFRS9 id="ID_7392" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">Classification and measurement of financial assets under IFRS 9
Classification of financial assets
IFRS 9 contains three main categories for financial assets classification: measured at amortized cost, measured at fair value with changes through other comprehensive income, and measured at fair value through profit or loss.
The classification of financial assets measured at amortized cost or fair value must be carried out on the basis of two tests: the entity's business model and the assessment of the contractual cash flow, commonly known as the "solely payments of principle and interest" criterion (hereinafter, the SPPI).
A debt instrument will be classified in the amortized cost portfolio if the two following conditions are fulfilled:
The financial asset is managed within a business model whose purpose is to maintain the financial assets to receive contractual cash flows; and
In accordance with the contractual characteristics of the instrument its cash flows only represent the return of the principal and interest, basically understood as consideration for the time value of money and the debtor's credit risk.
A debt instrument will be classified in the portfolio of financial assets at fair value with changes through other comprehensive income if the two following conditions are fulfilled:
The financial asset is managed with a business model whose purpose combines collection of the contractual cash flows and sale of the assets, and
The contractual characteristics of the instrument generate, at specific dates, cash flows which only represent the return of the principal and interest.
A debt instrument will be classified at fair value with changes in profit and loss provided that the entity's business model for their management or the contractual characteristics of its cash flows do not require classification into one of the portfolios described above.
In general, equity instruments will be measured at fair value through profit or loss. However the Group may make an irrevocable election at initial recognition to present subsequent changes in the fair value through other comprehensive income.
Financial assets will only be reclassified when BBVA Group decides to change the business model. In this case, all of the financial assets assigned to this business model will be reclassified. The change of the objective of the business model should occur before the date of the reclassification.
Valuation of financial assets
All financial instruments are initially recognized at fair value plus, in the case of a financial asset not at fair value through profit or loss, transaction costs that are directly attributable to the acquisition or issue of the instrument.
Excluding all trading derivatives not considered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings &#8220;Interest and other income&#8221; or &#8220;Interest expense&#8221;, as appropriate, in the accompanying consolidated income statement in the period in which the change occurred (see Note 37). The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as described below, according to the categories of financial assets.

&#8220;Financial assets held for trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through profit and loss&#8221; and &#8220;Financial assets designated at fair value through profit or loss&#8221;
Financial assets are recorded under the heading &#8220;Financial assets held for trading&#8221; if the objective of the business model is to generate gains by buying and selling these financial instruments or generate short-term results. The financial assets recorded in the heading &#8220;Non-trading financial assets mandatorily at fair value through profit and loss&#8221; are assigned to a business model which objective is to obtain the contractual cash flows and / or to sell those instruments but its contractual cash flows do not comply with the requirements of the SPPI test. In &#8220;Financial assets designated at fair value through profit or loss&#8221; the Group classifies financial assets only if it eliminates or significantly reduces a measurement or recognition inconsistency (an &#8216;accounting mismatch&#8217;) that would otherwise arise from measuring financial assets or financial liabilities, or recognizing gains or losses on them, on different bases.
The assets recognized under these headings of the consolidated balance sheets are measured upon acquisition at fair value and changes in the fair value (gains or losses) are recognized as their net value under the heading &#8220;Gains (losses) on financial assets and liabilities, net&#8221; in the accompanying consolidated income statements (see Note 41). Interests from derivatives designated as economic hedges on interest rate are recognized in &#8220;Interest and other income&#8221; or &#8220;Interest expense&#8221; (see Note 37), depending on the result of the hedging instrument. However, changes in fair value resulting from variations in foreign exchange rates are recognized under the heading &#8220;Gains (losses) on financial assets and liabilities, net&#8221; in the accompanying consolidated income statements (Note 41).
&#8221;Financial assets at fair value through other comprehensive income&#8221;
Debt instruments
Assets recognized under this heading in the consolidated balance sheets are measured at their fair value. Subsequent changes in fair value (gains or losses) are recognized temporarily net of tax effect, under the heading &#8220;Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Fair value changes of debt instruments measured at fair value through other comprehensive income&#8221; in the consolidated balance sheets (see Note 30).
The amounts recognized under the headings &#8220;Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Fair value changes of financial assets measured at fair value through other comprehensive income&#8221; and &#8220;Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Exchange differences&#8221; continue to form part of the Group's consolidated equity until the corresponding asset is derecognized from the consolidated balance sheet or until an impairment loss is recognized on the corresponding financial instrument. If these assets are sold, these amounts are derecognized and included under the headings &#8220;Gains (losses) on financial assets and liabilities, net&#8221; or &#8220;Exchange differences, net", as appropriate, in the consolidated income statement for the year in which they are derecognized (see Note 41).
The net impairment losses in &#8220;Financial assets at fair value through other comprehensive income&#8221; over the year are recognized under the heading &#8220;Impairment losses on financial assets, net &#8211; Financial assets at fair value through other comprehensive income&#8221; (see Note 47) in the consolidated income statements for that period.
Changes in foreign exchange rates which affect monetary items are recognized under the heading &#8220;Exchange differences, net" in the accompanying consolidated income statements (see Note 41).
Equity instruments
The BBVA Group, at the time of the initial recognition, may elect to present changes in the fair value in other comprehensive income of an investment in an equity instrument that is not held for trading. The election is irrevocable and can be made on an instrument-by-instrument basis. Subsequent changes in fair value (gains or losses) are recognized, under the heading &#8220;Accumulated other comprehensive income (loss) &#8211; Items that will not be reclassified to profit or loss &#8211; Fair value changes of equity instruments measured at fair value through other comprehensive income&#8221;.

&#8220;Financial assets at amortized cost&#8221;
A financial asset is classified as subsequently measured at amortized cost if it is held within a business model whose objective is to hold financial assets in order to collect and it meets the SPPI Criterion.
The assets under this category are subsequently measured at amortized cost, using the effective interest rate method.
Net impairment losses of assets recorded under these headings arising in each period are recognized under the heading &#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss &#8211; financial assets measured at cost&#8221; (see Note 47) in the consolidated income statement for that period.
Classification and measurement of financial liabilities under IFRS 9
Classification of financial liabilities
Under IFRS 9, financial liabilities are classified in the following categories:
Financial liabilities at amortized cost;
Financial liabilities that are held for trading including derivatives are financial instruments which are recorded in this category when the Group&#8217;s objective is to generate gains by buying and selling these financial instruments;
Financial liabilities that are designated at fair value through profit or loss on initial recognition under the Fair Value Option. The Group has the option to designate irrevocably on initial recognition a financial liability as at fair value through profit or loss provided that doing so results in the elimination or significant reduction of measurement or recognition inconsistency, or if a group of financial liabilities, or a group of financial assets and financial liabilities, has to be managed, and its performance evaluated, on a fair value basis in accordance with a documented risk management or investment strategy.
Valuation of financial liabilities
All financial instruments are initially recognized at fair value plus, in the case of a financial liability not at fair value through profit or loss, transaction costs that are directly attributable to the acquisition or issue of the financial liability. Unless there is evidence to the contrary, the best evidence of the fair value of a financial instrument at initial recognition shall be the transaction price.
Excluding all trading derivatives not considered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings &#8220;Interest and other income&#8221; or &#8220;Interest expense&#8221;, as appropriate, in the accompanying consolidated income statement in the period in which the change occurred (see Note 37).
The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as described below, according to the categories of financial liabilities.

&#8220;Financial liabilities held for trading&#8221; and &#8220;Financial liabilities designated at fair value through profit or loss&#8220;
The subsequent changes in the fair value (gains or losses) of the liabilities recognized under these headings of the consolidated balance sheets are recognized as their net value under the heading &#8220;Gains (losses) on financial assets and liabilities, net&#8221; in the accompanying consolidated income statements (see Note 41), except for the financial liabilities designated at fair value through profit and loss under the fair value option for which the amount of change in the fair value that is attributable to changes in the own credit risk which is presented in under the heading &#8220;Accumulated other comprehensive income (loss) &#8211; Items that will not be reclassified to profit or loss &#8211; Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk&#8221;. Interests from derivatives designated as economic hedges on interest rate are recognized in &#8220;Interest and other income&#8221; or &#8220;Interest expense&#8221; (Note 37), depending on the result of the hedging instrument. However, changes in fair value resulting from variations in foreign exchange rates are recognized under the heading &#8220;Gains (losses) on financial assets and liabilities, net&#8221; in the accompanying consolidated income statements (Note 41).
&#8220;Financial liabilities at amortized cost&#8221;
The liabilities under this category are subsequently measured at amortized cost, using the effective interest rate method.</ifrs-full:InformationOnHowEntityAppliedClassificationRequirementsInIFRS9ToFinancialAssetsWhoseClassificationHasChangedAsResultOfApplyingIFRS9>
  <bbva:Measurementoffinancialassetsandliabilitiesunderias39applicableinthefinancialyears2017and2016 id="ID_7393" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Measurement of financial assets and liabilities under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Measurement of financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt;instruments and recognition of changes in subsequent fair value&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;All financial instruments are initially accounted for at fair value plus, in the case of a financial asset or financial liability not at fair value through profit or loss, transaction costs th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;at are directly attributable to the acquisition or issue of the financial asset or financial liability. Unless there is evidence to the contrary, the best evidence of the fair value of a financial instrument at initial recognition shall be the transaction &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;price.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Excluding all trading derivatives not considered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings &amp;#8220;Interest and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221;, as appropriate, in the accompanying consolidated income statement the year in which the change occurred (see Note 37). The dividends received from other entities, other than associated entities and joint venture entitie&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;s, are recognized under the heading &amp;#8220;Dividend income&amp;#8221; in the accompanying consolidated income statement in the year in which the right to receive them arises (see Note 38).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The changes in fair value after the initial recognition, for reasons other than &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;those mentioned in the preceding&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;paragraph, are treated as described below, according to the categories of financial assets and liabilities.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Financial assets and liabilities held for trading&amp;#8221; and &amp;#8220;Financial assets and liabilities designated at fair value &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;through profit or loss&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The assets and liabilities recognized under these headings of the consolidated balance sheets are measured upon acquisition at fair value and changes in the fair value (gains or losses) are recognized as their net value under the he&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ading &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; in the accompanying consolidated income statements (see Note 41). Interests from derivatives designated as economic or accounting hedges on interest rate are recognized under the heading &amp;#8220;Inte&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221; (Note 37), depending on the result of the hedging instrument&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#FF0000;' &gt;. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Changes in fair value resulting from variations in foreign exchange rates are recognized under the heading &amp;#8220;Gains (losses) on financial assets and li&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;abilities, net&amp;#8221; in the accompanying consolidated income statements (Note 41).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Financial assets at fair value through other comprehensive income&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assets recognized under this heading in the consolidated balance sheets are measured at their fair value. Sub&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sequent changes in fair value (gains or losses) are recognized temporarily net of tax effect, under the heading &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Financial assets at fair value through other compre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;hensive income&amp;#8221; in the consolidated balance sheets (see Note 30).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amounts recognized under the headings &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Financial assets at fair value through other comprehens&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ive income&amp;#8221; and &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Exchange differences&amp;#8221; continue to form part of the Group&amp;#39;s consolidated equity until the corresponding asset is derecognized from the consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;balance sheet or until an impairment loss is recognized on the corresponding financial instrument. If these assets are sold, these amounts are derecognized and included under the headings &amp;#8220;Gains (losses) on financial assets and liabilities, net&amp;#8221; or &amp;#8220;Exchan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ge differences, net&amp;quot;, as appropriate, in the consolidated income statement for the year in which they are derecognized (see Note 41).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The net impairment losses in &amp;#8220;Financial assets at fair value through other comprehensive income&amp;#8221; over the year are recogni&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;zed under the heading &amp;#8220;Impairment losses on financial assets, net &amp;#8211; Other financial instruments not at fair value through profit or loss&amp;#8221; (see Note 47) in the consolidated income statements for that year.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Changes in the value of non-monetary items resultin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;g from changes in foreign exchange rates are recognized temporarily under the heading &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Exchange differences&amp;#8221; in the accompanying consolidated balance sheets. Change&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s in foreign exchange rates which affect monetary items are recognized under the heading &amp;#8220;Exchange differences, net&amp;quot; in the accompanying consolidated income statements (see Note 41).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Financial assets and liabilities at amortized cost&amp;#8221;&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assets and liabiliti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es recognized under these headings in the accompanying consolidated balance sheets are subsequently measured at &amp;#8220;amortized cost&amp;#8221; using the &amp;#8220;effective interest rate&amp;#8221; method. This is because the consolidated entities generally intend to hold such financial i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nstruments to maturity.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Net impairment losses of assets recognized under these headings arising in each year are recognized under the heading &amp;#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss &amp;#8211; fina&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ncial assets measured at cost&amp;#8221; (see Note 47) in the consolidated income statement for that year.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Measurementoffinancialassetsandliabilitiesunderias39applicableinthefinancialyears2017and2016>
  <bbva:Derivativeshedgeaccountingandfairvaluechangesofthehedgeditemsinportfoliohedgesofinterestrateriskapplicableinthefinancialyears20182017and2016 id="ID_7394" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;&amp;#8220;Derivatives-Hedge Accounting&amp;#8221; and &amp;#8220;Fair value changes of the hedged items in portfolio hedges of interest-rate risk&amp;#8221; applicable in the financial years 2018, 2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#094FA4;' &gt;017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Assets and liabilities recognized under these headings in the accompanying consolidated balance sheets are measured at fair&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#7F7F7F;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;value.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Changes occurring subsequent to the designation of the hedging relationship in the measurement of financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;instruments designated as hedged items as well as financial instruments designated as hedge accounting instruments are recognized as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In fair value hedges, the changes in the fair value of the derivative and the hedged item attributable to the hedg&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ed risk are recognized under the heading &amp;#8220;Gains or losses from hedge accounting, net&amp;#8221; in the consolidated income statement, with a corresponding offset under the headings where hedging items (&amp;quot;Hedging derivatives&amp;quot;) and the hedged items are recognized, as a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;pplicable. Almost all of the hedges used by the Group are for interest-rate risks. Therefore, the valuation changes are recognized under the headings &amp;#8220;Interest and other income&amp;#8221; or &amp;#8220;Interest expense&amp;#8221;, as appropriate, in the accompanying consolidated income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; statement (see Note 37).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In fair value hedges of interest rate risk of a portfolio of financial instruments (portfolio-hedges), the gains or losses that arise in the measurement of the hedging instrument are recognized in the consolidated income &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;statement, and the gains or losses that arise from the change in the fair value of the hedged item (attributable to the hedged risk) are also recognized in the consolidated income statement (in both cases under the heading &amp;#8220;Gains or losses from hedge accou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;nting, net&amp;#8221;, using, as a balancing item, the headings &amp;quot;Fair value changes of the hedged items in portfolio hedges of interest rate risk&amp;quot; in the consolidated balance sheets, as applicable).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In cash flow hedges, the gain or loss on the hedging instruments re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;lating to the effective portion are recognized temporarily under the heading   &amp;#8221;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Hedging derivatives. Cash flow hedges&amp;#8221; in the consolidated balance sheets, with a ba&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;lancing entry under the heading &amp;#8220;Hedging derivatives&amp;#8221; of the Assets or Liabilities of the consolidated balance sheets as applicable. These differences are recognized in the accompanying consolidated income statement under the headings &amp;#8220;Interest and other i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ncome&amp;#8221; or &amp;#8220;Interest expense&amp;#8221; at the time when the gain or loss in the hedged instrument affects profit or loss, when the forecast transaction is executed or at the maturity date of the hedged item (see Note 37). &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:left;margin-top:0pt;margin-bottom:8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Differences in the measurement of the hedgi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ng items corresponding to the ineffective portions of cash flow hedges are recognized directly in the heading &amp;#8220;Gains or losses from hedge accounting, net&amp;#8221; in the consolidated income statem&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ent (see Note 41).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In the hedges of net investments in foreign opera&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;tions, the differences attributable to the effective portions of hedging items are recognized temporarily under the heading &amp;quot;Accumulated other comprehensive income - Items that may be reclassified to profit or loss &amp;#8211; Hedging of net investments in foreign t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ransactions&amp;quot; in the consolidated balance sheets with a balancing entry under the heading &amp;#8220;Hedging derivatives&amp;#8221; of the Assets or Liabilities of the consolidated balance sheets as applicable. These differences in valuation are recognized under the heading &amp;#8220;E&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;xchange differences, net&amp;quot; in the consolidated income statement when the investment in a foreign operation is disposed of or derecognized (see Note 41).&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Other financial instruments under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;exceptions are applicable with respect to the above general criteria:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Equity instruments whose fair value cannot be determined in a sufficiently objective manner and financial derivatives that have those instruments as their underlying asset and are settle&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;d by delivery of those instruments are recorded in the consolidated balance sheet at acquisition cost; this may be adjusted, where appropriate, for any impairment loss (see Note 8).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Accumulated other comprehensive income arising from financial instruments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;classified at the consolidated balance sheet date as &amp;#8220;Non-current assets and disposal groups classified as held for sale&amp;#8221; are recognized with the corresponding entry under the heading &amp;#8220;Accumulated other comprehensive income- Items that may be reclassified &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;to profit or loss &amp;#8211; Non-current assets and disposal groups classified as held for sale&amp;#8221; in the accompanying consolidated balance sheets (see note 30).&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</bbva:Derivativeshedgeaccountingandfairvaluechangesofthehedgeditemsinportfoliohedgesofinterestrateriskapplicableinthefinancialyears20182017and2016>
  <ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory id="ID_7395" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Impairment losses on financial assets&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Definition of impaired financial assets under IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;replaced the &amp;quot;incurred loss&amp;quot; model in IAS 39 with one of &amp;quot;expected credit loss&amp;quot;. The IFRS 9 impairment model is applied to financial assets valued at amortized cost and to financial assets valued at fair value with changes in accumulated other comprehensiv&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e income, except for investments in equity instruments and contracts for financial guarantees and loan commitments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;unilaterally revocable by BBVA. Likewise, all the financial instruments valued at fair value with change through profit and loss are excluded&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; from the impairment model&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The new standard classifies financial instruments into three categories, which depend on the evolution of their credit risk from the moment of initial recognition. The first category includes the transactions when they are initi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ally recognized (Stage 1); the second comprises the financial assets for which a significant increase in credit risk has been identified since its initial recognition (Stage 2) and the third one, the impaired financial assets (Stage 3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The calculation of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the provisions for credit risk in each of these three categories must be done differently. In this way, expected loss up to 12 months for the financial assets classified in the first of the aforementioned categories must be recorded, while expected losses &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;estimated for the remaining life of the financial assets classified in the other two categories must be recorded. Thus, IFRS 9 differentiates between the following concepts of expected loss: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Expected loss at 12 months: expected credit loss that arises fro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;m possible default events within 12 months following the presentation date of the financial statements; and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Expected loss during the life of the transaction: this is the expected credit loss that arises from all possible default events over the remaining l&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ife of the financial instrument.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All this requires considerable judgment, both in the modeling for the estimation of the expected losses and in the forecasts, on how the economic factors affect such losses, which must be carried out on a weighted probabili&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ty basis. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group has applied the following definitions in accordance with IFRS 9:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Default&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;BBVA has applied a definition of default for financial instruments that is consistent with that used in internal credit risk management, as well as the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;indicators under applicable regulation at the date of implementation of IFRS 9. Both qualitative and quantitative indicators have been considered.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group has considered there is a default when one of the following situations occurs: &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Payment &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;past-due fo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;r more than 90 days; or&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;There are r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;easonable doubts regarding the full reimbursement of the instrument.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with IFRS 9, the 90-day past-due stipulation may be waived in cases where the entity considers it appropriate, based on reasonable and doc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;umented information that it is appropriate to use a longer term. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;As of December 31, 2018, the Group has not considered periods higher than 90 days for any of the significant portfolios. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Credit impaired asset&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;An asset is credit-impaired according to IFRS 9&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset. Evidence that a financial asset is credit-impaired includes observable data about the following events:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Significant &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;financial&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; difficult&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;y of the issuer or the borrower.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A breach &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;of contract (e.g. a default or past due event).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A lender having granted a concession to the borrower &amp;#8211; for economic or contractual reasons relating to the borrower&amp;#8217;s financial difficulty &amp;#8211; that the lender would not&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; otherwise consider.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;It becoming probable that the borrower will enter bankruptcy or other financial reorganization.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The disappearance of an active market for that financial asset because of financial difficulties.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The purchase or origination of a financia&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;l asset at a deep discount that reflects the incurred credit losses.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;It may not be possible to identify a single discrete event. Instead, the combined effect of several events may cause financial assets to become credit-impaired.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The definition of impaired&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; financial assets in the Group is aligned with the definition of default explained in the above paragraphs.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Significant increase in credit risk &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The objective of the impairment requirements is to recognize lifetime expected credit losses for financial inst&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ruments for which there have been significant increases in credit risk since initial recognition considering all reasonable and supportable information, including that which is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;forward-looking.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The model developed by the Group for assessing the significant&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; increase in credit risk has a two-prong approach that is applied globally, although the specific characteristics of each geographic area are respected:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Quantitative criterion: the Group uses a quantitative analysis based on comparing the current expected &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;probability of default over the life of the transaction with the original adjusted expected probability of default, so that both values are comparable in terms of expected default probability for their residual life. The thresholds used for considering a s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ignificant increase in risk take into account special cases according to geographic areas and portfolios. Depending on how old current transactions are at the time implementation of the standard, some simplifications were made to compare the probabilities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;of default between the current and the initial moment, based on the best information available at that moment.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Qualitative criterion: most indicators for detecting significant risk increase are included in the Group&amp;#39;s systems through rating/scoring systems&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; or macroeconomic scenarios, so the quantitative analysis covers the majority of circumstances. The Group will use additional qualitative criteria when&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; it considers it necessary to include circumstances that are not reflected in the rating/score systems or&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; macroeconomic scenarios used. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Additionally, instruments under one of the following circumstances are considered Stage 2:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;More than 30 days past due. According to IFRS 9, default of more than 30 days is a presumption that can &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;be rebutted in those cases in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; which the entity considers, based on reasonable and documented information, that such non-payment does not represent a significant increase in risk. As of December 31, 2018, the Group has not considered periods higher than 30 days for any of the significa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;nt portfolios.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Watch list: They are subject to special watch by the Risks units because they show negative signs in their credit quality, even though there may be no objective evidence of impairment.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Refinance or restructuring&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; that does not show evidence o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;f impairment.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Although the standard introduces a series of operational simplifications or practical solutions for analyzing the increase in significant risk, the Group does not use them as a general rule. However, for high-quality assets, mainly related t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;o certain government institutions and bodies, the standard allows for considering that their credit risk has not increased significantly because they have a low credit risk at the presentation date.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Thus the classification of financial instruments subject &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to impairment under the new IFRS 9 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Stage 1&amp;#8211; without significant increase in credit risk&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Financial assets which are not considered to have significantly increased in credit risk have loss allowances measured at an amount equal to 12 months ex&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;pected credit losses. &lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Stage 2&amp;#8211; significant increases in credit risk&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the credit risk of a financial asset has increased significantly since the initial recognition, the impairment losses of that financial instrument is calculated as the expected &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;credit loss during the entire life of the asset.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Stage 3 &amp;#8211; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#365F91;' &gt;Impaired&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When there is objective evidence that the instrument is credit impaired, the financial asset is transferred to this category &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in which the provision for losses of that financial instrument &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;is calculated as the expected credit loss &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;during the entire life of the asset.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Definition of impaired financial assets under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A financial asset is considered impaired &amp;#8211; and therefore its carrying amount&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; is adjusted to reflect the effect of impairment &amp;#8211; when there is objective evidence that events have occurred, which:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In the case of debt instruments (loans and advances and debt securities), reduce the future cash flows that were estimated at the time the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; instruments were acquired. So they are considered impaired when there are reasonable doubts that the carrying amounts will be recovered in full and/or the related interest will be collected for the amounts and on the dates initially agreed.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;In the case of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; equity instruments, it means that their carrying amount may not be fully recovered.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As a general rule, the carrying amount of impaired financial assets is adjusted with a charge to the consolidated income statement for the year in which the impairment bec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;omes known. The recoveries of previously recognized impairment losses are reflected, if appropriate, in the consolidated income statement for the year in which the impairment is reversed or reduced, with an exception: any recovery of previously recognized &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impairment losses for an investment in an equity instrument classified as financial assets at fair value through other comprehensive income is not recognized in the consolidated income statement, but under the heading &amp;quot; Accumulated other comprehensive inco&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;me - Items that may be reclassified to profit or loss - financial assets at fair value through other comprehensive income&amp;quot; in the consolidated balance sheet (see Note 30).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In general, amounts collected on impaired loans and receivables are used to recogniz&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e the related accrued interest and any excess amount is used to reduce the unpaid principal. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the recovery of any recognized amount is considered remote, such amount is written-off on the consolidated balance sheet, without prejudice to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; any actions that may be taken in order to collect the amount until the rights extinguish in full either because it is time-barred debt, the debt is forgiven, or other reasons.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory>
  <ifrs-full:ExplanationOfCreditRiskManagementPracticesAndHowTheyRelateToRecognitionAndMeasurementOfExpectedCreditLossesExplanatory id="ID_7396" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Method for calculating expected credit loss under IFRS 9&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Method for calculatin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#004580;' &gt;g expected loss&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with IFRS 9, the measurement of expected losses must reflect:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A considered and unbiased amount, determined by evaluating a range of possible results.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The time value of money.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Reasonable and supportable information that is available without undue cost or effort and that reflects current conditions and forecasts of future economic conditions. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group measures the expected losses both individually and collectively. The purpose &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the Group&amp;#39;s individual measurement is to estimate expected losses for significant impaired instruments, or instruments classified in Stage 2. In these cases, the amount of credit losses is calculated as the difference between expected discounted cash fl&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ows at the effective interest rate of the transaction and the carrying amount of the instrument. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For the collective measurement of expected losses the instruments are grouped into groups of assets based on their risk characteristics. Exposure within each &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;group is segmented according to the common credit risk characteristics, similar characteristics of the credit risk, indicative of the payment capacity of the borrower in accordance with their contractual conditions. These risk characteristics have to be re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;levant in estimating the future flows of each group. The characteristics of credit risk may consider, among others, the following factors:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Type of instrument.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Rating or scoring tools.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Credit risk scoring or rating.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Type of collateral.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Amount of time at def&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ault for stage 3.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Segment.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Qualitative criteria which can have a significant increase in risk.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Collateral value if it has an impact on the probability of a default event.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The estimated losses are derived from the following parameters:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;PD: estimate of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;probability of default in each period.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;EAD: estimate of the exposure in case of default at each future period, taking into account the changes in exposure after the presentation date of the financial statements. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;LGD: estimate of the loss in case of defaul&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;t, calculated as the difference between the contractual cash flows and receivables, including guarantees. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of debt securities, the Group supervises the changes in credit risk through monitoring the external published credit ratings.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;To determin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e whether there is a significant increase in credit risk that is not reflected in the published ratings, the Group also revises the changes in bond yields, and when they are available, the prices of CDS, together with the news and regulatory information av&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ailable on the issuers.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#004580;' &gt;Use of present, past and future information&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;IFRS 9 requires incorporation of present, past and future information to detect any significant increase in risk and measure expected loss.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The standard does not require identification of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; all possible scenarios for measuring expected loss. However, the probability of a loss event occurring and the probability it will not occur have to be considered, even though the possibility of a loss may be very small. Also, when there is no linear rela&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tion between the different future economic scenarios and their associated expected losses, more than one future economic scenario must be used for the measurement. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The approach used by the Group consists of using first the most probable scenario (baseline&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; scenario) consistent with that used in the Group&amp;#39;s internal management processes, and then applying an additional adjustment, calculated by considering the weighted average of expected losses in other economic scenarios (one more positive and the other mo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;re negative). The main macroeconomic variables that are valued in each of the scenarios for each of the geographies in which the Group operates are Gross Domestic Product (GDP), tax rates, unemployment rate and loan to value (LTV).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#094FA4;' &gt;Method for calculating t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#094FA4;' &gt;he impairment on financial assets under IAS 39 applicable in the financial years 2017 and 2016&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The impairment on financial assets is determined by type of instrument and other circumstances that could affect it, taking into account the guarantees received &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;to assure (in part or in full) the performance of the financial assets. The BBVA Group recognizes impairment charges directly against the impaired financial asset when the likelihood of recovery is deemed remote, and uses an offsetting or allowance account&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; when it recognizes non-performing loan provisions for the estimated losses.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Impairment of debt instruments measured at amortized cost&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With regard to impairment losses arising from insolvency risk of the obligors (credit risk), a debt instrument, mainly Lo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ans and receivables, is impaired due to insolvency when a deterioration in the ability to pay by the obligor is evidenced, either due to past due status or for other reasons.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group has developed policies, methods and procedures to estimate incurre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d losses on outstanding credit risk. These policies, methods and procedures are applied in the due diligence, approval and execution of debt instruments and commitments and guarantees given; as well as in identifying the impairment and, where appropriate, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in calculating the amounts necessary to cover estimated losses.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of impairment losses on debt instruments measured at amortized cost is calculated based on whether the impairment losses are determined individually or collectively. First it is det&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ermined whether there is objective evidence of impairment individually for individually significant debt instrument, and collectively for debt instrument that are not individually significant. If the Group determines that there is no objective evidence of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impairment, the assets are classified in groups of debt instrument based on similar risk characteristics and impairment is assessed collectively.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In determining whether there is objective evidence of impairment the Group uses observable data in the followi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ng aspects:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Significant financial difficulties of the obligors.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Ongoing delays in the payment of interest or principal.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Refinancing of credit due to financial difficulties by the counterparty.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Bankruptcy or reorganization / liquidation are considered &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;likely.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Disappearance of the active market for a financial asset because of financial difficulties.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Observable data indicating a reduction in future cash flows from the initial recognition such as adverse changes in the payment status of the counterparty (&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;delays in payments, reaching credit cards limits, etc.).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;National or local economic conditions that are linked to &amp;quot;defaults&amp;quot; in the financial assets (unemployment rate, falling property prices, etc.).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#006EC1;' &gt; losses on financial assets individually evaluated for impairment&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of the impairment losses incurred on financial assets represents the excess of their respective carrying amounts over the present values of their expected future cash flows. These&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; cash flows are discounted using the original effective interest rate. If a financial asset has a variable interest rate, the discount rate for measuring any impairment loss is the current effective rate determined under the contract.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As an exception to th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e rule described above, the market value of listed debt instruments is deemed to be a fair estimate of the present value of their expected future cash flows.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The following is to be taken into consideration when estimating the future cash flows of debt inst&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ruments:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;All amounts that are expected to be recovered over the remaining life of the debt instrument; including, where appropriate, those which may result from the collateral and other credit enhancements provided for the debt instrument (after deducting &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the costs required for foreclosure and subsequent sale). Impairment losses include an estimate for the possibility of collecting accrued, past-due and uncollected interest.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The various types of risk to which each debt instrument is subject.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The circumstanc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;es in which collections will foreseeably be made.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment losses on financial assets collectively evaluated for impairment&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With regard to the collective impairment analysis, financial assets are grouped by risk type considering the debtor&amp;#39;s capacity to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;pay based on the contractual terms. As part of this analysis, the BBVA Group estimates the impairment loan losses that are not individually significant, distinguishing between those that show objective evidence of impairment, and those that do not show obj&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ective evidence of impairment, as well as the impairment of significant loans that the BBVA Group has deemed as not showing an objective evidence of impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;With respect to financial assets that have no objective evidence of impairment, the Group appli&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es statistical methods using historical experience and other specific information to estimate the losses that the Group has incurred as a result of events that have occurred as of the date of preparation of the Consolidated Financial Statements but have no&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t been known and will be apparent, individually after the date of submission of the information. This calculation is an intermediate step until these losses are identified on an individual level, at which time these financial instruments will be segregated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; from the portfolio of financial assets without objective evidence of impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The incurred loss is calculated taking into account three key factors: exposure at default, probability of default and loss given default.&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Exposure at default (EAD) is the am&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ount of risk exposure at the date of default by the counterparty.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Probability of default (PD) is the probability of the counterparty failing to meet its principal and/or interest payment obligations. The PD is associated with the rating/scoring of each cou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;nterparty/transaction. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Loss given default (LGD) is the estimate of the loss arising in the event of default. It depends mainly on the characteristics of the counterparty, and the valuation of the guarantees or collateral associated with the asset.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In orde&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;r to calculate the LGD at each balance sheet date, the Group evaluates the whole amount expected to be obtained over the remaining life of the financial asset. The recoverable amount from executable secured &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;collateral is estimated based on the property val&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;uation, discounting the necessary adjustments to adequately account for the potential fall in value until its execution and sale, as well as execution costs, maintenance costs and sale costs.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, to identify the possible incurred but not reported &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;losses (IBNR) in the unimpaired portfolio, an additional parameter called &amp;quot;LIP&amp;quot; (loss identification period) has to be introduced. The LIP parameter is the period between the time at which the event that generates a given loss occurs and the time when the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;loss is identified at an individual level. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the property right is contractually acquired at the end of the foreclosure process or when the assets of distressed borrowers are purchased, the asset is recognized in the consolidated balance sheets (see No&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;te 2.2.4).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment of other debt instruments classified as financial assets available for sale&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The impairment losses on other debt instruments included in the &amp;#8220;Available-for-sale financial asset&amp;#8221; portfolio are equal to the excess of their acquisition co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;st (net of any principal repayment), after deducting any impairment loss previously recognized in the consolidated income statement over their fair value.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When there is objective evidence that the negative differences arising on measurement of these debt i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nstruments are due to impairment, they are no longer considered as &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - financial assets at fair value through other comprehensive income&amp;#8221; and are recognized in the con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;solidated income statement. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If all, or part of the impairment losses are subsequently recovered, the amount is recognized in the consolidated income statement for the year in which the recovery occurred, up to the amount previously recognized in the incom&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e statement.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Impairment of equity instruments&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of the impairment in the equity instruments is determined by the category where they are recognized:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;color:#000000;' &gt;Equity instruments classified at available for sale at fair value:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;When there is objective &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;evidence that the negative differences arising on measurement of these equity instruments are due to impairment, they are no longer recorded as &amp;#8220;Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Financial assets av&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ailable for sale&amp;#8221; and are recognized in the consolidated income statement. In general, the Group considers that there is objective evidence of impairment on equity instruments classified as available-for-sale when significant unrealized losses have existed&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; over a sustained period of time due to a price reduction of at least 40% or over a period of more than 18 months. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;When applying this evidence of impairment, the Group takes into account the volatility in the price of each individual equity instrument to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;determine whether it is a percentage that can be recovered through its sale in the market; other different thresholds may exist for certain equity instruments or specific sectors. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;In addition, for individually significant investments, the Group compares t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;he valuation of the most significant equity instruments against valuations performed by independent experts.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Any recovery of previously recognized impairment losses for an investment in an equity instrument classified at fair value through other comprehens&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ive income is not recognized in the consolidated income statement, but under the heading &amp;quot; Accumulated other comprehensive income - Items that may be reclassified to profit or loss - financial assets available for sale&amp;quot; in the consolidated balance sheet (s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ee Note 30).&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-style:italic;color:#000000;' &gt;Equity instruments measured at cost:&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;The impairment losses on equity instruments measured at acquisition cost are equal to the excess of their carrying amount over the present value of expected future cash flows discounted at the market rate o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;f return for similar equity instruments. In order to determine these impairment losses, unless there is better evidence, an assessment of the equity of the investee is carried out (excluding Accumulated other comprehensive &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;income due to cash flow hedges) b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ased on the last approved (consolidated) balance sheet, adjusted by the unrealized gains at measurement date.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#000000;' &gt;Impairment losses are recognized in the consolidated income statement in the year in which they arise as a direct reduction of the cost of the ins&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;trument. These impairment losses may only be recovered subsequently in the event of the sale of these assets.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:ExplanationOfCreditRiskManagementPracticesAndHowTheyRelateToRecognitionAndMeasurementOfExpectedCreditLossesExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory id="ID_7397" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Transfers and derecognition of financial assets and liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The accounting treatment of transfers of financial assets is determined b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;y the form in which risks and benefits associated with the financial assets involved are transferred to third parties. Thus the financial assets are only derecognized from the consolidated balance sheet when the cash flows that they generate are extinguish&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed, when their implicit risks and benefits have been substantially transferred to third parties or when the control of financial asset is transferred even in case of no physical transfer or substantial retention of such assets. In the latter case, the fina&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ncial asset transferred is derecognized from the consolidated balance sheet, and any right or obligation retained or created as a result of the transfer is simultaneously recognized.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Similarly, financial liabilities are derecognized from the consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;balance sheet only if their obligations are extinguished or acquired (with a view to subsequent cancellation or renewed placement).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group is considered to have transferred substantially all the risks and benefits if such risks and benefits account for &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the majority of the risks and benefits involved in ownership of the transferred financial assets. If substantially all the risks and benefits associated with the transferred financial asset are retained:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The transferred financial asset is not derecognized &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;from the consolidated balance sheet and continues to be measured using the same criteria as those used before the transfer.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;A financial liability is recognized at the amount equal to the amount received, which is subsequently measured at amortized cost or &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;fair value with changes in the income statement, whichever the case.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Both the income generated on the transferred (but not derecognized) financial asset and the expenses of the new financial liability continue to be recognized.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory id="ID_7398" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Financial guarantees&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Financial guarantees are considered to be those contracts that require their issuer to make specific payments to reimburse the holder of the financial guarantee for a loss incurred when a specific borrower breaches its payment obligations on the terms &amp;#8211; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;whether original or subsequently modified &amp;#8211; of a debt instrument, irrespective of the legal form it may take. Financial guarantees may take the form of a deposit, bank guarantee, insurance contract or credit derivative, among others.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In their initial recog&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nition, financial guarantees are recognized as liabilities in the consolidated balance sheet at fair value, which is generally the present value of the fees, commissions and interest receivable from these contracts over the term thereof, and the Group simu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ltaneously recognize a corresponding asset in the consolidated balance sheet for the amount of the fees and commissions received at the inception of the transactions and the amounts receivable at the present value of the fees, commissions and interest outs&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tanding.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Financial guarantees, irrespective of the guarantor, instrumentation or other circumstances, are reviewed periodically so as to determine the credit risk to which they are exposed and, if appropriate, to consider whether a provision is required f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;or them. The credit risk is determined by application of criteria similar to those established for quantifying impairment losses on debt instruments measured at amortized cost (see Note 2.2.1).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The provisions recognized for financial guarantees considered &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;impaired are recognized under the heading &amp;#8220;Provisions - Provisions for contingent risks and commitments&amp;#8221; on the liability side in the consolidated balance sheets (see Note 24). These provisions are recognized and reversed with a charge or credit, respectiv&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ely; to &amp;#8220;Provisions or reversal of provision&amp;#8221; in the consolidated income statements (see Note 46).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Income from financial guarantees is recorded under the heading &amp;#8220;Fee and commission income&amp;#8221; in the consolidated income statement and is calculated by applying&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the rate established in the related contract to the nominal amount of the guarantee (see Note 40).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory id="ID_7399" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Non-current assets and disposal groups held for sale and liabilities included in disposal groups classified as held for sale &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;and Liabilities include&lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;d in disposal groups classified as held for sale&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The headings &amp;#8220;Non-current assets and disposal groups held for sale&amp;#8221; and &amp;#8220;Liabilities included in disposal groups classified as held for sale&amp;#8221; in the consolidated balance sheets includes the carrying amount o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f assets that are not part of the BBVA Group&amp;#8217;s operating activities. The recovery of this carrying amount is expected to take place through the price obtained on its disposal (see Note 21).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These headings include individual items and groups of items (&amp;#8220;disp&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;osal groups&amp;#8221;) and disposal groups that form part of a major operating segment and are being held for sale as part of a disposal plan (&amp;#8220;discontinued operations&amp;#8221;). The heading &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8220;Non-current assets and disposal groups held for sale&amp;#8221;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; include the assets received&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; by the subsidiaries from their debtors, in full or partial settlement of the debtors&amp;#8217; payment obligations (assets foreclosed or received in payment of debt and recovery of lease finance transactions), unless the Group has decided to make continued use of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;these assets. The BBVA Group has units that specialize in real estate management and the sale of this type of asset.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Symmetrically, the heading &amp;#8220;Liabilities included in disposal groups classified as held for sale&amp;#8221; in the consolidated balance sheets reflect&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s the balances payable arising from disposal grou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ps and discontinued operations.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Non-current assets and disposal groups classified as held for sale are generally measured, at the acquisition date and at any later date deemed necessary, at either their carr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ying amount or the fair value of the property (less costs to sell), whichever is lower.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of real estate assets foreclosed or received in payment of debts, they are initially recognized at the lower of: the restated carrying amount of the financi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;al asset and the fair value at the time of the foreclosure or receipt of the asset less estimated sales costs. The carrying amount of the financial asset is updated at the time of the foreclosure, treating the real property received as a secured collateral&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and taking into account the credit risk coverage that would correspond to it according to its classification prior to the delivery. For these purposes, the collateral will be valued at its current fair value (less sale costs) at the time of foreclosure. T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;his carrying amount will be compared with the previous carrying amount and the difference will be recognized as a provision increase, if applicable. On the other hand, the fair value of the foreclosed asset is obtained by appraisal, evaluating the need to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;apply a discount on the asset derived from the specific conditions of the asset or the market situation for these assets, and in any case, deducting the company&amp;#8217;s estimated sale costs.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;At the time of the initial recognition, these real estate assets &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;foreclosed or received in payment of debts, classified as &amp;#8220;Non-current assets and disposal groups held for sale&amp;#8221; and &amp;#8220;Liabilities included in disposal groups classified as held for sale&amp;#8221; are valued at the lower of: their restated fair value less estimated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sale costs and their carrying amount; a deterioration or impairment reversal can be recognized for the difference if applicable.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Non-current assets and disposal groups held for sale groups classified as held for sale are not depreciated while included unde&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;r the heading &amp;#8220;Non-current assets and disposal groups held for sale&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Fair value of non-current assets held for sale from foreclosures or recoveries is based, mainly, in appraisals or valuations made by independent experts&amp;#160;on an annual basis or more freque&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ntly, should there be indicators of impairment. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Gains and losses generated on the disposal of assets and liabilities classified as non-current held for sale, and liabilities included in disposal groups classified as held for sale as well as impairment los&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ses and, where pertinent, the related recoveries, are recognized in &amp;#8220;Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&amp;#8221; in the consolidated income statement (see Note 50). The r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;emaining income and expense items associated with these assets and liabilities are classified within the relevant consolidated income statement headings.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Income and expenses for discontinued &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;operations, whatever their nature, generated during the year, even if they have occurred before their classification as discontinued operations, are presented net of the tax effect as a single amount under the heading &amp;#8220;Profit from discontinued operations&amp;#8221; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in the consolidated income statement, whether the business remains on the consolidated balance sheet or is derecognized from the consolidated balance sheet. As long as an asset remains in this category, it will not be amortized. This heading includes the e&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;arnings from their sale or other disposal.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory id="ID_7400" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Property, plant and equipment for own use&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;This heading includes the assets under ownership or acquired under finance lease, intended for future or current use by the BBVA Group and that it &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;expects to hold for more than one year. It also includes tangible assets received by the consolidated entities in full or partial settlement of financial assets representing receivables from third parties and those assets expected to be held for continuing&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; use.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Property, plant and equipment for own use are presented in the consolidated balance sheets at acquisition cost, less any accumulated depreciation and, where appropriate, any estimated impairment losses resulting from comparing this net carrying amoun&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;t of each item with its corresponding recoverable amount (see Note 17).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Depreciation is calculated using the straight-line method, on the basis of the acquisition cost of the assets less their residual value; the land is considered to have an indefinite li&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;fe and is therefore not depreciated&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The tangible asset depreciation charges are recognized in the accompanying consolidated income statements under the heading &amp;quot;Depreciation and Amortization&amp;quot; (see Note 45) and are based on the application of the following&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; depreciation rates (determined on the basis of the average years of estimated usef&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ul life of the various assets):&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Depreciation Rates for Tangible Assets&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#000000;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:432,75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Type of Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Annual Percentage&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Buildings for own use&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1% - 4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Furniture&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8% - 10%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fixtures&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6% - 12%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Office supplies and hardware&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8% - 25%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;At each reporting date, the Group entities analyze whether there are internal or external indicators that a tangible&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; asset may be impaired. When there is evidence of impairment, the Group analyzes whether this impairment actually exists by comparing the asset&amp;#8217;s net carrying amount with its recoverable amount (as the higher between its recoverable amount less disposal co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sts and its value in use). When the carrying amount &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;exceeds the recoverable amount, the carrying amount is written down to the recoverable amount and depreciation charges going forward are adjusted to reflect the asset&amp;#8217;s remaining useful life.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Similarly, i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;f there is any indication that the value of a tangible asset is now recoverable, the consolidated entities will estimate the recoverable amounts of the asset and recognize it in the consolidated income statement, recording the reversal of the impairment lo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ss recognized in previous years and thus adjusting future depreciation charges. Under no circumstances may the reversal of an impairment loss on an asset raise its carrying amount above that which it would have if no impairment losses had been recognized i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n prior years.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the BBVA Group, most of the buildings held for own use are assigned to the different Cash-Generating-Units (CGU) to which they belong. The corresponding impairment analysis are performed for these CGUs to check whether sufficient cash flo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ws are generated to support the value of the assets comprised within.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Running and maintenance expenses relating to tangible assets held for own use are recognized as an expense in the year they are incurred and recognized in the consolidated income stateme&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nts under the heading &amp;quot;Administration costs - Other administrative expenses - Property, fixtures and equipment&amp;quot; (see Note 44.2).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Other assets leased out under an operating lease&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The criteria used to recognize the acquisition cost of assets leased out under operating leases, to calculate their depreciation and their respective estimated useful lives and to recognize the impairment losses on them, are the same as those described in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;relation to tangible assets for own use.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Investment properties&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Tangible assets - Investment properties&amp;#8221; in the consolidated balance sheets reflects the net values (purchase cost minus the corresponding accumulated depreciation and, if appropri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ate, estimated impairment losses) of the land, buildings and other structures that are held either to earn rentals or for capital appreciation through sale and that are neither expected to be sold off in the ordinary course of business nor are destined for&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; own use (see Note 17).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The criteria used to recognize the acquisition cost of investment properties, calculate their depreciation and their respective estimated useful lives and recognize the impairment losses on them, are the same as those described in r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;elation to tangible assets held for own use.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group determines periodically the fair value of its investment properties in such a way that, at the end of the financial year, the fair value reflects the market conditions of investment property asset&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s&amp;#8217; market at this date. This fair value will be determined taking as references the valuations performed by independent experts.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory>
  <bbva:Descripitionofdescriptionofaccountingpolicyforinventoriesexplanatory id="ID_7401" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Inventories&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The balance under the heading &amp;#8220;Other assets - Inventories&amp;#8221; in the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; consolidated balance sheets mainly includes the land and other properties that the BBVA Group&amp;#8217;s real estate entities hold for development and sale as part of their real estate development activities (see Note 20).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The cost of inventories includes those co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sts incurred in their acquisition and development, as well as other direct and indirect costs incurred in getting them to their current condition and location.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of the cost of real estate assets accounted for as inventories, the cost is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;comprised of: the acquisition cost of the land, the cost of urban planning and construction, non-recoverable taxes and costs corresponding to construction supervision, coordination and management. Financing cost incurred during the year form part of cost, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;provided that the inventories require more than a year to be in a condition to be sold.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Properties purchased from customers in distress, which the Group manages for sale, are measured at the acquisition date and any subsequent time, at either their related&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; carrying amount or the fair value of the property (less costs to sell), whichever is lower. The carrying amount at acquisition date of these properties is defined as the balance pending collection on those assets that originated said purchases (net of pro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;visions).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Descripitionofdescriptionofaccountingpolicyforinventoriesexplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForMeasuringInventories id="ID_7402" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Inventory sales&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In sale transactions, the carrying amount of inventories is derecognized from the consolidated balance sheet and recognized as an expense under the income state&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ment heading &amp;quot;Other operating expenses &amp;#8211; Changes in inventories&amp;#8221; in the year in which the income from its sale is recognized. This income is recognized under the heading &amp;#8220;Other operating income &amp;#8211; Financial income from non-financial services&amp;#8221; in the consoli&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;dated income statements (see Note 42).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForMeasuringInventories>
  <bbva:Descriptionofaccountingpolicyfortheimpairmentofinventories id="ID_7403" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Impairment&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The amount of any subsequent adjustment due to inventory valuation for reasons such as damage, obsolescence, reduction in sale price to its net realizable value, as well as losses for other reasons and, if appropriate, subsequent recov&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;eries of value up to the limit of the initial cost value, are recognized under the heading &amp;quot;Impairment or reversal of impairment on non-financial assets&amp;#8221; in the accompanying consolidated income statements (see Note 48) for the year in which they are incurr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In the case of the above mentioned real-estate assets, if the fair value less costs to sell is lower than the carrying amount of the loan recognized in the consolidated balance sheet, a loss is recognized under the heading &amp;quot;Impairment or reversal of im&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;pairment on non-financial assets&amp;quot; in the consolidated income statement for the year. In the case of real-estate assets accounted for as inventories, the BBVA Group&amp;#8217;s criterion for determining their net realizable value is mainly based on independent apprai&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sals no more than one year old, or less if there are indications of impairment.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Descriptionofaccountingpolicyfortheimpairmentofinventories>
  <ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory id="ID_7404" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Business combinations&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;A business combination is a transaction, or any other deal, by which the Group obtains control of one or more businesses. It is accounted for by applying the acquisition method.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;According&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; to this method, the acquirer has to recognize the assets acquired and the liabilities and contingent liabilities assumed, including those that the acquired entity had not recognized in the accounts. The method involves the measurement of the consideration&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; received for the business combination and its allocation to the assets, liabilities and contingent liabilities measured according to their fair value, at the purchase date, as well as the recognition of any non-controlling participation (minority interest&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s) that may arise from the transaction.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In a business combination achieved in stages, the acquirer shall remeasure its previously held equity interest in the acquiree at its acquisition-date fair value and recognize the resulting gain or loss, if any, in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;profit or loss under the heading &amp;#8220;Gains (losses) on derecognition of non-financial assets and subsidiaries, net&amp;#8221; of the consolidated income statements. In prior reporting periods, the acquirer may have recognized changes in the value of its equity interest&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; in the acquiree in other comprehensive income. If so, the amount that was recognized in other comprehensive income shall be recognized on the same basis as would be required if the acquirer had disposed directly of the previously held equity interest.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;addition, the acquirer shall recognize an asset in the consolidated balance sheet under the heading &amp;#8220;Intangible asset - Goodwill&amp;#8221; if on the acquisition date there is a positive difference between:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the sum of the consideration transferred, the amount of all&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; the non-controlling interests and the fair value of stock previously held in the acquired business; and &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the net fair value of the assets acquired and liabilities assumed.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If this difference is negative, it shall be recognized directly in the income state&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ment under the heading &amp;#8220;Negative goodwill recognized in profit or loss&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Non-controlling interests in the acquired entity may be measured in two ways: either at their fair value; or at the proportional percentage of net assets identified in the acquired &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;entity. The method of valuing non-controlling interest may be elected in each business combination. BBVA Group has always elected for the second method.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory id="ID_7405" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Goodwill&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Goodwill represents a portion of consideration transferred in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;advance by the acquiring entity for the future economic benefits from assets that cannot be individually identified and separately recognized. Goodwill is never amortized. It is subject periodically to an impairment analysis, and is written off if there ha&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s been impairment (see Note 18).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Goodwill is assigned to one or more cash-generating units that expect to be the beneficiaries of the synergies derived from the business combinations. The cash-generating units represent the Group&amp;#8217;s smallest identifiable as&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;set groups that generate cash flows for the Group and that are largely independent of the flows generated from the Group&amp;#8217;s other assets or groups of assets. Each unit or units to which goodwill is allocated:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Is the lowest level at which the entity manages &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;goodwill internally.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Is not larger than an operating segment.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The cash-generating units to which goodwill has been allocated are tested for impairment (including the allocated goodwill in their carrying amount). This analysis is performed at least annually&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; or more frequently if there is any indication of impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;For the purpose of determining the impairment of a cash-generating unit to which a part of goodwill has been allocated, the carrying amount of that cash-generating unit, adjusted by the theoreti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cal amount of the goodwill attributable to the non-controlling interests, in the event they are not valued at fair value, is compar&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed with its recoverable amount.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The recoverable amount of a cash-generating unit is equal to the fair value less sale costs &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;or its value in use, whichever is greater. Value in use is calculated as the discounted value of the cash flow projections that the unit&amp;#8217;s management estimates and is based on the latest budgets approved for the coming years. The main assumptions used in i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ts calculation are: a sustainable growth rate to extrapolate the cash flows indefinitely, and the discount rate used to discount the cash flows, which is equal to the cost of the capital assigned to each cash-generating unit, and equivalent to the sum of t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;he risk-free rate plus a risk premium inherent to the cash-generating unit being evaluated for impairment.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If the carrying amount of the cash-generating unit exceeds the related recoverable amount, the Group recognizes an impairment loss; the resulting los&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s is apportioned by reducing, first, the carrying amount of the goodwill allocated to that unit and, second, if there are still impairment losses remaining to be recognized, the carrying amount of the remainder of the assets. This is done by allocating the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; remaining loss in proportion to the carrying amount of each of the assets in the unit. In the event the non-controlling interests are measured at fair value, the deterioration of goodwill attributable to non-controlling interests will be recognized. In an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;y case, an impairment loss recognized for goodwill shall not be reversed in a subsequent period.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Goodwill impairment losses are recognized under the heading &amp;quot;Impairment or reversal of impairment on non-financial assets &amp;#8211; Intangible assets&amp;#8221; in the consolida&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ted income statements (see Note 48).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory id="ID_7406" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Other intangible assets&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These assets may have an indefinite useful life if, based on an analysis of all relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; to generate net cash flows for the consolidated entities. In all other cases they have a finite useful life (see Note 18).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Intangible assets with a finite useful life are amortized according to the duration of this useful life, using methods similar to th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ose used to depreciate tangible assets. The defined useful life intangible asset is made up mainly of IT applications acquisition costs which have a useful life of 3 to 5 years. The depreciation charge of these assets is recognized in the accompanying cons&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;olidated income statements under the heading &amp;quot;Depreciation and amortization&amp;quot; (see Note 45).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#222222;' &gt;The consolidated entities recognize any impairment loss on the carrying amount of these assets with charge to the heading &amp;#8220;Impairment or reversal of impairment on n&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#222222;' &gt;on - financial assets- Intangible assets&amp;#8221; in the accompanying consolidated income statements (see Note 48). &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;The criteria used to recognize the impairment losses on these assets and, where applicable, the recovery of impairment losses recognized in prior &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;years, are similar to those used for tangible assets.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForInsuranceContracts id="ID_7407" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The assets and liabilities of the BBVA Group&amp;#8217;s insurance subsidiaries are recognized according to their nature under the corresponding headings of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;consolidated balance sheets, and the initial recognition and valuation is carried out according to the criteria set out in IFRS 4.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Insurance and reinsurance assets&amp;#8221; in the accompanying consolidated balance sheets includes the amounts that the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;consolidated insurance subsidiaries are entitled to receive under the reinsurance contracts entered into by them with third parties and, more specifically, the reinsurer&amp;#180;s share of the technical provisions recognized by the consolidated insurance subsidiar&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ies.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Liabilities under insurance and reinsurance contracts&amp;#8221; in the accompanying consolidated balance sheets includes the technical provisions for direct insurance and inward reinsurance recognized by the consolidated insurance subsidiaries to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cover claims arising from insurance contracts open at period-end (see Note 23).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The income or expenses reported by the BBVA Group&amp;#8217;s consolidated insurance subsidiaries on their insurance activities is recognized, in accordance with their nature, in the co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rresponding items of the consolidated income statements.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The consolidated insurance entities of the BBVA Group recognize the amounts of the premiums written and a charge for the estimated cost of the claims that will be incurred at their final settlement t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;o their consolidated income statements. At the close of each year the amounts collected and unearned, as well as the costs incurred and unpaid, are accrued.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The most significant provisions recorded by consolidated insurance entities with respect to insuran&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ce policies issued by them are set out by their nature in Note 23.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;According to the type of product, the provisions may be as follows:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Life insurance provisions:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Represents the value of the net obligations undertaken with the life insurance policyholder. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;These provisions include:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:12pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Provisions for unearned premiums. These are intended for the accrual, at the date of calculation, of the premiums written. Their balance reflects the portion of the premiums received until the closing date that has to be allocated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; to the period from year-end to the end of the insurance policy period.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:12pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Mathematical&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; reserves: Represents the value of the life insurance obligations of the insurance entities at year-end, net of the policyholder&amp;#8217;s obligations, arising from life insurance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;contracted.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Non-life insurance provisions:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:12pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Provisions for unearned premiums. These provisions are intended for the accrual, at the date of calculation, of the premiums written. Their balance reflects the portion of the premiums received until the closing d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ate that has to be allocated to the period between the year-end and the end of the policy period.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:12pt;margin-bottom:10pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Provisions for unexpired risks: The provision for unexpired risks supplements the provision for unearned premiums by the amount by which that provision is not&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; sufficient to reflect the assessed risks and expenses to be covered by the consolidated insurance subsidiaries in the policy period not elapsed at year-end.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Provision for claims:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;This reflects the total amount of the outstanding obligations arising from &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;laims incurred prior to year-end. Insurance subsidiaries calculate this&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;provision as the difference between the total estimated or certain cost of the claims not yet reported, settled or paid, and the total amounts already paid in relation to these claims.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Provision for bonuses and rebates:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;This provision includes the amount of the bonuses &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;accruing to policyholders, insurees or beneficiaries and the premiums to be returned to policyholders or insurees, as the case may be, based on the behavior of the risk &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;insured, to the extent that such amounts have not been individually assigned to each of them.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Technical provisions for reinsurance ceded:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;Calculated by applying the criteria indicated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;above for direct insurance, taking account of the assignment conditions &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;established in the open reinsurance contracts.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Other technical provisions:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:4pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;Insurance entities have recognized provisions to cover the probable &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;mismatches in the market reinvestment interest rates with respect to those used in the valuation of the technical&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; provisions.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group controls and monitors the exposure of the insurance subsidiaries to financial risk and, to this end, uses internal methods and tools that enable it to measure credit risk and market risk and to establish the limits for these &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;risks.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Insurance and reinsurance contracts&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForInsuranceContracts>
  <ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory id="ID_7408" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Expenses on corporate income tax applicable to the BBVA Group&amp;#8217;s Spanish entities and on similar income taxes applicable to consolidated foreign entities are recognized in the consolidated income statement, except &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;when they result from transactions on which the profits or losses are recognized directly in equity, in which case the related tax effect is also recognized in equity. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The total corporate income tax expense is calculated by aggregating the current tax ari&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sing from the application of the corresponding tax rate as per the tax base for the year (after deducting the tax credits or discounts allowable for tax purposes) and the change in deferred tax assets and liabilities recognized in the consolidated income s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;tatement.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory id="ID_7409" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Deferred tax assets and liabilities include temporary differences, defined as the amounts to be payable or recoverable in future years arising from the differences between the carrying amount of assets and liabilities and their tax bases (the &amp;#8220;ta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;x value&amp;#8221;), and tax loss and tax credit or discount carry forwards (see Note 19).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The &amp;quot;Tax Assets&amp;quot; line item in the accompanying consolidated balance sheets includes the amount of all the assets of a tax nature, broken down into: &amp;quot;Current&amp;#8221; (amounts of tax r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ecoverable in the next twelve months) and &amp;quot;Deferred&amp;quot; (which includes the amount of tax to be recovered in future years, including those arising from tax losses or credits for deductions or rebates that can be compensated). The &amp;quot;Tax Liabilities&amp;quot; line item i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n the accompanying consolidated balance sheets includes the amount of all the liabilities of a tax nature, except for provisions for taxes, broken down into: &amp;quot;Current&amp;#8221; (income tax payable on taxable profit for the year and other taxes payable in the next t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;welve months) and &amp;quot;Deferred&amp;quot; (the amount of corporate tax payable in subsequent years).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Deferred tax liabilities attributable to taxable temporary differences associated with investments in subsidiaries, associates or joint venture entities are recognized &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;as such, except where the Group can control the timing of the reversal of the temporary difference and it is unlikely that it will reverse in the future. Deferred tax assets are recognized to the extent that it is considered probable that the consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;entities will have sufficient taxable profits in the future against which the deferred tax assets can be utilized and are not from the initial recognition (except in the case of a business combination) of other assets or liabilities in a transaction that d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;oes not affect the fiscal outcome or the accounting result.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The deferred tax assets and liabilities recognized are reassessed by the consolidated entities at each balance sheet date in order to ascertain whether they still qualify as deferred tax assets an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;d liabilities, and the appropriate adjustments are made on the basis of the findings of the analyses performed. In those circumstances in which it is unclear how a specific requirement of the tax law applies to a particular transaction or circumstance, and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the acceptability of the definitive tax treatment depends on the decisions taken by the relevant taxation authority in future, the entity recognizes current and deferred tax liabilities and assets considering whether it is probable or not that a taxation &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;authority will acc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ept an uncertain tax treatment.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Thus, if the entity concludes that it is not probable that the taxation authority will accept an uncertain tax treatment, the entity uses the amount expected to be paid to (recovered from) the taxation &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;authorities.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForTaxesOtherThanIncomeTaxExplanatory id="ID_7410" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The income and expenses directly recognized in consolidated equity that do not increase or decrease taxable income are accounted for as temporary differences.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForTaxesOtherThanIncomeTaxExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory id="ID_7411" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Provisions, contingent assets and contingent liabilities&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Provi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sions&amp;#8221; in the consolidated balance sheets includes amounts recognized to cover the BBVA Group&amp;#8217;s current obligations arising as a result of past events. These are certain in terms of nature but uncertain in terms of amount and/or settlement date. The settle&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ment of these obligations is deemed likely to entail an outflow of resources embodying economic benefits (see Note 24). The obligations may arise in connection with legal or contractual provisions, valid expectations formed by Group entities relative to th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ird parties in relation to the assumption of certain responsibilities or through virtually certain developments of particular aspects of the regulations applicable to the operation of the entities; and, specifically, future legislation to which the Group w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ill certainly be subject. The provisions are recognized in the consolidated balance sheets when each and every one of the following requirements is met:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;They represent a current obligation that has arisen from a past event. At the date of the Consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Financial Statements, there is more probability that the obligation will have to be met than that it will not.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;It is probable that an outflow of resources embodying economic benefits will be required to settle the obligation.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The amount of the obligation c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;an be reasonably estimated.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Among other items, these provisions include the commitments made to employees by some of the Group entities (mentioned in Note 2.2.12), as well as provisions for tax and legal litigation.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Contingent assets are possible assets th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;at arise from past events and whose existence is conditional on, and will be confirmed only by, the occurrence or non-occurrence of events beyond the control of the Group. Contingent assets are not recognized in the consolidated balance sheet or in the con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;solidated income statement; however, they will be disclosed, should they exist, in the Notes to the Consolidated Financial Statements, provided that it is probable will give rise to an increase in resources embodying economic benefits.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Contingent liabiliti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es are possible obligations of the Group that arise from past events and whose existence is conditional on the occurrence or non-occurrence of one or more future events beyond the control of the Group. They also include the existing obligations of the Grou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;p when it is not probable that an outflow of resources embodying economic benefits will be required to settle them; or when, in extremely rare cases, their amount cannot be measured with sufficient reliability. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Contingent liabilities are not recognized in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the consolidated balance sheet or the income statement (excluding contingent liabilities from business combination) but are disclosed in the Notes to the Consolidated Financial Statements, unless the possibility of an outflow of resources embodying econom&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ic benefits is remote.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory id="ID_7412" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Pensions and other post-employment commitments&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Below we provide a description of the most significant accounting policies relating to post-employment and other employee benefit commitments assumed by BBVA Group entities (see&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; Note 25).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Short-term employee benefits&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Benefits for current active employees which are accrued and settled during the year and for which a provision is not required in the entity&amp;#180;s accounts. These include wages and salaries, social security charges and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;other personnel expenses.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Costs are charged and recognized under the heading &amp;#8220;Administration costs &amp;#8211; Personnel expenses &amp;#8211; Other personnel expenses&amp;#8221; of the consolidated income statement (see Note 44.1).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Post-employment benefits &amp;#8211; Defined-contribution plans&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The Group sponsors defined-contribution plans for the majority of its active employees. The amount of these benefits is established as a percentage of remuneration and/or as a fixed amount.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The contributions made to these plans in each year by BBVA Group e&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ntities are charged and recognized under the heading &amp;#8220;Administration costs &amp;#8211; Personnel expenses &amp;#8211; Defined-contribution plan expense&amp;#8221; of the consolidated income statement (see Note 44.1). &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Post-employment benefits &amp;#8211; Defined-benefit plans&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Some Group entities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; maintain pension commitments with employees who have already retired or taken early retirement, certain closed groups of active employees still accruing defined benefit pensions, and in-service death and disability benefits provided to most active employe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;es. These commitments are covered by insurance contracts, pension funds and internal provisions.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition, some of the Spanish entities have offered certain employees the option to retire before their normal retirement age, recognizing the necessary pro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;visions to cover the costs of the associated benefit commitments, which include both the liability for the benefit payments due as well as the contributions payable to external pension funds during the early retirement period.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Furthermore, certain Group entities provide welfare and medical benefits which extend beyond the date of retirement of the employees entitled to the benefits.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;All of these commitments are quantified based on actuarial valuations, with the amounts recorded &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;under the heading &amp;#8220;Provisions &amp;#8211; Provisions for pensions and similar obligations&amp;#8221; in the consolidated balance sheet and determined as the difference between the value of the defined-benefit commitments and the fair value of plan assets at the date of the Co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nsolidated Financial Statements (see Note 25).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Current service cost are charged and recognized under the heading &amp;#8220;Administration costs &amp;#8211; Personnel expenses &amp;#8211; Defined-benefit plan expense&amp;#8221; of the consolidated income statement (see Note 44.1).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Interest credi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ts/charges relating to these commitments are charged and recognized under the headings &amp;#8220;Interest and other income&amp;#8221; and &amp;#8220;Interest expense&amp;#8221; of the consolidated income statement (see Note 37).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Past service costs arising from benefit plan changes as well as ea&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rly retirements granted during the year are recognized under the heading &amp;#8220;Provisions or reversals of provisions&amp;#8221; of the consolidated income statement (see Note 46).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Other long-term employee benefits&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In addition to the above commitments, certain Group entit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ies provide long-term service awards to their employees, consisting of monetary amounts or periods of vacation granted upon completion of a number of years of qualifying service.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These commitments are quantified based on actuarial valuations and the amounts recorded under the heading &amp;#8220;Provisions &amp;#8211; Other long-term employee benefits&amp;#8221; of the consolidated balance sheet (see Note 24).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Valuation of commitments: actuarial assumptions and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#094FA4;' &gt;recognition of gains/losses&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The present value of these commitments is determined based on individual member data. Active employee costs are determined using the &amp;#8220;projected unit credit&amp;#8221; method, which treats each period of service as giving rise to an additi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;onal unit of benefit and values each unit separately.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In establishing the actuarial assumptions we take into account that:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;They should be unbiased, i.e. neither unduly optimistic nor excessively conservative.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Each assumption does not contradict the others &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;and adequately reflect the existing relationship between economic variables such as price inflation, expected wage increases, discount rates and the expected return on plan assets, etc. Future wage and benefit levels should be based on market expectations,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; at the balance sheet date, for the period over which the obligations are to be settled.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The interest rate used to discount benefit commitments is determined by reference to market yields, at the balance sheet date, on high quality bonds.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cognizes actuarial gains/losses relating to early retirement benefits, long service awards and other similar items under the heading &amp;#8220;Provisions or reversal of provisions&amp;#8221; of the consolidated income statement for the period in which they arise (see Note 46&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;). Actuarial gains/losses relating to pension and medical benefits are directly charged and recognized under the heading &amp;quot;Accumulated other comprehensive income &amp;#8211; Items that will not be reclassified to profit or loss &amp;#8211; Actuarial gains or losses on defined &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;benefit pension plans&amp;quot; of equity in the consolidated balance sheet (see Note 30).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory id="ID_7413" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Equity-settled share-based payment transactions&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Provided they constitute the delivery of such equity instruments following the completion of a specific period of services, equity-settled share-based payment transactions are recognized as an expense for services being provided by employees, by way of a b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;alancing entry under the heading &amp;#8220;Shareholders&amp;#8217; funds &amp;#8211; Other equity instruments&amp;#8221; in the consolidated balance sheet. These services are measured at fair value for the employees services received, unless such fair value cannot be calculated reliably. In suc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;h case, they are measured by reference to the fair value of the equity instruments granted, taking into account the date on which the commitments were granted and the terms and other conditions included in the commitments.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the initial compensation agr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;eement includes what may be considered market conditions among its terms, any changes in these conditions will not be reflected in the consolidated income statement, as these have already been accounted for in calculating the initial fair value of the equi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ty instruments. Non-market vesting conditions are not taken into account when estimating the initial fair value of equity instruments, but they are taken into account when determining the number of equity instruments to be issued. This will be recognized o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;n the consolidated income statement with the corresponding increase in total consolidated equity.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForTerminationBenefits id="ID_7414" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Termination benefits&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Termination benefits are recognized in the financial statements when the BBVA Group agrees to terminate employment contracts wit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;h its employees and has established a detailed plan.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForTerminationBenefits>
  <ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory id="ID_7415" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Treasury &lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;shares&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The value of common stock issued by the BBVA Group&amp;#8217;s entities and held by them - basically, shares and derivatives on the Bank&amp;#8217;s shares held by some consolidated entities that &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;comply with the requirements to be recognized as equity instruments - are recognized as a decrease to net equity, under the heading &amp;quot;Shareholders&amp;#8217; funds - Treasury stock&amp;quot; in the consolidated balance sheets (see Note 29).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These financial assets are recogniz&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed at acquisition cost, and the gains or losses arising on their disposal are credited or debited, as appropriate, to the heading &amp;#8220;Shareholders&amp;#8217; funds - Retained earnings&amp;#8221; in the consolidated balance sheets (see Note 28).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory>
  <bbva:Descriptionofaccountingpolicyforforeigncurrencytranslationandexchangedifferencesbalancesheetexplanatory id="ID_7416" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Foreign-currency transact&lt;/font&gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;color:#004580;' &gt;ions and exchange differences&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The BBVA Group&amp;#8217;s functional currency, and thus the currency in which the Consolidated Financial Statements are presented, is the euro. As such, all balances and transactions denominated in currencies other than the euro are de&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;emed to be denominated in &amp;#8220;foreign currency&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Conversion to euros of the balances held in foreign currency is performed in two consecutive stages:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Conversion of the foreign currency to the entity&amp;#8217;s functional currency (currency of the main economic environ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ment in which the entity operates); and&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Conversion to euros of the balances held in the functional currencies of the entities whose functional currency is not the euro.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</bbva:Descriptionofaccountingpolicyforforeigncurrencytranslationandexchangedifferencesbalancesheetexplanatory>
  <bbva:Descriptionofaccountingpolicyforfunctionalcurrencybalancesheetexplanatory id="ID_7417" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Conversion of the foreign currency to the entity&amp;#8217;s functional currency&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Transactions &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;denominated in foreign currencies carried out by the consolidated entities (or entities accounted for using the equity method) are initially accounted for in their respective currencies. Subsequently, the monetary balances in foreign currencies are convert&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed to their respective functional currencies using the exchange rate at the close of the financial year. In addition,&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Non-monetary items valued at their historical cost are converted to the functional currency at the exchange rate applicable on the purchas&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;e date.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Non-monetary items valued at their fair value are converted at the exchange rate in force on the date on which such fair value was determined.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Income and expenses are converted at the period&amp;#8217;s average exchange rates for all the operations carried o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ut during the year. When applying this criterion the BBVA Group considers whether significant variations have taken place in exchange rates during the year which, owing to their impact on the statements as a whole, may require the application of exchange r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ates as of the date of the transaction instead of such average exchange rates.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The exchange differences produced when converting the balances in foreign currency to the functional currency of the consolidated entities are generally recognized under the hea&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ding &amp;quot;Exchange differences, net&amp;quot; in the consolidated income statements (see Note 41). However, the exchange differences in non-monetary items, measured at fair value, are recognized temporarily in consolidated equity under the heading &amp;#8220;Accumulated other co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;mprehensive income - Items that may be reclassified to profit or loss - Exchange differences&amp;#8221; in the consolidated balance sheets (see Note 30).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Conversion of functional currencies to euros&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The balances in the financial statements of consolidated entities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;whose functional currency is not the euro are converted to euros as follows:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Assets and liabilities: at the closing spot exchange rates as of the date of each of the consolidated balance sheets.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Income and expenses and cash flows are converted&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; by applying the exchange rate applicable on the date of the transaction, and the average exchange rate for the financial year may be used, unless it has undergone significant variations.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Equity items: at&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; the historical exchange rates.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The exchange differe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nces arising from the conversion to euros of balances in the functional currencies of the consolidated entities whose functional currency is not the euro are recognized under the heading &amp;#8220;Accumulated other comprehensive income &amp;#8211; Items that may be reclassif&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ied to profit or loss - Exchange differences&amp;#8221; in the consolidated balance sheets (Notes 30 and 31 respectively). Meanwhile, the differences arising from the conversion to euros of the financial statements of entities accounted for by the equity method are &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;recognized under the heading &amp;quot; Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Entities accounted for using the equity method&amp;quot; (Note 30) until the item to which they relate is derecognized, at which time they are&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; recognized in the income statement.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The financial statements of companies of hyperinflationary economies are restated for the effects of changes in prices before their conversion to euros following the provisions of IAS 29 &amp;quot;Financial information in hyperi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;nflationary economies&amp;quot; (see note 2.2.20). Both these adjustments for inflation and the exchange differences that arise when converting the financial statements of companies into hyperinflationary economies are accounted for in Reserves.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e main consolidated balances in foreign currencies, with reference to the most significant foreign currencies, is set forth in Appendix VII.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:11pt;margin-bottom:11pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#094FA4;' &gt;Venezuela&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Local financial statements of the Group subsidiaries in Venezuela are expressed in Venezuelan Bolivar, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;and converted into euros for the consolidated financial statements&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;. As &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Venezuela is a country with strong exchange restrictions and has diffe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rent rates officially published, s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ince December 31, 2015, the Board of Directors considers that the use of the Vene&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;zuelan official exchanges rates for converting bolivars into euros in preparing the Consolidated Financial Statements does not reflect the true picture of the financial statements of the Group and the financial position of the Group subsidiaries in Venezue&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;la. Therefore, since the year ended December 31, 2015, the exchange rate for converting bolivars into euros is an estimation taking into account the lack of official data and the evolution of the estimated inflation in Venezuela. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;As of December 31, 2018, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;2017 and 2016, the impact on the financial statements that would have resulted by applying the last published official exchange rate instead of the exchange rate estimated by BBVA Group was not significant.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Descriptionofaccountingpolicyforfunctionalcurrencybalancesheetexplanatory>
  <bbva:Descriptionofaccountingpolicyforrecognitionofrevenueandexpensesexplanatory id="ID_7418" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Recognition of income and expenses&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;most significant policies used by the BBVA Group to recognize its income and expenses are as follows.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Descriptionofaccountingpolicyforrecognitionofrevenueandexpensesexplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory id="ID_7419" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Interest income and expenses and similar items:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;As a general rule, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;interest income and expenses and similar items are recognized on the basis of their per&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;iod of accrual using the effective interest rate method. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;They shall &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;be&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&amp;#8217; portfolio which generates the income or expenses:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The interest income past-due before the initial recognition and pending to be received will form part of the gross carrying amount of the debt instrument.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The interest income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; accrued after the initial recognition will form part of the gross carrying amoun&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;t of the debt instrument until it will be received.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The financial fees and commissions that arise on the arrangement of loans and advances (basically origination and analysis fees) are deferred and recognized in the income statement over the expected life &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;of the loan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;. From that amount, the transaction costs identified as directly attributable to the arrangement of the loans and advances will be deducted. These fees are part of the effective interest rate for the loans and advances. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;Once a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; debt instrument has been impaired, interest income is recognized applying the effective interest rate used to discount the estimated recoverable cash flows on the carrying amount of the asset.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Income from dividends received:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#0D0D0D;' &gt;Dividends shall be &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;recognized&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt; within the consolidated income statement according to the following&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#0D0D0D;' &gt;criteria, independently from the financial instruments&amp;#8217; portfolio which generates this income:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;When the right to receive payment has been declared before the initial recognition and when &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;the payment is pending to be received, the dividends will not form part of the gross carrying amount of the equity instrument and will not be recognized as income. Those dividends are accounted for as financial assets separately from the net equity instrum&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ent.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;If the right to receive payment is received after the initial recognition, the dividends from the net equity instruments will be recognized within the consolidated income statement. If the dividends correspond indubitable to the profits of the issuer &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;before the date of initial recognition, they will not be recognized as income but as reduction of the gross carrying amount of the equity instrument because it represents a partly recuperation of the investment. Amongst other circumstances, the generation &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;date can be considered to be prior to the date of initial recognition if the amounts distributed by the issuer as from the initial recognition are higher than its profits during the same period.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory id="ID_7420" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Commissions, fees and similar items:&lt;/font&gt;&lt;/p&gt;&lt;ul style='margin-top:0pt;' &gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Income and expenses rel&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ating to commissions and similar fees are recognized in the consolidated income statement using criteria that vary according to the nature of such items. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;The most significant items in this connection are:&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Those relating to financial assets and liabilities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;measured at fair value through profit or loss, which are recognized when collected/paid.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Those arising from transactions or services that are provided over a period of time, which are recognized over the life of these transactions or services.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:disc;text-align:justify;margin-top:0pt;margin-bottom:6pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;Those relati&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;ng to a singular transaction, which are recognized when this singular transaction is carried out.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory id="ID_7421" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Non-financial income and expenses:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These are recognized for accounting purposes on an accrual basis.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#000000;' &gt;Deferred collections and payments:&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;These are recognized &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory>
  <bbva:Descriptionofaccountingpolicyforrecognitionofnonfinancialservicesrevenueexplanatory id="ID_7422" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Sales of assets and income from the provision of non-financial services&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The heading &amp;#8220;Other operating income&amp;#8221; in the consolidated income &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;statements includes the proceeds of the sales of assets and income from the services provided by the Group entities that are not financial institutions. In the case of the Group, these entities are mainly real estate and service entities (see Note 42).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Descriptionofaccountingpolicyforrecognitionofnonfinancialservicesrevenueexplanatory>
  <ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory id="ID_7423" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Leases&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Lease contracts are classified as finance leases from the inception of the transaction if they substantially transfer all the risks and rewards incidental to ownership of the asset forming the subject-matter of the contract. Leases other than &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;finance leases are classified as operating leases.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the consolidated entities act as the lessor of an asset under finance leases, the aggregate present values of the lease payments receivable from the lessee plus the guaranteed residual value (normally&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; the exercise price of the lessee&amp;#8217;s purchase option on expiration of the lease agreement) are recognized as financing provided to third parties and, therefore, are included under the heading &amp;#8220;Loans and receivables&amp;#8221; in the accompanying consolidated balance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sheets (see Note 14).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;When the consolidated entities act as lessors of an asset in operating leases, the acquisition cost of the leased assets is recognized under &amp;quot;Tangible assets &amp;#8211; Property, plant and equipment &amp;#8211; Other assets leased out under an operating&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; lease&amp;quot; in the consolidated balance sheets (see Note 17). These assets are depreciated in line with the criteria adopted for items of tangible assets for own use, while the income arising from the lease arrangements is recognized in the consolidated income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; statements on a straight-line basis within &amp;quot;Other operating expenses&amp;quot; (see Note 42).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;If a fair value sale and leaseback results in an operating lease, the profit or loss generated from the sale is recognized in the consolidated income statement at the tim&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;e of sale. If such a transaction gives rise to a finance lease, the corresponding gains or losses are&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; accrued over the lease period.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The assets leased out under operating lease contracts to other entities in the Group are treated in the Consolidated Finan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;cial Statements as for own use, and thus rental expense and income is eliminated in consolidation and the corresponding depreciation is recognized.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory>
  <bbva:DescriptionOfAccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomies id="ID_7424" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Entities and branches located in countries with hyperinflationary economies&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In accordance with the IFRS criteria, to determine whether an economy has a high inflation rate, the country&amp;#39;s economic situation is examined, analyzing whether certain circumstances are fulfilled, such as whether the population prefers to keep its wealth &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;or savings in non-monetary assets or in a relatively stable foreign currency, whether prices can be set in that currency, whether interest rates, wages and prices are pegged to a price index or whether the accumulated inflation rate over three years reache&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;s or exceeds 100%. The fact that any of these circumstances is fulfilled will not be a decisive factor in considering an economy hyperinflationary, but it does provide some reasons to consider it as such. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Argentina&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;In 2018, the Argentinian economy was con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;sidered to be hyperinflationary as defined by the aforementioned criteria. Accordingly, as of December 31, 2018, it was necessary to adjust the financial statements of the Group&amp;#39;s subsidiaries based in Argentina to correct for the effect of inflation.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Purs&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;uant to the requirements of IAS 29, the monetary headings (mainly loans and deposits) have not been re-expressed, while the non-monetary headings (mainly tangible fixed assets and equity) have been re- expressed in accordance with the change in the country&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#39;s Consumer Price Index.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The accumulated historical differences between the re-expressed costs and the previous costs in the non-monetary headings as of December 31, 2017 were credited to &amp;#8220;Equity&amp;#8221; in the balance sheet, effective on January 1, 2018, while &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;the differences corresponding to 2018, and the re-expression of results were recognized in the consolidated income statement for 2018 in accordance with the nature of the income and expenses.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During the year ended December 31, 2018 there was a reclassific&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ation in &amp;#8220;Transfers within total equity&amp;#8221; of the Consolidated Statements of Changes in Equity between &amp;#8220;Accumulated other comprehensive income&amp;#8221; and &amp;#8220;Shareholders&amp;#8217; funds &amp;#8211; Retained earnings&amp;#8221; for &amp;#8364;1,096 million, and from &amp;#8220;Non-controlling interest &amp;#8211; Accumulated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; other comprehensive income (loss)&amp;#8221; to &amp;#8220;Non-controlling interest &amp;#8211; Other&amp;#8221; for &amp;#8364;540 million in accordance with IAS 29 and the accounting policy approved by the Group in relation to the hyperinflation (see Note 1.3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;During 2018, the increase in the reserves&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; of Group entities located in Argentina derived from the re-expression for hyperinflation (IAS 29) amounted to &amp;#8364;703 million, of which &amp;#8364;463 million have been recorded within &amp;#8220;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Shareholders&amp;#8217; funds - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Retained earnings&amp;#8221; and &amp;#8364;240 million within &amp;#8220;Minority interes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ts &amp;#8211; Other&amp;#8221;. Furthermore, during 2018 the decrease in the reserves of Group entities located in Argentina derived from conversion (IAS 21) amounts to &amp;#8364;-773 million, of which &amp;#8364;-515 million have been recorded within &amp;#8220;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Shareholders&amp;#8217; funds - &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;Retained earnings&amp;#8221;,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;-258 million within &amp;#8220;Minority interests &amp;#8211; Other&amp;#8221;. The net impact of both effects is presented under the caption &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;&amp;#8220;Other increases or (-) decreases in equity&amp;#8221; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;in the consolidated Statement of Changes in Equity for the year ended December 31, 2018. The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;net loss in the profit attributable to the parent company of the Group in 2018 derived from the application of IAS 29 amounted to &amp;#8364;209 million. In addition, there is a net loss in the profit attributable to the parent company of the Group in 2018 derived f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rom the application of IAS 21 which amounted to &amp;#8364;57 million.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The breakdown of the General Price Index (&amp;#8220;GPI&amp;#8221;) and the inflation index used as of December 31, 2018 for the inflation restatement of the financial statements of the Group companies locat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ed in A&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;rgentina is as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;text-decoration:underline;color:#000000;' &gt;General Price Index &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;GPI&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Average GPI&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12,75pt;' &gt;&lt;td style='width:432,75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:432,75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Inflation of the period&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50,25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;color:#006EC1;' &gt;Venezuela&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;Since 2009, the economy of Venezuela can be considered hyperinflationary under the above criteria. As a result, the financial statements of the BBVA Group&amp;#8217;s entities located in Venezuela have &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;therefore been adjusted to correct for the effects of inflation in accordance with IAS 29 &amp;#8220;Financial Reporting in Hyperinflationary Economies&amp;#8220;. As stated in Note 1.3, BBVA has restated prior year information in relation to a change in the accounting policy&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; for applying IAS 29.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;margin-left:0pt;' &gt;The losses recognized under the heading &amp;#8220;Profit attributable to the parent company&amp;#8221; in the accompanying consolidated income statement as a result of the adjustment for inflation on net monetary position of the Group entities in Venezu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;ela amounted to &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;12&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;13&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt;28&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;' &gt; million in 2018, 2017 and 2016 respectively (see Note 2.2.16).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:DescriptionOfAccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomies>
  <bbva:Tangibleassets id="ID_7425" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_GrossCarryingAmountMember_bbva_ClassesoftangibleassetsaxisAxis_ifrs-full_LandAndBuildingsMember_bbva_TypeofbreakdownaxisAxis_bbva_FowownuseMember" unitRef="EUR" decimals="-6">5939000000</bbva:Tangibleassets>
  <bbva:Tangibleassets id="ID_7426" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_GrossCarryingAmountMember_bbva_ClassesoftangibleassetsaxisAxis_bbva_WorkinprogressMember_bbva_TypeofbreakdownaxisAxis_bbva_FowownuseMember" unitRef="EUR" decimals="-6">70000000</bbva:Tangibleassets>
  <bbva:Tangibleassets id="ID_7427" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_GrossCarryingAmountMember_bbva_ClassesoftangibleassetsaxisAxis_bbva_FurniturefixturesandvehiclesMember_bbva_TypeofbreakdownaxisAxis_bbva_FowownuseMember" unitRef="EUR" decimals="-6">6314000000</bbva:Tangibleassets>
  <bbva:Tangibleassets id="ID_7428" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_GrossCarryingAmountMember_bbva_ClassesoftangibleassetsaxisAxis_bbva_ForownuseTangibleAssetsMember_bbva_TypeofbreakdownaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">12323000000</bbva:Tangibleassets>
  <bbva:Tangibleassets id="ID_7429" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_GrossCarryingAmountMember_bbva_ClassesoftangibleassetsaxisAxis_ifrs-full_InvestmentPropertyMember_bbva_TypeofbreakdownaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">201000000</bbva:Tangibleassets>
  <bbva:Tangibleassets id="ID_7430" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_GrossCarryingAmountMember_bbva_ClassesoftangibleassetsaxisAxis_bbva_AssestsleasedoutunderanoperatingleaseMember_bbva_TypeofbreakdownaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">386000000</bbva:Tangibleassets>
  <bbva:Tangibleassets id="ID_7431" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_GrossCarryingAmountMember_bbva_ClassesoftangibleassetsaxisAxis_bbva_TotalMember_bbva_TypeofbreakdownaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">12910000000</bbva:Tangibleassets>
  <bbva:Tangibleassets id="ID_7432" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_AccumulatedDepreciationAndAmortisationMember_bbva_ClassesoftangibleassetsaxisAxis_ifrs-full_LandAndBuildingsMember_bbva_TypeofbreakdownaxisAxis_bbva_FowownuseMember" unitRef="EUR" decimals="-6">1138000000</bbva:Tangibleassets>
  <bbva:Tangibleassets id="ID_7433" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_AccumulatedDepreciationAndAmortisationMember_bbva_ClassesoftangibleassetsaxisAxis_bbva_WorkinprogressMember_bbva_TypeofbreakdownaxisAxis_bbva_FowownuseMember" unitRef="EUR" decimals="-6">0</bbva:Tangibleassets>
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  <bbva:Transferstangibleassets id="ID_7619" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_AccumulatedDepreciationAndAmortisationMember_bbva_ClassesoftangibleassetsaxisAxis_bbva_TotalMember_bbva_TypeofbreakdownaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-55000000</bbva:Transferstangibleassets>
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  <bbva:Acquisitionofsubsidiariesintheyeartangibleassets id="ID_7628" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ClassesoftangibleassetsaxisAxis_bbva_WorkinprogressMember_bbva_TypeofbreakdownaxisAxis_bbva_FowownuseMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionofsubsidiariesintheyeartangibleassets>
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  <bbva:Disposalsofentitiesintheyeartangibleassets id="ID_7630" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulatedbreakdownbytypesofinstrumentsandchangesaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ClassesoftangibleassetsaxisAxis_ifrs-full_LandAndBuildingsMember_bbva_TypeofbreakdownaxisAxis_bbva_FowownuseMember" unitRef="EUR" decimals="-6">0</bbva:Disposalsofentitiesintheyeartangibleassets>
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  <ifrs-full:AdditionalRecognitionGoodwill id="ID_8020" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis_country_US" unitRef="EUR" decimals="-6">0</ifrs-full:AdditionalRecognitionGoodwill>
  <ifrs-full:AdditionalRecognitionGoodwill id="ID_8021" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis_country_TK" unitRef="EUR" decimals="-6">-1000000</ifrs-full:AdditionalRecognitionGoodwill>
  <ifrs-full:AdditionalRecognitionGoodwill id="ID_8022" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis_country_MX" unitRef="EUR" decimals="-6">0</ifrs-full:AdditionalRecognitionGoodwill>
  <ifrs-full:AdditionalRecognitionGoodwill id="ID_8023" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis_country_CO" unitRef="EUR" decimals="-6">0</ifrs-full:AdditionalRecognitionGoodwill>
  <ifrs-full:AdditionalRecognitionGoodwill id="ID_8024" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis_bbva_ChileMember" unitRef="EUR" decimals="-6">0</ifrs-full:AdditionalRecognitionGoodwill>
  <ifrs-full:AdditionalRecognitionGoodwill id="ID_8025" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis_bbva_RestMember" unitRef="EUR" decimals="-6">0</ifrs-full:AdditionalRecognitionGoodwill>
  <ifrs-full:AdditionalRecognitionGoodwill id="ID_8026" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-1000000</ifrs-full:AdditionalRecognitionGoodwill>
  <ifrs-full:DescriptionOfKeyAssumptionsOnWhichManagementHasBasedCashFlowProjections id="ID_8027" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">Three key assumptions are used when calculating the impairment test. These hypothesis are the ones to which the amount of the recoverable value is most sensitive:
The forecast cash flows estimated by the Group's management, and based on the latest available budgets for the next 5 years.
The constant sustainable growth rate for extrapolating cash flows, starting in the fifth year (2023), beyond the period covered by the budgets or forecasts.
The discount rate on future cash flows, which coincides with the cost of capital assigned to each CGU, and which consists of a risk-free rate plus a premium that reflects the inherent risk of each of the businesses evaluated.
The focus used by the Group's management to determine the values of the hypotheses is based both on its projections and past experience. These values are uniform and use external sources of information. At the same time, the valuations of the most significant goodwill have in general been reviewed by independent experts (not the Group's external auditors) who apply different valuation methods according to each type of asset and liability. The valuation methods used are: The method for calculating the discounted value of future cash flows, the market transaction method and the cost method.</ifrs-full:DescriptionOfKeyAssumptionsOnWhichManagementHasBasedCashFlowProjections>
  <ifrs-full:DescriptionOfBasisOnWhichUnitsRecoverableAmountHasBeenDetermined id="ID_8028" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">As mentioned in Note 2.2.8 of the consolidated financial statements for the year 2018, the cash-generating units (CGUs) to which goodwill has been allocated are periodically tested for impairment by including the allocated goodwill in their carrying amount. This analysis is performed at least annually and whenever there is any indication of impairment.
Both the CGU&#8217;s fair values and the fair values assigned to its assets and liabilities had been based on the estimates and assumptions that the Group&#8217;s Management has deemed most likely given the circumstances. However, some changes to the valuation assumptions used could result in differences in the impairment test result.</ifrs-full:DescriptionOfBasisOnWhichUnitsRecoverableAmountHasBeenDetermined>
  <ifrs-full:ExplanationOfPeriodOverWhichManagementHasProjectedCashFlows id="ID_8029" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">The forecast cash flows estimated by the Group's management, and based on the latest available budgets for the next 5 years.</ifrs-full:ExplanationOfPeriodOverWhichManagementHasProjectedCashFlows>
  <ifrs-full:DescriptionOfNatureAndFinancialEffectOfBusinessCombinationsDuringPeriod id="ID_8030" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">There were no significant business combinations during 2018, 2017 and 2016.</ifrs-full:DescriptionOfNatureAndFinancialEffectOfBusinessCombinationsDuringPeriod>
  <ifrs-full:IntangibleAssetsOtherThanGoodwill id="ID_8031" contextRef="AS_OF_Dec31_2015_Entity_0000842180" unitRef="EUR" decimals="-6">3137000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
  <ifrs-full:AcquisitionsThroughBusinessCombinationsIntangibleAssetsAndGoodwill id="ID_8032" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">0</ifrs-full:AcquisitionsThroughBusinessCombinationsIntangibleAssetsAndGoodwill>
  <ifrs-full:AcquisitionsThroughBusinessCombinationsIntangibleAssetsAndGoodwill id="ID_8033" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</ifrs-full:AcquisitionsThroughBusinessCombinationsIntangibleAssetsAndGoodwill>
  <ifrs-full:AcquisitionsThroughBusinessCombinationsIntangibleAssetsAndGoodwill id="ID_8034" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</ifrs-full:AcquisitionsThroughBusinessCombinationsIntangibleAssetsAndGoodwill>
  <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill id="ID_8035" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">552000000</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
  <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill id="ID_8036" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">564000000</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
  <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill id="ID_8037" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">645000000</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
  <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill id="ID_8038" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">-614000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
  <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill id="ID_8039" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">-694000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
  <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill id="ID_8040" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">-735000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
  <bbva:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill1 id="ID_8041" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">-123000000</bbva:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill1>
  <bbva:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill1 id="ID_8042" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">-305000000</bbva:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill1>
  <bbva:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill1 id="ID_8043" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">-196000000</bbva:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill1>
  <bbva:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill1 id="ID_8044" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">-83000000</bbva:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill1>
  <bbva:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill1 id="ID_8045" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">-12000000</bbva:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill1>
  <bbva:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill1 id="ID_8046" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">-3000000</bbva:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill1>
  <bbva:Disclosureofcarryingvalueandfairvalueexplanatory id="ID_8047" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair Value and Carrying Amount (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:332.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:332.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:332.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:332.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;58,196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;58,196&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;90,117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;90,117&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5,135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5,135&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,313&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;56,337&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;56,337&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;419,660&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;419,857&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:332.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging derivatives &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,892&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:332.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:332.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;80,774&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;80,774&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,993&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,993&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;509,185&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;510,300&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:332.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:332.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,680&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Fair Value and Carrying Amount (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:231.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42,680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;42,680&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;40,039&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;40,039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64,695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;64,695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;74,950&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;74,950&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,062&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,062&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Available-for-sale financial assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;69,476&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;69,476&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;79,221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;79,221&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loans and receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;431,521&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;438,991&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;465,977&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;468,844&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Held-to-maturity investments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,754&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,865&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17,696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;17,619&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:231.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,833&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46,182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;46,182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54,675&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;54,675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,338&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial liabilities at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;543,713&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;544,604&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;589,210&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;594,190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:231.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:231.75pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,347&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,347&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofcarryingvalueandfairvalueexplanatory>
  <ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory id="ID_8048" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Fair Value of financial Instruments by Levels (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:150.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;ASSETS-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26,730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;62,983&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;28,642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;17,884&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;199&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5,194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,605&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26,846&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;85&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,127&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,929&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,778&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,012&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,313&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;45,824&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9,323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;43,788&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9,211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,003&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;479&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,882&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;LIABILITIES-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22,932&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;57,573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7,989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29,945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Trading derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,919&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;27,628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4,478&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,515&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;976&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,858&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,515&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:482.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Fair Value of financial Instruments by Levels  (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:150.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:150.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150.75pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;ASSETS-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29,057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;35,349&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;289&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;32,544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;42,221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;154&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;21,107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,444&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26,720&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;418&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6,688&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;80&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4,570&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,262&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;33,815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;187&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;41,640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,062&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;648&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;174&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,888&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,920&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Available-for-sale financial assets &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;57,381&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11,082&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;62,125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15,894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;637&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;54,850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10,948&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;58,372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15,779&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;429&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3,753&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;115&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;208&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,483&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;LIABILITIES-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11,191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;34,866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12,502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;42,120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,183&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;34,866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;952&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;42,120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Short positions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10,008&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11,550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,338&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:130.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:130.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;274&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;94&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2,189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;64&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory>
  <bbva:Disclosureoffinancialinstrumentsatfairvaluebylevelsexplanatory id="ID_8049" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:501pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:501pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Fair Value of financial Instruments by Levels. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Valuation technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Observable inputs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Unobservable inputs&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;62,983&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;28,642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;199&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Observed prices in non active markets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Non active markets prices&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity instruments &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Comparable pricing (Observable price in a similar market)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Brokers quotes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Market operations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- NAVs published&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- NAV provided by the administrator of the fund&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;26,846&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;85&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:49.5pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Interest rate products (Interest rate swaps, Call money Swaps y FRA): Discounted cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Caps/Floors: Black, Hull-White y  SABR&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Bond options: Black&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; Swaptions: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other Interest rate options: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Constant Maturity Swaps: SABR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Beta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit correlations between tenors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- interest rates volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity Options: Local Volatility, Momentum adjustment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit assets correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Long term implicit correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit dividends and long term repos&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange Options: Local Volatility, moments adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit assets correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Long term implicit correlations&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit Derivatives: Default model and Gaussian copula&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Correlation default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Default volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Commodities: Momentum adjustment and Discounted cash flows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#DADADA;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1,929&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:37.5pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Loans and advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,778&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Specific criteria for the liquidation of losses established by the EPA protocol&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- PD and LGD&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;9,323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;1,190&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21.75pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9,211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Observed prices in non active markets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Non active market prices&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;479&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Comparable pricing (Observable price in a similar market)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Brokers quotes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Market operations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- NAVs published&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- NAV provided by the administrator of the fund&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Hedging derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2,882&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:49.5pt;' &gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Interest rate products (Interest rate swaps, Call money Swaps y FRA): Discounted cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Caps/Floors: Black, Hull-White y  SABR&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Bond options: Black&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; Swaptions: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other Interest rate options: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Constant Maturity Swaps: SABR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity Options: Local Volatility, Momentum adjustment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange Options: Local Volatility, moments adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit Derivatives: Default model and Gaussian copula&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:88.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Commodities: Momentum adjustment and Discounted cash flows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:114pt;text-align:right;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:114pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:499.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:499.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Fair Value of financial Instruments by Levels. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Valuation technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Observable inputs&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Unobservable inputs&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;57,573&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;29,945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;27,628&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;267&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:49.5pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Interest rate products (Interest rate swaps, Call money Swaps y FRA): Discounted cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Caps/Floors: Black, Hull-White y  SABR&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Bond options: Black&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; Swaptions: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other Interest rate options: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Constant Maturity Swaps: SABR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Beta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Correlation between tenors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- interest rates volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity Options: Local Volatility, Momentum adjustment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Assets correlation&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange Options: Local Volatility, moments adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Assets correlation&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit Derivatives: Default model and Gaussian copula&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Correlation default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Default volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Commodities: Momentum adjustment and Discounted cash flows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:center;vertical-align:middle;background-color:#DADADA;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:89.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Short positions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#D9D9D9;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Correlation default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;4,478&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2,515&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Current market interest rates&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;2,454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:49.5pt;' &gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Interest rate products (Interest rate swaps, Call money Swaps y FRA): Discounted cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Caps/Floors: Black, Hull-White y  SABR&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Bond options: Black&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt; Swaptions: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Other Interest rate options: Black, Hull-White y LGM&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Constant Maturity Swaps: SABR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Beta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit correlations between tenors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- interest rates volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Equity Options: Local Volatility, Momentum adjustment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit assets correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Long term implicit correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit dividends and long term repos&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Future and Equity Forward: Discounted future cash flows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Foreign exchange Options: Local Volatility, moments adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Volatility of volatility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Implicit assets correlations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Long term implicit correlations&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Credit Derivatives: Default model and Gaussian copula&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Correlation default&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Recovery rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;- Default volatility&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:89.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:89.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#666666;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Commodities: Momentum adjustment and Discounted cash flows&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Exchange rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market quoted future prices&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market interest rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Underlying assets prices: shares, funds, commodities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market observable volatilities  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Issuer credit spread levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Quoted dividends&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-  Market listed correlations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:113.25pt;text-align:center;vertical-align:middle;background-color:#DADADA;border-color:Black;min-width:113.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoffinancialinstrumentsatfairvaluebylevelsexplanatory>
  <bbva:Tableofsignficantunobservableinputsusedinfairvaluemeasurementofassetsexplanatory id="ID_8050" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial instrument&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Valuation technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Significant unobservable inputs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Min&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Max&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Units&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:3.75pt;' &gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='1' rowspan='3' style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt Securities&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Net Present  Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit Spread&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152.22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;385.00&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;b.p.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Recovery Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32.06%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Comparable pricing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#DDD9C4;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;275.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Net  Asset Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#DDD9C4;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='2' style='width:204pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#DDD9C4;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Comparable pricing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#DDD9C4;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:top;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit Option&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gaussian Copula&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Correlation Default&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37.98%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60.26%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td colspan='1' rowspan='3' style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Equity OTC Option&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Heston&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Forward Volatility Skew&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47.05&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47.05&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47.05&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Vegas&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Local Volatility&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Dividends&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:204pt;text-align:right;vertical-align:middle;background-color:#DDD9C4;border-color:Black;min-width:204pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Volatility&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.79&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65.02&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;vegas&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;FX OTC Options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Black Scholes/Local Vol&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Volatility&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.05&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7.73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;vegas&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td colspan='1' rowspan='3' style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Interest Rate Option&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Libor Market Model&lt;/font&gt;&lt;/td&gt;&lt;td style='width:93pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Beta&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;0.25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.00&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.00&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:93pt;text-align:left;vertical-align:middle;border-color:Black;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Correlation Rate/Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(100)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#DDD9C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:93pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:93pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit Default Volatility&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Vegas&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofsignficantunobservableinputsusedinfairvaluemeasurementofassetsexplanatory>
  <bbva:Disclosureofreconciliationofchangesinfairvaluemeasurementassetsexplanatory id="ID_8051" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets Level 3: Changes in the Period (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;463&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;182&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:181.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Changes in fair value recognized in profit and loss (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(167)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(95)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(24)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(86)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Changes in fair value not recognized in profit and loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(45)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(81)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Acquisitions, disposals and liquidations (**)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,710&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;438&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(25)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Net transfers to Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;761&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(39)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Exchange differences and others&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(55)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(250)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(47)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:181.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the end&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,527&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,787&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;835&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(*)  Profit or loss that is attributable to gains or losses relating to those financial assets and liabilities held as of December 31, 2018, 2017 and 2016. Valuation adjustments are recorded under the heading &amp;#8220;Gains (losses) on financial assets and liabili&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ties, net&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;(**) Of which, in 2018, the assets roll forward is comprised of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;2,400&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; million of acquisitions, &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;254&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; millions of disposals and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;44&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; millions of liquidations. The liabilities roll forward is comprised of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;2,716&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; million of acquisitions and &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;5&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; mill&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ions of liquidations.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofreconciliationofchangesinfairvaluemeasurementassetsexplanatory>
  <bbva:Disclosureoftransfersbetweenlevelsassetsexplanatory id="ID_8052" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='8' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Transfer Between Levels. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;From:&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;To:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' &gt;Level2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1,171&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;134&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;72&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;515&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1,305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;74&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;75&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;LIABILITIES-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;Financial liabilities held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:131.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:131.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoftransfersbetweenlevelsassetsexplanatory>
  <bbva:Disclosureofsensitivityanalysislevel3assetsexplanatory id="ID_8053" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial Assets Level 3: Sensitivity Analysis (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:35.25pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Potential Impact on Consolidated&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt; Income Statement &lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:100.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:100.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Potential Impact on&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt; Total Equity &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Most Favorable Hypothesis&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Least Favorable Hypothesis&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Most Favorable Hypothesis&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Least Favorable Hypothesis&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;291&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(181)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Loans and Advances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(161)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:282pt;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#004481;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;297&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(194)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#004481;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofsensitivityanalysislevel3assetsexplanatory>
  <bbva:Disclosureoffairvalueinstrumentscarriedatcostmainvaluationtechniquesassetsexplanatory id="ID_8054" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:483pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:483pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fair Value of financial Instruments at amortized cost by Levels (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:16.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:150.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:150.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21,419&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;204,619&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;193,819&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:282pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:282pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58,225&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;269,128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;182,948&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoffairvalueinstrumentscarriedatcostmainvaluationtechniquesassetsexplanatory>
  <bbva:Disclosureofmainvaluationtechniquesfinancialinstrumentsassetsexplanatory id="ID_8055" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:481.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:481.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Fair Value of financial Instruments at amortized cost by valuation technique. December 2018 (Millions of euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:120.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Valuation technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Main inputs used&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;ASSETS &lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;204,619&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;193,819&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:31.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:31.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,291&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:31.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;190,666&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;183,645&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:150pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,881&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Credit spread&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Financial liabilities at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;269,128&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;182,948&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Central Banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#000000;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:#000000;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#000000;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,281&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,852&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;240,547&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;135,270&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,104&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25,096&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:150pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,730&lt;/font&gt;&lt;/td&gt;&lt;td style='width:120.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:120.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Present-value method&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(Discounted future cash flows)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Issuer&amp;#180;s credit risk&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Prepayment rates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;- Interest rate yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofmainvaluationtechniquesfinancialinstrumentsassetsexplanatory>
  <bbva:Derivativesbytypeofriskbyproductorbytypeofmarket id="ID_8056" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives by type of risk / by product or by type of market -  December 2018 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notional amount - Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;19.147&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;18.769&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.929.371&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.940&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.413&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;207.107&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.206&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16.356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.702.909&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.092&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.263&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.799&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.956&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;114.184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;341&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32.906&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.693&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.492&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;72.062&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.524&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;8.355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;9.693&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;432.283&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.293&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9.329&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;405.659&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.286&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;232&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;393&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;25.452&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit default swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.791&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit spread option&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;500&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Total return swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.161&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;DERIVATIVES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;30.536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;31.815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;3.501.358&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;16.979&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;18.729&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;897.384&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;7.372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;7.758&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;2.355.784&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;4.005&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;2.780&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;148.917&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives by type of risk / by product or by type of market -  December 2017 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notional amount - Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;22.606&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;22.546&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.152.490&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.429&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;212.554&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20.177&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19.965&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.916.920&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;600&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.416&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;1.778&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.336&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;95.573&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;495&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34.140&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8.158&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.200&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48.644&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4.631&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;10.371&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;10.729&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;380.404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;245&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;258&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24.447&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.092&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.430&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;348.857&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;104&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.997&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;517&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;30.181&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit default swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;480&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;507&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.942&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit spread option&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;200&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Total return swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;36&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;561&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;DERIVATIVES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;35.265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;36.169&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.659.246&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;21.016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;22.804&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;898.209&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;8.695&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;9.207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.548.919&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.316&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2.986&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;128.722&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:21pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:482,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:482,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives by type of risk / by product or by type of market -  December 2016 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Notional amount - Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;25.770&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;25.322&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;1.556.150&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.331&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.428&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;217.958&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22.339&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21.792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.296.183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.311&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;40.698&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Equity&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.032&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;90.655&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;718&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.224&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44.837&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.312&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;937&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36.795&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.712&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Foreign exchange and gold&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;14.872&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;15.179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;425.506&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;539&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27.583&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;OTC other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;392.240&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market options&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;175&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Organized market other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.508&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Credit&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;338&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;19.399&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit default swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15.788&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit spread option&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;150&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Total return swap&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.895&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.565&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Commodities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;169&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;1.065&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13,5pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;DERIVATIVES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;42.955&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;43.118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#121212;' &gt;2.092.945&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;26.438&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;28.005&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;806.096&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;8.786&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;9.362&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1.023.174&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14,25pt;' &gt;&lt;td style='width:187,5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187,5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;of which: OTC - other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;6.404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4.694&lt;/font&gt;&lt;/td&gt;&lt;td style='width:98,25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:98,25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;175.473&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Derivativesbytypeofriskbyproductorbytypeofmarket>
  <bbva:Profitlossbeforetaxfromcontinuingoperations id="ID_8057" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_TotalMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">8446000000</bbva:Profitlossbeforetaxfromcontinuingoperations>
  <bbva:Profitlossbeforetaxfromdiscontinuingoperations id="ID_8058" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_TotalMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">0</bbva:Profitlossbeforetaxfromdiscontinuingoperations>
  <bbva:TaxationAtDomesticTaxRate id="ID_8059" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_TotalMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">2534000000</bbva:TaxationAtDomesticTaxRate>
  <bbva:Taxrateeffectofforeigntaxrate id="ID_8060" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_TotalMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">-234000000</bbva:Taxrateeffectofforeigntaxrate>
  <bbva:Taxrateeffectofforeigntaxrate id="ID_8061" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_country_MX_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">-78000000</bbva:Taxrateeffectofforeigntaxrate>
  <bbva:Taxrateeffectofforeigntaxrate id="ID_8062" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_country_CL_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">-18000000</bbva:Taxrateeffectofforeigntaxrate>
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  <bbva:Taxrateeffectofforeigntaxrate id="ID_8065" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_country_PE_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">-12000000</bbva:Taxrateeffectofforeigntaxrate>
  <bbva:Taxrateeffectofforeigntaxrate id="ID_8066" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_OtherMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">-4000000</bbva:Taxrateeffectofforeigntaxrate>
  <bbva:Taxrateeffectofforeigntaxratepercentage id="ID_8067" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_country_MX_bbva_TaxteffectofforeigntaxratesAxis_bbva_EffectivetaxpercentageMember" unitRef="pure" decimals="INF">0.28</bbva:Taxrateeffectofforeigntaxratepercentage>
  <bbva:Taxrateeffectofforeigntaxratepercentage id="ID_8068" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_country_CL_bbva_TaxteffectofforeigntaxratesAxis_bbva_EffectivetaxpercentageMember" unitRef="pure" decimals="INF">0.21</bbva:Taxrateeffectofforeigntaxratepercentage>
  <bbva:Taxrateeffectofforeigntaxratepercentage id="ID_8069" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_country_CO_bbva_TaxteffectofforeigntaxratesAxis_bbva_EffectivetaxpercentageMember" unitRef="pure" decimals="INF">0.33</bbva:Taxrateeffectofforeigntaxratepercentage>
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  <bbva:Taxeffectofrevenueswithlowertaxations id="ID_8072" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_TotalMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">-57000000</bbva:Taxeffectofrevenueswithlowertaxations>
  <bbva:Taxeffectofrevenuesaccountedthroughequity id="ID_8073" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_TotalMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">3000000</bbva:Taxeffectofrevenuesaccountedthroughequity>
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  <ifrs-full:IncomeTaxExpenseContinuingOperations id="ID_8075" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_TotalMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">2295000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
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  <bbva:Profitlossbeforetaxfromdiscontinuingoperations id="ID_8077" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_TotalMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">0</bbva:Profitlossbeforetaxfromdiscontinuingoperations>
  <bbva:TaxationAtDomesticTaxRate id="ID_8078" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_TotalMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">2079000000</bbva:TaxationAtDomesticTaxRate>
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  <bbva:Taxeffectofrevenuesaccountedthroughequity id="ID_8092" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_TotalMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">-2000000</bbva:Taxeffectofrevenuesaccountedthroughequity>
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  <bbva:Profitlossbeforetaxfromdiscontinuingoperations id="ID_8096" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_TaxeffectofforeigntaxratestableAxis_bbva_TotalMember_bbva_TaxteffectofforeigntaxratesAxis_ifrs-full_CarryingAmountMember" unitRef="EUR" decimals="-6">0</bbva:Profitlossbeforetaxfromdiscontinuingoperations>
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  <bbva:PortfolioDeferredTaxLiabilities id="ID_8207" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">-291000000</bbva:PortfolioDeferredTaxLiabilities>
  <bbva:OtherLiabilitiesDeferredTaxLiabilities id="ID_8208" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:OtherLiabilitiesDeferredTaxLiabilities>
  <bbva:ImpairmentLossesDeferredTaxLiabilities id="ID_8209" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:ImpairmentLossesDeferredTaxLiabilities>
  <bbva:OtherDeferredTaxLiabilities id="ID_8210" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">153000000</bbva:OtherDeferredTaxLiabilities>
  <bbva:SecuredTaxDeferredTaxLiabilities id="ID_8211" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:SecuredTaxDeferredTaxLiabilities>
  <bbva:TaxLossesDeferredTaxLiabilities id="ID_8212" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:TaxLossesDeferredTaxLiabilities>
  <bbva:ChangeForIncomeTaxAndOtherTaxesDeferredTaxLiabilities id="ID_8213" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:ChangeForIncomeTaxAndOtherTaxesDeferredTaxLiabilities>
  <bbva:PensionsDeferredTaxLiabilities id="ID_8214" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:PensionsDeferredTaxLiabilities>
  <bbva:PortfolioDeferredTaxLiabilities id="ID_8215" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">-367000000</bbva:PortfolioDeferredTaxLiabilities>
  <bbva:OtherLiabilitiesDeferredTaxLiabilities id="ID_8216" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:OtherLiabilitiesDeferredTaxLiabilities>
  <bbva:ImpairmentLossesDeferredTaxLiabilities id="ID_8217" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:ImpairmentLossesDeferredTaxLiabilities>
  <bbva:OtherDeferredTaxLiabilities id="ID_8218" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">-841000000</bbva:OtherDeferredTaxLiabilities>
  <bbva:SecuredTaxDeferredTaxLiabilities id="ID_8219" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:SecuredTaxDeferredTaxLiabilities>
  <bbva:TaxLossesDeferredTaxLiabilities id="ID_8220" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:TaxLossesDeferredTaxLiabilities>
  <bbva:ChangeForIncomeTaxAndOtherTaxesDeferredTaxLiabilities id="ID_8221" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:ChangeForIncomeTaxAndOtherTaxesDeferredTaxLiabilities>
  <bbva:PensionsDeferredTaxLiabilities id="ID_8222" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:PensionsDeferredTaxLiabilities>
  <bbva:PortfolioDeferredTaxLiabilities id="ID_8223" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">-113000000</bbva:PortfolioDeferredTaxLiabilities>
  <bbva:OtherLiabilitiesDeferredTaxLiabilities id="ID_8224" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:OtherLiabilitiesDeferredTaxLiabilities>
  <bbva:ImpairmentLossesDeferredTaxLiabilities id="ID_8225" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:ImpairmentLossesDeferredTaxLiabilities>
  <bbva:OtherDeferredTaxLiabilities id="ID_8226" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:OtherDeferredTaxLiabilities>
  <bbva:SecuredTaxDeferredTaxLiabilities id="ID_8227" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:SecuredTaxDeferredTaxLiabilities>
  <bbva:TaxLossesDeferredTaxLiabilities id="ID_8228" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">0</bbva:TaxLossesDeferredTaxLiabilities>
  <bbva:ChangeForIncomeTaxAndOtherTaxesDeferredTaxLiabilities id="ID_8229" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">87000000</bbva:ChangeForIncomeTaxAndOtherTaxesDeferredTaxLiabilities>
  <bbva:Defferedtaxassetsunsecured id="ID_8230" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_ES_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">2653000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8231" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_ES_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">2052000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8232" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_ES_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">2007000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8233" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_ES_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_CreditfortaxlossMember" unitRef="EUR" decimals="-6">1462000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8234" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_ES_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TemporarydifferencesMember" unitRef="EUR" decimals="-6">1191000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8235" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_MX_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">826000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8236" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_MX_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">615000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8237" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_MX_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">698000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Deferedtaxassetsunsecuredinpercentage id="ID_8238" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_MX_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TemporarydifferencesMember">99.97% of deferred tax assets as of December 31, 2018 relate to temporary differences</bbva:Deferedtaxassetsunsecuredinpercentage>
  <bbva:Deferedtaxassetsunsecuredinpercentage id="ID_8239" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_MX_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_CreditfortaxlossMember">The remainders are tax credits carry forwards</bbva:Deferedtaxassetsunsecuredinpercentage>
  <bbva:Defferedtaxassetsunsecured id="ID_8240" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_SA_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-3">383000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8241" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_SA_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">26000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8242" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_SA_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">362000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Deferedtaxassetsunsecuredinpercentage id="ID_8243" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_SA_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TemporarydifferencesMember">Practically all the deferred tax assets are related to temporary differences</bbva:Deferedtaxassetsunsecuredinpercentage>
  <bbva:Deferedtaxassetsunsecuredinpercentage id="ID_8244" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_SA_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_CreditfortaxlossMember">only 1.03% are related to tax credits</bbva:Deferedtaxassetsunsecuredinpercentage>
  <bbva:Defferedtaxassetsunsecured id="ID_8245" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_US_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">164000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8246" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_US_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">180000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8247" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_US_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">345000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Deferedtaxassetsunsecuredinpercentage id="ID_8248" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_US_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TemporarydifferencesMember">All the deferred tax assets relate to temporary differences</bbva:Deferedtaxassetsunsecuredinpercentage>
  <bbva:Defferedtaxassetsunsecured id="ID_8249" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_TK_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">250000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8250" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_TK_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">224000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Defferedtaxassetsunsecured id="ID_8251" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_TK_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TotalNetDeferredTaxAssetsMember" unitRef="EUR" decimals="-6">135000000</bbva:Defferedtaxassetsunsecured>
  <bbva:Deferedtaxassetsunsecuredinpercentage id="ID_8252" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_TK_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_CreditfortaxlossMember">all the deferred tax assets correspond to &#8364;15 million of tax credits related to tax losses carry forwards and deductions</bbva:Deferedtaxassetsunsecuredinpercentage>
  <bbva:Deferedtaxassetsunsecuredinpercentage id="ID_8253" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_DefferedtaxassetsdisclosurebycountryAxis_country_TK_bbva_DefferedtaxassetsdisclosurebytypeAxis_bbva_TemporarydifferencesMember">and &#8364;235 million relate to temporary differences</bbva:Deferedtaxassetsunsecuredinpercentage>
  <bbva:Deferedtaxassetsunsecuredinpercentage id="ID_8254" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">On the other hand, the Group has not recognized certain deductible temporary differences, negative tax bases and deductions for which, in general, there is no legal period for offsetting, amounting to approximately &#8364; 2,236 million, which are mainly originated by Catalunya Banc.</bbva:Deferedtaxassetsunsecuredinpercentage>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8255" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_ForeclosuresandrecoveriesmemberMember" unitRef="EUR" decimals="-6">2211000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8256" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_ForeclosuresandrecoveriesmemberMember" unitRef="EUR" decimals="-6">6207000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8257" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_ForeclosuresandrecoveriesmemberMember" unitRef="EUR" decimals="-6">4225000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8258" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_ForeclosureMember" unitRef="EUR" decimals="-6">2135000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8259" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_ForeclosureMember" unitRef="EUR" decimals="-6">6047000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8260" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_ForeclosureMember" unitRef="EUR" decimals="-6">4057000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8261" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">76000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8262" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">160000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8263" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">168000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8264" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_OtherassetsfrompropertyplantandequipmentoperatingleasesmemberMember" unitRef="EUR" decimals="-6">433000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8265" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_OtherassetsfrompropertyplantandequipmentoperatingleasesmemberMember" unitRef="EUR" decimals="-6">447000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8266" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_OtherassetsfrompropertyplantandequipmentoperatingleasesmemberMember" unitRef="EUR" decimals="-6">1181000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8267" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_ifrs-full_PropertyPlantAndEquipmentMember" unitRef="EUR" decimals="-6">276000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8268" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_ifrs-full_PropertyPlantAndEquipmentMember" unitRef="EUR" decimals="-6">447000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8269" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_ifrs-full_PropertyPlantAndEquipmentMember" unitRef="EUR" decimals="-6">378000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8270" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_OperatingleasesmemberMember" unitRef="EUR" decimals="-6">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8271" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_OperatingleasesmemberMember" unitRef="EUR" decimals="-6">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8272" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_OperatingleasesmemberMember" unitRef="EUR" decimals="-6">803000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8273" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_InvestmentPropertiesMember" unitRef="EUR" decimals="-6">158000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8274" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_InvestmentPropertiesMember" unitRef="EUR" decimals="-6">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8275" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_InvestmentPropertiesMember" unitRef="EUR" decimals="-6">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8276" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_BusinesssaleassetsMember" unitRef="EUR" decimals="-6">29000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8277" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_BusinesssaleassetsMember" unitRef="EUR" decimals="-6">18623000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8278" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_BusinesssaleassetsMember" unitRef="EUR" decimals="-6">40000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8279" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_AccruedamortizationmemberMember" unitRef="EUR" decimals="-6">-44000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8280" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_AccruedamortizationmemberMember" unitRef="EUR" decimals="-6">-77000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8281" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_AccruedamortizationmemberMember" unitRef="EUR" decimals="-6">-116000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8282" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_ImpairmentlossesMember" unitRef="EUR" decimals="-6">-628000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8283" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_ImpairmentlossesMember" unitRef="EUR" decimals="-6">-1348000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8284" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_ImpairmentlossesMember" unitRef="EUR" decimals="-6">-1727000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8285" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">2001000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8286" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">23853000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8287" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">3603000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <bbva:Averagesaletimeofassetsfromforeclosuresorrecoveries id="ID_8288" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">the average sale time of assets from foreclosures or recoveries was between 2 and 3 years.</bbva:Averagesaletimeofassetsfromforeclosuresorrecoveries>
  <bbva:Averagesaletimeofassetsfromforeclosuresorrecoveries id="ID_8289" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180">the average sale time of assets from foreclosures or recoveries was between 2 and 3 years.</bbva:Averagesaletimeofassetsfromforeclosuresorrecoveries>
  <bbva:Averagesaletimeofassetsfromforeclosuresorrecoveries id="ID_8290" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180">the average sale time of assets from foreclosures or recoveries was between 2 and 3 years.</bbva:Averagesaletimeofassetsfromforeclosuresorrecoveries>
  <bbva:Financedbygroupcompanies id="ID_8291" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="-6">82000000</bbva:Financedbygroupcompanies>
  <bbva:Financedbygroupcompanies id="ID_8292" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="-6">207000000</bbva:Financedbygroupcompanies>
  <bbva:Financedbygroupcompanies id="ID_8293" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="-6">219000000</bbva:Financedbygroupcompanies>
  <bbva:Profitarisingfromthesaleofgroupcompaniesfinancedassets id="ID_8294" contextRef="AS_OF_Dec31_2018_Entity_0000842180" unitRef="EUR" decimals="0">1</bbva:Profitarisingfromthesaleofgroupcompaniesfinancedassets>
  <bbva:Profitarisingfromthesaleofgroupcompaniesfinancedassets id="ID_8295" contextRef="AS_OF_Dec31_2017_Entity_0000842180" unitRef="EUR" decimals="0">1</bbva:Profitarisingfromthesaleofgroupcompaniesfinancedassets>
  <bbva:Profitarisingfromthesaleofgroupcompaniesfinancedassets id="ID_8296" contextRef="AS_OF_Dec31_2016_Entity_0000842180" unitRef="EUR" decimals="0">1</bbva:Profitarisingfromthesaleofgroupcompaniesfinancedassets>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8297" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesasheldforsaleAxis_bbva_ForeclosureMember_bbva_SectorAxis_bbva_ResidentialuseMember" unitRef="EUR" decimals="-6">1072000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8298" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesasheldforsaleAxis_bbva_ForeclosureMember_bbva_SectorAxis_bbva_ResidentialuseMember" unitRef="EUR" decimals="-6">1924000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8299" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesasheldforsaleAxis_bbva_ForeclosureMember_bbva_SectorAxis_bbva_ResidentialuseMember" unitRef="EUR" decimals="-6">2326000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8300" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesasheldforsaleAxis_bbva_ForeclosureMember_bbva_SectorAxis_bbva_TertiaryuseMember" unitRef="EUR" decimals="-6">182000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8301" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesasheldforsaleAxis_bbva_ForeclosureMember_bbva_SectorAxis_bbva_TertiaryuseMember" unitRef="EUR" decimals="-6">491000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8302" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesasheldforsaleAxis_bbva_ForeclosureMember_bbva_SectorAxis_bbva_TertiaryuseMember" unitRef="EUR" decimals="-6">574000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8303" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetsandliabilitiesasheldforsaleAxis_bbva_ForeclosureMember_bbva_SectorAxis_bbva_AgriculturaluseMember" unitRef="EUR" decimals="-6">19000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8304" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetsandliabilitiesasheldforsaleAxis_bbva_ForeclosureMember_bbva_SectorAxis_bbva_AgriculturaluseMember" unitRef="EUR" decimals="-6">29000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8305" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetsandliabilitiesasheldforsaleAxis_bbva_ForeclosureMember_bbva_SectorAxis_bbva_AgriculturaluseMember" unitRef="EUR" decimals="-6">41000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8306" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">2135000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8307" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">76000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8308" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">389000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8309" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">29000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8310" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">2629000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8311" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">482000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8312" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">22000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8313" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">124000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8314" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8315" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">628000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8316" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">1653000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8317" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">54000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8318" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">265000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8319" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">29000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8320" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">2001000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8321" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">6047000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8322" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">160000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8323" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">371000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8324" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">18623000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8325" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">25201000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8326" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">1102000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8327" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">52000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8328" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">194000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8329" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8330" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">1348000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8331" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">4945000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8332" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">108000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8333" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">177000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8334" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">18623000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8335" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">23853000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8336" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">4057000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8337" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">168000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8338" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">1065000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8339" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">40000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8340" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">5330000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8341" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">1237000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8342" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">47000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8343" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">443000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8344" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8345" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">1727000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8346" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">2820000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8347" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">121000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
  <bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale id="ID_8348" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_bbva_NetNonCurrentAssetsAsHeldForSaleMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">621000000</bbva:Totalnoncurrentassetsordisposalgrupsclassifiedasheldforsale>
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  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8351" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">3775000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8352" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">216000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8353" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">626000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8354" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">37000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8355" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">4654000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8356" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">994000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8357" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">52000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8358" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">240000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8359" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
  <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale id="ID_8360" contextRef="AS_OF_Dec31_2015_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">1285000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
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  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8366" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8367" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8368" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8369" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
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  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8377" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">-4000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8378" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">241000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8379" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
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  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8396" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">-22000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8397" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">-4000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8398" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">29000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8399" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8400" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">3000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8401" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">791000000</bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8402" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">45000000</bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8403" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">1000000</bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8404" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8405" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">837000000</bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8406" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8407" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8408" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8409" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8410" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8411" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">-1037000000</bbva:Retirementsnoncurrentassetsheldforsales>
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  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8413" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">-131000000</bbva:Retirementsnoncurrentassetsheldforsales>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8414" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Retirementsnoncurrentassetsheldforsales>
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  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8416" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">2236000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8417" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">-4000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8418" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">-564000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
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  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8426" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
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  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8428" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
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  <bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8443" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">23000000</bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale>
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  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8446" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8447" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8448" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8449" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8450" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8451" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">-779000000</bbva:Retirementsnoncurrentassetsheldforsales>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8452" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">-77000000</bbva:Retirementsnoncurrentassetsheldforsales>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8453" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">-170000000</bbva:Retirementsnoncurrentassetsheldforsales>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8454" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">3000000</bbva:Retirementsnoncurrentassetsheldforsales>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8455" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-1023000000</bbva:Retirementsnoncurrentassetsheldforsales>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8456" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">480000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8457" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">-28000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8458" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">586000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8459" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8460" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_CarryingAmountMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">1037000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8461" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">129000000</bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8462" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">3000000</bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8463" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">5000000</bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8464" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8465" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">136000000</bbva:Additionsotherthanthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8466" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8467" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8468" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8469" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale id="ID_8470" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">0</bbva:Acquisitionsthroughbusinesscombinationsnoncurrentassetsheldforsale>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8471" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">-153000000</bbva:Retirementsnoncurrentassetsheldforsales>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8472" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">-6000000</bbva:Retirementsnoncurrentassetsheldforsales>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8473" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">-33000000</bbva:Retirementsnoncurrentassetsheldforsales>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8474" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Retirementsnoncurrentassetsheldforsales>
  <bbva:Retirementsnoncurrentassetsheldforsales id="ID_8475" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">-192000000</bbva:Retirementsnoncurrentassetsheldforsales>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8476" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForeclosuresMember" unitRef="EUR" decimals="-6">268000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8477" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_RecoveriesfromfinancialleasesMember" unitRef="EUR" decimals="-6">-2000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8478" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_ForOwnUseMember" unitRef="EUR" decimals="-6">232000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8479" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_ifrs-full_OtherAssetsMember" unitRef="EUR" decimals="-6">0</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale id="ID_8480" contextRef="FROM_Jan01_2016_TO_Dec31_2016_Entity_0000842180_bbva_CarryingamountaccumulateddepreciationamortisationandimpairmentandgrosscarryingaxisAxis_ifrs-full_AccumulatedImpairmentMember_bbva_ChangesintheyearnoncurrentassetsanddisposalgroupsclassifiedasheldforsaleAxis_bbva_TotalMember" unitRef="EUR" decimals="-6">499000000</bbva:Increasedecreasethroughtransfersnoncurrentassetsheldforsale>
  <bbva:Percentageofrisklinkedtointerestratesattheyearendclosign id="ID_8481" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">55%</bbva:Percentageofrisklinkedtointerestratesattheyearendclosign>
  <bbva:Percentageofrisklinkedtointerestratesattheyearendclosign id="ID_8482" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180">48%</bbva:Percentageofrisklinkedtointerestratesattheyearendclosign>
  <bbva:Percentageofexchangerateriskattheyearendclosing id="ID_8483" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">The relative weight has increased compared with the close of 2017 (48%). Exchange-rate risk maintains its proportion with respect to 2017 (14%)</bbva:Percentageofexchangerateriskattheyearendclosing>
  <bbva:Percentageofexchangerateriskattheyearendclosing id="ID_8484" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180">14%</bbva:Percentageofexchangerateriskattheyearendclosing>
  <bbva:Percentageofequityvolatilityandcorrelationriskattheyearendclosing id="ID_8485" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180">31%</bbva:Percentageofequityvolatilityandcorrelationriskattheyearendclosing>
  <bbva:Percentageofequityvolatilityandcorrelationriskattheyearendclosing id="ID_8486" contextRef="FROM_Jan01_2017_TO_Dec31_2017_Entity_0000842180">38%</bbva:Percentageofequityvolatilityandcorrelationriskattheyearendclosing>
  <ifrs-full:Assets id="ID_8487" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_bbva_CashcashbalancesatcentralbanksandotherdemanddepositMember" unitRef="EUR" decimals="-6">58196000000</ifrs-full:Assets>
  <ifrs-full:FinancialAssetsAtFairValue id="ID_8488" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_bbva_CashcashbalancesatcentralbanksandotherdemanddepositMember" unitRef="EUR" decimals="-6">58196000000</ifrs-full:FinancialAssetsAtFairValue>
  <ifrs-full:Assets id="ID_8489" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_bbva_FinancialassetsheldfortradingMember" unitRef="EUR" decimals="-6">90117000000</ifrs-full:Assets>
  <ifrs-full:FinancialAssetsAtFairValue id="ID_8490" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_bbva_FinancialassetsheldfortradingMember" unitRef="EUR" decimals="-6">90117000000</ifrs-full:FinancialAssetsAtFairValue>
  <ifrs-full:Assets id="ID_8491" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember" unitRef="EUR" decimals="-6">5135000000</ifrs-full:Assets>
  <ifrs-full:FinancialAssetsAtFairValue id="ID_8492" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember" unitRef="EUR" decimals="-6">5135000000</ifrs-full:FinancialAssetsAtFairValue>
  <ifrs-full:Assets id="ID_8493" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember" unitRef="EUR" decimals="-6">1313000000</ifrs-full:Assets>
  <ifrs-full:FinancialAssetsAtFairValue id="ID_8494" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember" unitRef="EUR" decimals="-6">1313000000</ifrs-full:FinancialAssetsAtFairValue>
  <ifrs-full:Assets id="ID_8495" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember" unitRef="EUR" decimals="-6">56337000000</ifrs-full:Assets>
  <ifrs-full:FinancialAssetsAtFairValue id="ID_8496" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember" unitRef="EUR" decimals="-6">56337000000</ifrs-full:FinancialAssetsAtFairValue>
  <ifrs-full:Assets id="ID_8497" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember" unitRef="EUR" decimals="-6">419660000000</ifrs-full:Assets>
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  <ifrs-full:Assets id="ID_8499" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_AssetssaxisAxis_bbva_DerivativeshedgeaccountingMember" unitRef="EUR" decimals="-6">2892000000</ifrs-full:Assets>
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  <ifrs-full:Assets id="ID_8501" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetssaxisAxis_bbva_CashcashbalancesatcentralbanksandotherdemanddepositMember" unitRef="EUR" decimals="-6">42680000000</ifrs-full:Assets>
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  <ifrs-full:Assets id="ID_8503" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetssaxisAxis_bbva_CashcashbalancesatcentralbanksandotherdemanddepositMember" unitRef="EUR" decimals="-6">40039000000</ifrs-full:Assets>
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  <ifrs-full:Assets id="ID_8505" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetssaxisAxis_bbva_FinancialassetsheldfortradingMember" unitRef="EUR" decimals="-6">64695000000</ifrs-full:Assets>
  <ifrs-full:FinancialAssetsAtFairValue id="ID_8506" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetssaxisAxis_bbva_FinancialassetsheldfortradingMember" unitRef="EUR" decimals="-6">64695000000</ifrs-full:FinancialAssetsAtFairValue>
  <ifrs-full:Assets id="ID_8507" contextRef="AS_OF_Dec31_2016_Entity_0000842180_bbva_AssetssaxisAxis_bbva_FinancialassetsheldfortradingMember" unitRef="EUR" decimals="-6">74950000000</ifrs-full:Assets>
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  <ifrs-full:Assets id="ID_8509" contextRef="AS_OF_Dec31_2017_Entity_0000842180_bbva_AssetssaxisAxis_bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember" unitRef="EUR" decimals="-6">2709000000</ifrs-full:Assets>
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  <ifrs-full:Assets id="ID_8755" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsheldfortradingMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_EquityinstrumentsMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level3OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">60000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8756" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsheldfortradingMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_ifrs-full_DerivativesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level2OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">26846000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8757" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsheldfortradingMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_ifrs-full_DerivativesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level3OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">85000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8758" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level2OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">78000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8759" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level3OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">1929000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8760" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_LoansandadvancesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level2OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">0</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8761" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_LoansandadvancesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level3OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">1778000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8762" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_ifrs-full_DebtSecuritiesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level2OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">71000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8763" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_ifrs-full_DebtSecuritiesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level3OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">76000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8764" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_EquityinstrumentsMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level2OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">8000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8765" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_EquityinstrumentsMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level3OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">75000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8766" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level2OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">9323000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8767" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level3OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">1190000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8768" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_ifrs-full_DebtSecuritiesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level2OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">9211000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8769" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_ifrs-full_DebtSecuritiesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level3OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">711000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8770" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_EquityinstrumentsMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level2OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">113000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8771" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_EquityinstrumentsMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level3OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">479000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8772" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_DerivativeshedgeaccountingMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level2OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">2882000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_8773" contextRef="AS_OF_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_DerivativeshedgeaccountingMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_ifrs-full_Level3OfFairValueHierarchyMember" unitRef="EUR" decimals="-6">3000000</ifrs-full:Assets>
  <ifrs-full:DescriptionOfValuationTechniquesUsedInFairValueMeasurementAssets id="ID_8774" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsheldfortradingMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_LoansandadvancesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_bbva_TotalMember">Present-value method
(Discounted future cash flows)</ifrs-full:DescriptionOfValuationTechniquesUsedInFairValueMeasurementAssets>
  <bbva:Mainobservableinputs id="ID_8775" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsheldfortradingMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_LoansandadvancesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_bbva_TotalMember">- Issuer&#180;s credit risk
- Current market interest rates</bbva:Mainobservableinputs>
  <bbva:Mainunobservableinputs id="ID_8776" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsheldfortradingMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_LoansandadvancesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_bbva_TotalMember">- Prepayment rates
- Issuer&#180;s credit risk
- Recovery rates</bbva:Mainunobservableinputs>
  <ifrs-full:DescriptionOfValuationTechniquesUsedInFairValueMeasurementAssets id="ID_8777" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsheldfortradingMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_ifrs-full_DebtSecuritiesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_bbva_TotalMember">Present-value method
(Discounted future cash flows)
Observed prices in non active markets</ifrs-full:DescriptionOfValuationTechniquesUsedInFairValueMeasurementAssets>
  <bbva:Mainobservableinputs id="ID_8778" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsheldfortradingMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_ifrs-full_DebtSecuritiesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_bbva_TotalMember">- Issuer&#180;s credit risk
- Current market interest rates
- Non active markets prices</bbva:Mainobservableinputs>
  <bbva:Mainunobservableinputs id="ID_8779" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsheldfortradingMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_ifrs-full_DebtSecuritiesMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_bbva_TotalMember">- Prepayment rates
- Issuer&#180;s credit risk
- Recovery rates</bbva:Mainunobservableinputs>
  <ifrs-full:DescriptionOfValuationTechniquesUsedInFairValueMeasurementAssets id="ID_8780" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsheldfortradingMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_EquityinstrumentsMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_bbva_TotalMember">Comparable pricing (Observable price in a similar market)
Present-value method</ifrs-full:DescriptionOfValuationTechniquesUsedInFairValueMeasurementAssets>
  <bbva:Mainobservableinputs id="ID_8781" contextRef="FROM_Jan01_2018_TO_Dec31_2018_Entity_0000842180_bbva_ClassesofassetsobservableinputsaxisAxis_bbva_FinancialassetsheldfortradingMember_bbva_FinancialinstrumentsunobservableinputsaxisAxis_bbva_EquityinstrumentsMember_bbva_LevelsoffairvaluehierarchyobservableinputsaxisAxis_bbva_TotalMember">- Brokers quotes
- Market opera